INDEX

Introduction

Reverse Polish Notation (RPN)

Standard functions

Cash Flows

Date format

Advanced financial functions

Vectorial and complex numbers calculations

How to reduce the size of calculator

Registers

Notes window

Memory functions

Errors

Keyboard Usage

Keys

Examples of normal calculations

Examples of advanced finance calculations

Shareware

Registration

Uninstall

Disclaimer of Warranty


Introduction

"inTer" (16 bit) is a calculator with higher finance functions. It uses the  Reverse Polish Notation (RPN).

It has ten data storage registers, in addiction to the 4 automatic registers where most calculations take place and the 1.838 registers used for the advanced finance calculations.

It give you the ability to quickly and easily handle simple arithmetic operations such as adding, subtracting, multiplying and dividing, as well as the ability to calculate, quickly and easy, the compound interest rate, or the amount of loan or investment, or the amount at the end of term, with unequal periodic payments (or deposit amounts) and different periods up to a maximum of 600 cash flows.

It's possible to print, with any headline, the complete cash-flow with the interest rate.

"inTer" give you the possibility to save (with the name you choose) and resume all the values you are working with. You can always recall the data you have previously saved and so you'll recreate exactly the situation at the moment you had saved your data.

You can, while working, see the contents of the 4 working registers, the lastx register, the ten storage registers and the 5 finance registers.

You can also use a notes where you can write and that can also be saved as a text file.

Fast all calculator functions are accessible from the keyboard.

vectorial and complex numbers calculator: let you simply handle arithmetic operations with vectors a nd complex numbers.

inTer is a function of einSTein, the most complete and easy to use scientific, trigonometric, calendar and financial calculator.

Other programs:

einSTein: the most complete and easy to use scientific, trigonometric, calendar and financial calculator. Leasing, loans, amortization schedules computing. It has also a measure converter! Possibility to save and/or print the data. Registration fee: 35 US$ (60.000 lire or 60 DM).

aSSo!: all the financial and mathematic functionality of einSTein, without the trigonometric functions and without the measure converter. With calendar computing. Registration fee: 30 US$ (50.000 lire or 50 DM).

bravo!: all the functionality of einSTein, without the financial ones. With measure converter. Registration fee: 22 US$ (25.000 lire 0r 25 DM)

meaSure: the measure converter of einSTein! 120 measures grouped in 12 categories! Registration fee: 6 US$ (10.000 lire or 10 DM).


Reverse Polish Notation
REVERSE POLISH NOTATION (RPN)

The technique, called Reverse Polish Notation, or RPN, requires that when you perform an operation on two numbers, you must input the two numbers first, then specify the operator or function.

For instance to add 5 and 3, you normally enter the numbers and operators in the following order:

YOUR INPUT	DISPLAY SHOWS

5	5

+	5

3	3

=	8

Using Reverse Polish Notation, however, you enter the operator last:

YOUR INPUT	DISPLAY SHOWS

5	5

Ent	5

3	3

+	8

The last number, 8, is now ready to start a new calculations. For instance to calculate (5+3)/2-1, use the following sequence:

YOUR INPUT	DISPLAY SHOWS

5	5

Ent	5

3	3

+	8

2	2

/	4

1	1

-	3

For one number operation such as sin, cos, etc. you need only input the number and press the desired function button.

One common difficulty is in entering a negative value. Remember, the -(minus) button is an operator, and will seem to have unexpected results when used as you would on a standard calculator (e.g., -5 to input negative 5). With RPN, you must enter the number as a positive value, then use the CaS button to make it a negative value.

During the calculations the numbers are stored in four automatic memory registers, called X, Y, Z, T.

The memory stack, compoused of eight memories "stacked" on top of each other, allows the automatic storage of seven intermediate results. Thus your calculator simplifies even the most complicated problems.

A full understanding of the automatic memory ist not necessary to perform simple arithmetic und financial calculations, but i strongly encouraged you  to optimize your use of the calculator by reading the section 'Registers'.


Standard functionality
STANDARD FUNCTIONS

THE OPERATIONS BELOW DESCRIBED ARE THE SAME FOR ALL THE CALCULATOR'S CONFIGURATION. FOR THE OTHER CONFIGURATIONS IT WILL GIVEN AN EXPLANATION ONLY FOT THOSE KEYS THAT WILL CHANGE.

The Standard Functions is the calculator's configuration that appear initially by default.

NUMBERS

To enter a number you must press the numerical keys.

NEGATIVE VALUES

Enter the number as a positive value, then press the CaS button to make it a negative value.

ENTER

Pushes the displayed value onto the stack for use in a subsequent operation. Enters the displayed value into the Y-register for use in any two-value operation. (see RPN)

EXPONENTIAL NOTATION

Press the key "SCI". To return to the decimal notation, press the key "NOR" (replaced SCI).

To input a number in exponential notation, enter the base number, press esp" and input the base-10 exponent. To input a negative base value, press CaS before pressing esp. To input a negative exponent (for small values), press CaS after pressing esp but before terminating the input.

HOW TO MODIFY A NUMBER

During input you can erase the rightmost digit of the display by pressing "←".

HOW TO CLEAR A NUMBER

You can erase the displayed number (and the X-register) by pressing "Can"

k DATE FORMAT

The date format in use appears on the top left of display: "E" for the European format (dd/mm/yyyy) and "U" for the american format (mm/dd/yyyy). You can change the date formmat clicking the menu at the voice "Date format". The change has effect on the registers of the higher financial functionnality, but not on the memory registers and on the stack registers (not used in the higher financial functionality).

HOW TO STORE A NUMBER

You can store the number on the display  pressing "Mem" followed by the number, between 0 and 9, of a storage register. You can perform the four aritmetic operations on the register (see storage registers).

HOW TO RECALL A STORED NUMBER

You can rtecall a stored value pressing "Rcl" followed by the number, between 0 and 9, of the storage register where the value itself was stored.

HOW TO SEE THE STORAGE REGISTERS

You can open, pressing "mem" ( at the right of the numeric pad) a window with the values of the ten storage registers and of the five finance registers. With the same key you can closed that window.

DECIMAL DISPLAY

The key"dec" followed by the number of decimal places that you will see (between 0 and 9), set the number of decimal places shown in the display. 2 is the default display.

NOTEPAD

You can open a notepad by pressing "Note". The notepad has a menu that permit the copy- and past-operations, and to save (or recall) your notes. With the same key( 'Note') you close it.

STACK REGISTERS

You can see the four registers used by the calculator for the Reverse Polish Notation (RPN) by pressing "reg".

With the same key you close the register's window. That window is very usefull for people who have'nt confidence with the Reverse Polish Notation.

HOW TO SAVE YOUR WORK

Pressing "save" you save all the registers of the calculator (under any name), so you can later use the calculator in the same conditions as it was at the moment of storage.

HOW TO RECALL YOUR WORK

Pressing "load" you can load all the storaged informations. The calculetor is now exactly in the same conditions it was at the moment of storage.

HOW TO REDUCE THE DIMENSIONS OF THE CALCULATOR

You can reduce the dimension of the calculator  pressing the little key upon the display. If you now checked the little option-box, you can still work with the keyboard. Unchecking the option box and pressing once more the little key lets the calculator get back to its normal size.

On the left side are the function's keys that, in the other configurations (calendar, trigonometric, higher finance) can be different.

In the lower row are the keys::

"OFF" : to close the calculator window and exit from this program.

"LAST": restored the previously entered value to the display. Use this to restart after an error or to reuse a value for several calculations. Wen you make a calculation that changes the value in X-register, the number in x-register is stored in LastX-register (you can see it in the register's window).

"Down": roll the register stack down, moving X (the display) to V, V to U, U to S, S to R, R to T, T to Z, Z to Y and Y to X. (see RPN). You may rewiev the contents of the stack by pressing 'Down' 8 times (or simpli opening the register's window).

"X-Y": swap X and Y registers. Exchange the contents of the X and Y registers. Use this to store an intermediate answer in Y register, and to return it to the display (the X register) when it's needed.

"Can": clear the X-register (display).

"int": Converts a numeric expression to an integer by removing the fractional part of the expression. The original number is sored in lastx and you can recall it by pressing 'ULT'.

"fra": Removes the integer part of a numeric expression leaving the fractional part. The original number is sored in lastx and you can recall it by pressing 'ULT'.

'copy': copy a number or a date from X-register (display) to the clipboard.

'paste' a number or a date from the clipboard to the X-register (display). Attention: the number must not be formatted (no thousand separators, yes decimal point !)

In the row above are the keys:

"forward": you can see the next movement with this key. You can also go forwards up to a movement you will change.  and enter the new values.

"backward": calculates natural exponential, where e is approximatly 2,71828 and x is the variable exponent.

"C/T": clears all the 600 financial registers of the higher financial configuration. You must use that key before you begin a new calculation.

"%T": computes the percentage thet the displayed number is of the number in Y-register. Example: a company has sell for 560 millions in America and for 72 millions in Europe. Compute the percentage that the European sales make on the entire sales (America + Europe):

560

ENT 	(enter the first number and separe it from second number)

72

+	(total sales)

72	(european sales)

%T	(compute the percentage on the entire sales)

"D%": computes the percentage difference between the previously entered value (Y-register) and the value in the display (X-register). Example: compute percentage change between 34.500 and 38.900

34500

ENT 	(enter the first number and separe it from second number)

38900

D%	(computes the percentage difference)

"%": computes X percent of the value in the Y register. Example: compute 12% of 450

450

ENT	(enter the first number and separe it from second number)

12

%	(computes the percent).

"1/x": computes the reciprocal (inverse) of any rational displayed number.

Pressing "C/V" you open the complex numbers window.


Flussi di cassa
Cash flows

Before solving a financial problem, it's better to draw a cash flow.Hier are some examples.

Compunded interestrate, Savings book; revaluation, etc.

Investment fund, Pension fund, etc. (payments at the 	beginning of periods)

Mortages, loans (payments at the end of periods).

Mortages with a final payment (payments at the end of 	periods).

Leasing with first bigger fee and final ransom.

(payments at the beginning of periods)

Leasing with advance payments and final ransom.

(payments at the beginning of periods)

The cash flows are different and the periods are not the same (that's what normally happened!). In that case you must use the higher financial functionality. If you draw a graph of your cash flows, you can easier introduce your values and avoid errors.


SIGN CONVENTION

Cash received is representing by a positive value (+); cash paid out is represented by a negative value (-). (You can also use all the opposite convention, but it's very important that you use the sign convention that you've choosed throughout all  the calculation!).

The five financial keys, beseides the storage property, have also the calculating function. What happened when a financial key is pressed, dipend from the last operation: if the last operation was the enter of a number, when you press a financial key you stre this number in the financial register; otherweise when you press the financial key, you calculate that value.


Date Format

Starting the date  format is european: mm/gg/aaaa. You can change it to the USA format (mm/dd/yyyy) with the menu command 'Date format'.

Once choosed, the date format remain the same auch when you turn the calculator off.

(It's always possible to use the decimal format: dd,mmyyyy).

It accepts: 02/05/1994 - 02/5/1994 - 2/05/1994 - 2/5/1994 - 2.051994.

The date format in use appears on the top left of display: "E" for the European format (dd/mm/yyyy) and "U" for the american format (mm/dd/yyyy).

The change has effect on the registers of the higher financial functionnality, but not on the memory registers and on the stack registers (not used in the higher financial functionality).


Higher financial configuration
HIGHER FINANCIAL FUNCTION

The calculator accepts up to 600 movements, anyone characterized from a value (obtained/paid amount) and  a date (or number of days after the earlier movement).

The calculator acceppts either dates or number of days. You can't use for some movements the date and for the others the numbers of days!

Dates must be entered in the format you have choosed (menu): dd/mm/yyyy or yy/dd/yyyy: key in the number of the day (two digit), press ":", key in the month as two digit, press ":", key in the full year (and press 'Date/days"). The calculetor itself uses the format dd,mmyyyy: dates can so be entered also in this format (For instance the date 31/12/1996 can be entered also as 31,121996); in this case set the number with 6 decimal places (press 'dec' followed by 6). You can store tha dates into any of the ten storage registers. If you recall them, they'll be in the format you have specified with the menu's command.

Pay great attention to the sign of values (payment, loan or investment amount): cash received is represented by a positive value; cash paid out is represented by a negative value.

You can enter the values in any order (erst the date and later the amount, or erst the amount and later the date) and also you have'nt to respect the chronological order.

ATTENTION: the dates (or the days) are entered with the key "Date/days"; the payment, loan or investment values are entered with the key "Pay out/in". The key "ENT" preserve its normal functionality and has no effect on entering financial values into financial registers. The interest rate, when known, is entered by pressing "i".

By default the calculator (key 'run') calculates the interest rate, except the first or the final movement are zero. In that case the calculator calculates this movement.

The examples help you to easily understand that mechanics, that can seem difficult only when you don't try to test practically it. The examples techs you auch how to recover from any mistakes.

"Date/days": enter the date (or the number of days) into the financial registers; the date appear now into the box in the middle under the main display. If that is the first value of a movement, the order number appears into the little box on the right, otherwise (being that the last value of the movement) the calculator is rady to accept the entries or a new movement. You have nothing to do: you must only enter the next values. At the right site of the main display appears (in italic) the number 1 if you has entered the first value (1 means that the calculator wait for one more value) or appears the number 0 if you has entered the second and last value of the movement.

"Pay out/in": enter the payment, loan or investment values; that value appear now into the box on the left under the main display. If that is the first value of a movement, the order number appears into the little box on the right, otherwise (being that the last value of the movement) the calculator is ready to accept the entries or a new movement. You have nothing to do: you must only enter the next values. At the right site of the main display appears (in italic) the number 1 if you has entered the first value (1 means that the calculator wait for one more value) or appears the number 0 if you has entered the second and last value of the movement.

":": when you enter a date, you must separate the day from the month and the month from the year pressing this key.

"Forward": you can see the next movement with this key. You can also go forwards up to a movement you will change.  and enter the new values.

"Backward": you can see the previous movement. You can also go back up to a movement you will change and enter the new values.

You can go ten movements forwards with Pag_up e ten movement back with Pag_down from keyboard. You can also see the first or the last movement pressing  Home or End from keyboard.

"C/T": clears all the 600 financial registers of the higher financial configuration. You must use that key before you begin a new calculation.

"i": You must use this key when you will enter the interest rate. (The interest rate is always yearly). You must enter the interest in % and then press i. You can see the stored interest rate pressing "Ric" + "i". The interest rate must be always yarlu; it will from calculator automatically transformed in a daily interest rate (365 days basis).

"run": begin the calculation. The unknown value is calculated. Only thre values can miss:

the interest rate, the first value or the last value. the outcome is stored and appears into the main box. when noone of the trhee value is null, it's calculated the interest rate.

"P": print all the movements and, if calculated, the interest rate. When you press 'P', appears a window where you can input a print headline.

In that functionality, where you are dealing with many values, becomes expecially important the possibility to save your work. when you press "Save"it appears a window asking the name of the file to save. You must only the name ohne prefix (.mcd) geben und then press "Save". (N.B.: if the name already exist, the old file is exchanged with the new one).

"Load": you can load the values you had stored with this key. Also in this case it appears a window asking the name of the file to load.


complex numbers
COMPLEX NUMBERS WINDOW

Pressing "C/V" open this window.

Here you can perform complexe calculations.

The input formats are: x + yi     or      r/ß

You can toggle between the two formats with the options keys on the left (also during a calculation).

The calculator has 8 stac registers that are displayed on the top of window.

It has four memory (A, B, C, and D).

The example let you see how it work.

The window stay open also if you close the calculator.


REGISTERS

With the key "reg" You can open (and close) a window that show (in action) the 4 stack registers (X, Y, Z and T) and the LastX (LastX) register.

During the calculation, in fact, the calculator uses the stack registers in this way:

T	stores the intermediate results

Z	stores the intermediate results

Y	the number in this register it's used with that one in the X-register for calculation

X	stores the number that appear into the main display

When you key a number into the calculator, its contents are written into the displayed X-register. In order to key in another number, you must indicate the calculator that you have completed keying in the first number and that any new digits you key in are part of a new number.

You use the 'ENT' key to separate the first number from the second.

When you press the 'ENT' key, the number in the displayed X-register is copied into Y, Y into Z, Z into T.

Immediatly after pressing 'ENT', the X-register is prepared for a new number, and that new number writes over the number in X. Now the calculator is ready to perform an arithmetic operation with the two numbers in the stacks. Every arithmetic operation involving two numbers is done with the contents of the X- and Y-registers.

The 'Can' key replaces any number in the display (X-register) with zero. If a new number is keyed in, it writes over the zero in X.

The 'x-y' and 'Down' keys allow you to rewiew the stack contents or to shift data within the stack for computation at any time.

The 'x-y' key excange the contents of the X- and Y- registers, without affecting the Z- and T-registers.

Each time you press the 'Down' key, the stack contents shift downward one register. The last number you have keyed in (X-register) will be rotated around to the T-register.

Let us see now how the registers worken with a simple operation: 5+2.

T	0	0	0	0

Z	0	0	0	0

Y	0	5	5	0

X	5	5	2	3

keys	5	ENT	2	-

Let us see now a multiple-value calculations:    (3 x 4) + (5 x 6)

7 x 2

T	0	0	0	0	0	0	0	0	0	0	0

Z	0	0	0	0	0	12	12	0	0	0	0

Y	0	3	3	0	12	5	5	12	0	42	0

X	3	3	4	12	5	5	6	30	42	7	6

keys	3	Enter	4   	x	5	Enter	6	x	/	7	/

You can see how the intermediate results are not only displayed, but also stored so that they are ready at the right momentand at the right place.

You can change the number stored in the stack with two keys:

X-Y	exchange the contents of the X and Y registers.

Down	rolls the register stack down, moving X (the display) to T, T to Z, Z to Y and Y to X (the display). You may review the contents of the stack by pressing 'Down' 4 times (or by pressing 'reg').

The one-number operations such as 1/x, square root, logarithm, natural exponent, etc. use only the number in the X register (the displayed number). The other stack registers dont change: change nur the X register. The earlier value in the X register wird in the UltX (LastX) register stored and you can recall it by pressing "LAST". In the higher financial function es ist used normally only the X register (save you press "ENT" or you perform a mathematic operatin). In the calendar functionality you use normally only the Y- and X regisrter.

The two-number operations such as adding, dividing, multiplying, etc., use the X- and Y register. Every time you perform a two-number operation, the results is displayed and stored in the X register, the earlier value un the X register is stored in the UltX (LastX) register (You can always recall it by pressing 'LAST') and the stack roll down: Z move to Y, T move to Z,  and T remain.

This mechanism required that when you perform an operation on two numbers, you must input the two numbers first, separating the first them by pressing 'ENT', then specify the operator or function.

All that seem difficult. Initially you should try simple operations looking at the opened registers fenster.

Order of execution: you could work a problem by beginning at the left side of the equation and simply working through it in left-to-right order. All problems cannot be solved using left-to-right order, however, and the best order for solving any problem is to begin with the innermost parentheses and work outward just as you would on paper.

You can also learn very much with the examples.


NOTEPAD

You can open a notepad pressing "note". With the same key you'll close it.

You can save your writing with the menu command (in the notepad window) 'salva', bat not pressing the calculatore key 'save'.


STORAGE REGISTERS

"inTer" hat ten storage registers, numbered 0...9, in addition to the automatic memory registers where most calculations take place. These storage registers allow you to store and retrieve data or results.

To store data to a register, use the 'Mem' funcion (left side) and assign a unique address from 0-9.

To retrieve data from a register, use the 'Rcl' function, again supplying the assigned address: the register value is diplayed and stored in the X register, X move to Y, Y to Z, Z to T. You don't need to press 'ENT', but you can immediatly perform an operation oder enter a new number.

You can see the values stored in the storage registers pressing  'mem ' (on the right side). With the same key you can close the memory window.

Arithmetic operations in the storage registers.

Press 'Mem' followed by +, or -, or /, or *, to add, subtract, divide or multiply the displayed number to the numbers currently stored in a given data register and replace the previous contents of the register with the new resul. For instance if the number 4 is in the register 3 and 5 is actually displayed, pressing the keys 'Mem' '+' '3', the number in the register 3 chang itself in 9 (=5 + 4).


ERRORS

Normally "inTer" if an error happened, as a division for zero, display an error message. To clear it press 'can'.

An unexpected error switch the program off.


KEYBOARD

ALL FUNCTIIONALITYS

KEYBOARD(English)	(Deutsch)	KEY (English)	(Deutsch)

Numbers	Numbers

.	,

4 math. operators	4 math operators

M	Mem

R	Rcl

Del (Canc)	Can

S	CaS

INVIO, ENTER	ENT

BACKSPACE	←

l	LAST

w	Down

x	x-y

Alt+r	Reg

Alt+m	mem

Alt+n	note

F1	Help

F2	Save

F3	Load

Esc	OFF

%	%

T	%T

Alt+/	1/x

HIGHER FINANCIAL FUNCTIONALITY

d	Date/days	Datum/Tages

p	e	Pay out/in	Ein/Auszahl

Alt+f	Forward	Forwärts

Alt+b	Alt+k	Backward	Rückwärts

i	i

Alt+t	C/T

Pg-Dn	not existing 	go ten places back

Pg_Up	not existing	go ten places ahead

Home	not existing	go to first

End	not existing	go to last

Alt+u	run

Alt+P 	Alt+D	P (or D or S = print)


KEYS

CaS	S

Can	Del

C/V

DEC	Alt+d

ENT	ENTER

Esp

Down	w

fra

incolla

int

Load	F3

Mem	m

mem	Alt+m

NOR

note	Alt+o

OFF	Esc

Rcl	r

reg	Alt+r

Save	F2

SCI

LAST	l

%T	T

D%	D

%	%

1/x	Alt+/

x-y	x

←	←

HIGHER FINANCIAL FUNCTIONALITY

Forward	Alt+f

C/T	alt+t

Date/days	d

i	i

Backward	Alt+b	(Deutsch = Alt+k)

P	Alt+p	(Deutsch = alt+D)

run	Alt+u

Pay out/in	p	(Deutsch = e)

:	:


EXAMPLES

You should open, pressing 'reg' (right down) the registers window, so you can see how the X, Y, Z and T registers work during a calculation (In these examples the other four registers are not used).

Arithmetic simple calculations

Example 1: 13:2

YOU INPUT	DISPLAY SHOWS

13	13

ENT	13,00

2	2

/	6,50

Multiple-value calculations

Example 2:	68.530 - 10.000 - 15.700 -10.540 + 1.150.000

YOU INPUT	DISPLAY SHOWS

68530	68.530

ENT	68.530,00

10000	10.000

-	58.530,00

15700	15.700

-	42.830,00

10540	10.540

-	32.290,00

1150000	1.150.000

+	1.182.290,00

Example 3:  (b * (b-1)^(1/n) - (1+b)^(-n))/((0.25+b^(-1/n) )*(log(b) +b^2)) ove b= 1,35 e n =3

YOU INPUT	DISPLAY SHOWS

1,35	1,35

Mem 0	1,35	I stored it while I'll use it later

ENT	1,35

Rcl 0	1,35

1	1,

-	0,35

3	3,

1/x	0,33

y^x	0,70

x	0,95

1	1,

Rcl 0	1,35

+	-0.35

3 CaS	-3,00

y^x	0,08

-	0,87

0,25	0,25

Rcl 0	1,35

3	3,

1/x	0,33

CaS	-0,33

y^x	0,90

+	1,15

Rcl 0	1,35

Log	0,13

Rcl 0	1,35

2	2,

y^x	1,82

+	1,95

/	0,59

That's the result.


Examples of higher financial computing; computing; higher financial calculations; examples
Higher financial examples

Example 1: you have made these operations in the Investment Fund A: you have pay in, as first mouvment, Lit. 2.400.000 on 12/02/1994, and after Lit. 200.000 on 01/03/1994,  05/04/1994, 03/05/1994, 05/06/1994, 01/09/1994,06/10/1994, 02/11/1994, 10/12/1994,15/01/1995,01/02/1995,25/02/1995, 04/04/1995,15/05/1995. On 31/12/1996 you have accumulate Lit. 6.995.350.

In this period of time the quotation of Fund A raised at a rate of 12,00 % per year. What annual interest rate have you obtained? And how much would you have accumulated when the interest rate would be like the increase of the Fund A quotation (or, in other words, by a linear growth of the Fund quotations)? And, in this case, how much would you have payed in to obtain the same result: Lit. 6.995.350?

ATTENTION: The calculator acceppts either dates or number of days, but you can't use for some movements the date and for the others the numbers of days!

Dates must be entered in the format you've choosed in menu: dd/mm/yyyy or mm/dd/yyyy: key in the number of the day (two digit), press ":", key in the month as two digit, press ":", key in the full year (and press 'Date/days"). The calculetor itself uses the format dd,mmyyyy: dates can so be entered also in this format (For instance the date 31/12/1996 can be entered also as 31,121996); in this case set the number with 6 decimal places (press 'dec' followed by 6). You can store tha dates into any of the ten storage registers. If you recall them, they'll be in the format dd,mmyyyy.

Pay great attention to the sign of values (payment, loan or investment amount): cash received is represented by a positive value; cash paid out is represented by a negative value.

Let us introduce the values. We enter in the higher financial function pressing "FIN". Remember that pay in is negative, pay out positive.

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

2400000    CaS	-2.400.000,00

Pay out/in	-2.400.000,00	1

12:02:	1994	12/02/1994	-2.400.000,00	1

Date/days	-2.400.000,00	12/02/1994	1

So you have introduce the first movement You have surely perceived the small italic number oben at the right side of main display: when you pressed "Pay out/in" it's appeared the number 1 to indicate that one value was still missing. When you pressed "Date/days" it became 0 to indicate that bothe values were introduced.

The third number below indicate the ordinal number of movement. Actually it's 1, while you have introduced the first movement. Es wird 2 with the next movement, and so on.

Now let's introduce the others movements. Pay attention to these two numbers just now examined and observe also that has no importance the order in which  you entered the values of one movement, the payment first or the date first.

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

200000   CaS	-200.000,00	2.400.000,00	12/02/1994	1

Pay out/in	-200.000,00	2

01:03:1994	01/03/1994	-200.000,00	2

Date/days	-200.000,00	01/03/1994	2

05:04:1994	05/04/1994	-200.000,00	01/03/1994	2

Date/days	05/04/1994	3

200000   CaS	-200.000,00	05/04/1994	3

Pay out/in	-200.000,00	05/04/1994	3

03:05:1994	03/05/1994	-200.000,00	05/04/1994	3

Date/days	03/05/1994	4

200000   CaS	-200.000,00	03/05/1994	4

Pay out/in	-200.000,00	03/05/1994	4

05:06:1994	05/06/1994	-200.000,00	03/05/1994	4

Date/days	05/06/1994	5

200000   CaS	-200.000,00	05/05/1994	5

Pay out/in	-200.000,00	05/06/1994	5

01:09:1994	01/09/1994	-200.000.,00	05/06/1994	5

Date/days	01/09/1994	6

200000   CaS	-200.000,00	01/09/1994	6

Pay out/in	-200.000,00	01/09/1994	6

06:10:1994	06/10/1994	-200.000,00	01/09/1994	6

Date/days	06/10/1994	7

200000   CaS	-200.000,00	06/10/1994	7

Pay out/in	-200.000.,00	06/10/1994	7

02:11:1994	02/11/1994	-200.000,00	06/10/1994	7

Date/days	02/11/1994	8

200000   CaS	-200.000,00	02/11/1994	8

Pay out/in	-200.000,00	02/11/1994	8

10:12:1994	10/12/1994	-200.000,00	02/11/1994	8

Date/days	10/12/1994	9

200000   CaS	-200.000,00	10/12/1994	9

Pay out/in	-200.000,00	10/12/1994	9

15:01:1995	15/01/1995	-200.000,00	10/12/1994	9

Date/days	15/01/1995	10

200000   CaS	-200.000,00	15/01/1995	10

Pay out/in	-200.000,00	15/01/1995	10

 1:02:1995	01/02/1995	-200.000,00	15/01/1995	10

Date/days	01/02/1995	11

200000   CaS	-200.000,00	01/02/1994	11

Pay out/in	-200.000,00	01/02/1995	11

25:02:1995	25/02/1995	-200.000,00	01/02/1995	11

Date/days	25/02/1995	12

200000   CaS	-200.000,00	25/02/1995	12

Pay out/in	-200.000,00	25/02/1995	12

04:04:1995	04/04/1995	-200.000,00	25/02/1995	12

Date/days	04/04/1995	13

200000   CaS	-200.000,00	04/04/1995	13

Pay out/in	-200.000,00	04/04/1995	13

15:05:1995	15/05/1995	-200.000,00	04/04/1995	13

Date/days	15/05/1995	14

200000   CaS	-200.000,00	15/05/1995	14

Pay out/in	-200.000,00	15/05/1995	14

You must now introduce the capital at 31/12/1996. The way is the same, but the sign is now positive.

31:12:1996	31/12/1996	-200.000,00	15/05/1995	14

Date/days	31/12/1996	15

6995350	6.995.350,	31/12/1996	15

Pay out/in	6.995.350	31/12/1996	15

Now that you have introduced all the values, it's time to save your work. Press:

Save	and the Save Window appears.

Choose a directory (a dopple click with  mouse on its name and the directory will open)

Tipped in the file box the name you want to save your work with (for instance "Proof"), and press "SAVE" ("CANCEL" closes the window without saving).

let's now explore other keys.

For instance you realize thet on 05/06/1994 you don't have pay in Lit. 200.000 , but Lit 600.000, while on 10/12/1994 you don't have pay in anything and on 15/12/1994 you have made a pay out  of Lit. 500.000. So you must change three movements. To do that, you will use the keys "Forward" and "Backward" and also the keys Pg-Dn, Pg_Up, Home and End (Fine) from keyboard.

To show the 5th movement (05/06/1996) you can do so:

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

end (keyboard)	6.995.350,00	6.995.350	31/12/1996	15

Pg-Dn (keyboard)	-200.000,00	-200.000,00	05/06/1994	5

To change the pay in, introduce simply the new value:

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

600000 	600.000,, 	-200.000,00	05/06/1994	5

CaS	-600.000,00	-200.000,00	05/06/1994	5

Pay out/in	-600.000,00	05/06/1994	5

The change is made. If you introduce now a new value, you would change also the   date of the 5th movement (with the key 'Date/days') or , once more the pay in (with the key 'Pay out/in'). This second value would complete the 5th movement, so a new entry would change the 6th movement. To see that the change really happened, you can press 'Forward' and then 'Backward'.

Let's change now the 9th movement (you are now seeing the 5th movement!).

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

Forward	-200.000,00	01/09/1994	6

Forward	-200.000,00	06/10/1994	7

Forward	-200.000,00	02/11/1994	8

Forward	-200.000,00	10/12/1994	9

That's the 9th movement. You  must change both the date and the pay in. You can begin changing the date first or the pay in. For example you can do so:

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

15:12:1994	15/12/1994	-200.000,00	10/12/1994	9

Date/days	-200.000,00	15/12/1994	9

500000	500.000,	-200.000,00	15/12/1994	9

Pay out/in	500.000,00	15/12/1994	9

Also this change is made. The sign was positiv while it was a pay out.

You can now save your work (recommanded) once more.

So press "Salva", choose the earlier directory,  click twice on "proof.mcd" and your work is saved with the same name.

ATTENTION: except the first and the last movement, all the others must be different from null! If you have forget a middle movement, you can introduce it at the end (the cronological order is not important) changing the last movement. You must then introduce after it the last movement (The last movement mus always stay at end).

Now, please, close the calculator pressing "OFF" and then start once more the program.

As the calculator appears, press "Load". Choose the directory where you saved your work and click on the file "Proof" e then press "LOAD" (or double click on "Proof".). When the file is loaded, the calculator appears exactly as it was by saving..

In that case, you shoul see on the lower display the values 500.000,00, 15/12/1994 e 9.

Let's now finally compute the interest rate of the investment. To do it:

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

run	16,38	500.000,00	15/12/1994	9

That ist the desired interest rate! (All data are saved in the two files provided with the program 'prov_eu.mcd' in european date format and 'prov_us.mcd' in usa date format).

As you see it, you remember that you had forget a pay in of Lit. 400.000 lire that you did on 10/12/1994. Not to be afraid. You'll introduce it at once.

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

End(Fine)	6.995.350,00	6.995.350	31/12/1996	15

Mem   0	6.995.350	6.995.350	31/12/1996	15

400000   CaS	-400.000,00	6.995.350,00	31/12/1996	15

Pay out/in	-400.000,00	31/12/1996	15

10:12:1994	10/12/1994	-400.000,00	31/12/1996	15

Date/days	-400.000,00	10/12/1994	15

Rcl   0	6.995.350	-400.000,00	10/12/1994	15

Pay out/in	6.995.350,00	16

31:12:1996	31/12/1996	6.995.350,00	16

Date/days	6.995.350	31/12/1996	16

Practically you have changed the last movement with the missing one, then you have introduced the last movement once more. In fact this movement must the last sein. you have also seen how you can use the storage registers.

Now can you compute the new interest rate:

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

run	13.05	6.995.350,00	31/12/1996	16

That is the annual desired interest rate, dayly compounded !!!

N.B.: The interest rate is automatically stored. To see that press "Can", clearing so the display, then press'Rcl' followed by "i". The interest rate is displayed. if both the first and last movement are not null, pressing 'run' you compute the interest rate.

Before going on, you can save that result on memory 0. To do it:

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

Mem   0	13,05	6.995.350,00	31/12/1996	16

Switch the printer on. Let's print all. Press 'P'. Introduce the print header "Proof". Press 'OK'. The printed copy should be as follow:

Proof

Nr.	DATE	PAYMENT

1	12/02/1994	-2.400.000	pay-out

2	01/03/1994	-200.000	pay-out

3	05/04/1994	-200.000	pay-out

4	03/05/1994	-200.000	pay-out

5	05/06/1994	-600.000	pay-out

6	01/09/1994	-200.000	pay-out

7	06/10/1994	-200.000	pay-out

8	02/11/1994	-200.000	pay-out

9	15/12/1994	 500.000	pay-in

10	15/01/1995	-200.000	pay-out

11	01/02/1995	-200.000	pay-out

12	25/02/1995	-200.000	pay-out

13	04/04/1995	-200.000	pay-out

14	15/05/1995	-200.000	pay-out

15	10/12/1994	-400.000	pay-out

16	31/12/1996	  6.995.350	pay-in

Interest: 13.04 %

Now let's see the final amount if the annual interest rate is 12,00%.

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

12	12	6.995.350,00	31/12/1996	16

i	12,00	6.995.350,00	31/12/1996	16	annual rate.

End	6.995.350,00	6.995.350,00	31/12/1996	16

You pressed 'End', also if the last movement was already displayed, why a new entry would be the 17th.

Now you must clkear the final capital. Only so, being the beginning capital and the interest rate different from null, the calculator computes the final capital.

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

0	0	6.995.350,00	31/12/1996	16

Pay out/in	0,00	31/12/1996	16

run	6.828.709,42	6.828.709,42	31/12/1996	16

That is the final capital you would get at the rate of 12,00% per annum.

Let's now see how much would you pay in initially to accumulate Lit. 6.995.350 at the rate of 12 % per annum.

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

End	6.828.088,51	6.828.088,51	31/12/1996	16

6995350	6.995.350,	6.828.088,51	31/12/1996	16

Pay out/in	6.995.350,00	31/12/1996	16	final capital

Home	-2.400.000,00	-2.400.000,00	12/02/1994	1

0	0,	-2.400.000,00	12/02/1994	1

Pay out/in	0,00	12/02/1994	1	you clear the initial pay in

run	-2.520.168,36	-2.520.168,36	12/02/1994	1

That is the initially pay in to obtain the same final amount (6.995.350) at the rate of 12%.

Example 2 : you need 5 millions lire! A "friend" lend you the sum at these conditions: you must pay in 500.000 lire after 45 days; 500.000 lire after 45 days more; 9 payments of 500.000 lire every 30 days after the second payment. You have to pay back so Lit. 5.500.000 lire in 360 days. What is the interest rate applied?

Being the paymento of Lit. 500.000 recurring, you can use the memory 1 so you have not to introduce many times the same value.

MAIN DISPLAY 	DISPLAY SHOW

YOU INPUT	SHOW (OBEN)	BELOW

C/T	to clear all

5000000	5.000.000,	loan (= sign +)

Pay out/in	5.000.000,00	1

0	0	5.000.000,00	1

Date/days	5.000.000,00	0,00	1

500000 	500.000,	5.000.000,00	0,00	1

CaS	-500.000,00	5.000.000,00	0,00	1	(sign -)

Mem   1	-500.000,00	5.000.000,00	0,00	1

Pay out/in	-500.000,00	2

45	45	-500.000,00	2

Date/days	-500.000,00	45	2	days

Rcl   1	-500.000,00	-500.000,00	45	2

Pay out/in	-500,000,00	3

45	45	-500.000,00	3

Date/days	-500.000,00	45	3

Rcl   1	-500.000,00	-500.000,00	45	3

Pay out/in	-500.000,00	4

30	30	-500.000,00	4

Date/days	-500.000,00	30	4

Rcl   1	-500.000,00	-500.000,00	30	4

Pay out/in	-500.000,00	5

30	30	-500.000,00	5

Date/days	-500.000,00	30	5

Rcl   1	-500.000,00	-500.000,00	30	5

Pay out/in	-500.000,00	6

30	30	-500.000,00	6

Date/days	-500.000,00	30	6

Rcl   1	-500.000,00	-500.000,00	30	6

Pay out/in	-500.000,00	7

30	30	-500.000,00	7

Date/days	-500.000,00	30	7

Rcl   1	-500.000,00	-500.000,00	30	7

Pay out/in	-500.000,00	8

30	30,	-500.000,00	8

Date/days	-500.000,00	30	8

Rcl   1	-500.000,00	-500.000,00	30	8

Pay out/in	-500.000,00	9

30	30	-500.000,00	9

Date/days	-500.000,00	30	9

Rcl   1	-500.000,00	-500.000,00	30	9

Pay out/in	-500.000,00	10

30	30	-500.000,00	10

Date/days	-500.000,00	30	10

Rcl   1	-500.000,00	-500.000,00	30	10

Pay out/in	-500.000,00	11

30	30	-500.000,00	11

Date/days	-500.000,00	30	11

Rcl   1	-500.000,00	-500.000,00	30	11

Pay out/in	-500.000,00	12

30	30	-500.000,00	30	12

Date/days	-500.000,00	30	12

run	18,35	,	-500.000,00	30	12

He applied the annual interest rate of  18,35 %, dayly compounde.


EXAMPLE OF COMPLEX CALCULATION

Let us do this calculation:

{[(25/30 + 45/0) x 30/15]/28/-75 -15/86]}^0,5

The format is already prepared.

I introduce the first number:

25	it appears in the 0 register

tab

45	it appears in the 0 register

ENTRA	the number appears also in the 1 register

The number in the first inputbox is highlighted. I can so write the new one.

45	it appears in the 0 register

tab

0	it appears in the 0 register

+	addition

The 0 register display the results of addition. The register 1 display the value that were in register 2 (and so on).

I can now input the third number.:

30	it appears in the 0 register

tab

15	it appears in the 0 register

x	multiplication

I key in the fourth number:

28	it appears in the 0 register

tab

-75	it appears in the 0 register

/	division

I key in the fifth number:

15	it appears in the 0 register

tab

86	it appears in the 0 register

-	subtraction

/¯x	square root

The result is displayed:

7,63/52,17

N.B.: When I introduce a number, it will automatically converted and displayed also in the other format.


SHAREWARE

inTer is Shareware, and if you will use it regularly you must register it!

You can use this software for 30 days. After this trial period, if you can not continue to use it without registering it.

You are licensed to give exact copies of the original Shareware version to anyone.

You are specifically prohibited from charging, or requesting donations, for any such copies, however made.

Unregistered use of inTer after the 30-day evaluation period is in violation of copyright laws.

The registration cost only 15 US$ (25.000 lire or 25 DM) that you can pay using the modality described in the following section..

Benefit of registration:

1.	you are ok with the law and feel you better;

2.	you put an end to the nag screens and opening banner;

3.	you get technical support by phone or e-mail;

When the author receives notification of your registration you will be e-mailed a registration number immediately.  However, if you should happen to register on the first day of the author's vacation it may be several days before you receive your registration number!

What is SHAREWARE?

Shareware distribution gives users a chance to try software before buying it.  If you try a Shareware program and continue using it, you are expected to register. Individual programs differ on details -- some request registration while others require it, some specify a maximum trial period.  With registration, you get anything from the simple right to continue using the software to an updated program with printed manual.

Copyright laws apply to both Shareware and commercial software, and the copyright holder retains all rights, with a few specific exceptions as stated below.  Shareware authors are accomplished programmers, just like commercial authors, and the programs are of comparable quality. (In both cases, there are good programs and bad ones!)  The main difference is in the method of distribution.  The author specifically grants the right to copy and distribute the software, either to all and sundry or to a specific group.  For example, some authors require written permission before a commercial disk vendor may copy their Shareware.

Shareware is a distribution method, not a type of software.  You should find software that suits your needs and pocketbook, whether it's commercial or Shareware.  The Shareware system makes fitting your needs easier, because you can try before you buy.  And because the overhead is low, prices are low also.  Shareware has the ultimate money-back guarantee -- if you don't use the product, you don't pay for it.

(This information provided by the Association of Shareware Professionals (ASP), who can be reached at):

Association of Shareware Professionals

545 Grover Road

Muskegon, MI 49442

You can also contact the ASP through CompuServe with e-mail to 70007,3536.

From the Internet send mail to 70007.3536@compuserve.com


Registration

To register, you just need to send me 15 US$ (25.000 lire or 25 DM) by credit card, mail, checks or postal money order.

HOW TO ORDER

Credit card

For your convenience, you may order by credit card in any of the

following ways:

1.	Online: http://www.axxis.com/cgi-bin/order-cazorzi

You can order over the World Wide Web using a secured form.

All information sent this way is encrypted for your

protection.  This is the fastest way to order.  Your order

will be sent within minutes to the developer for fulfillment.

2.	Toll Free at 1-888-AT-ALTUS (1-888-282-5887)

Our hours are 9:00 a.m. to 12:00 midnight Mountain, Monday

through  Saturday.

3.	Phone Voice-mail: 801-523-8221

When ordering by phone, please provide the information

requested below.  Orders placed by phone may take up to 48

hours to be verified and sent to the developer.

4.	FAX: 801-576-5663

When ordering by FAX, please provide the information

requested below.  Orders placed by FAX may take up to 48

hours to be verified and sent to the developer.

5.	E-mail: altus@axxis.com

When ordering by e-mail, please provide the information

requested below.  Orders placed by e-mail may take up to 48

hours to be verified and sent to the developer.

ORDER INFORMATION

When ordering by phone, FAX, or e-mail, you must provide the following

information:

Your Name:

Billing Address (the address your credit card bill is sent to)

Street:

City:

State:

Zipcode:

Country:

Mailing Address (if different than billing address)

Street:

City:

State:

Zipcode:

Country:

Home Phone Number:

Work Phone Number:

E-mail Address:

Credit Card Information

Type (Visa, MasterCard, and American Express)

Account Number:

Expiration Date:

Software to Order

Title:

Quantity:

Total Dollar Amount:

Supply number (you can find it in the registration window, that appear when you press the key 'REGISTRATION')

If faxed or e-mailed, please include the following language (and sign

if faxed):

I authorize AXXIS Internet to bill my credit card and agree to pay

the total amount according to my card issuer agreement.

_________________________	_____________

Signature                  	 Date

-------------------------------------------------------------------------

Mail, Check or postal money order

Send me 15 US$ (25.000 lire or 25 DM) by  mail, checks or postal money order., along with the following registration form:

First Name

Second name

Age

Company/Profession

Address

e-mail

Supply number (you can find it in the registration window, that appear when you press the key 'REGISTRATION')

Send this to:

Ing. Mario Ca' Zorzi

via Roma 39,

I - 30020 Noventa di Piave (VE)

Italy

REGISTRATION CODE

After your registration I will send you the registration number that you have to put in the box of the registration window (the one that open when you choose 'Registration' from menu.

N.B.: Send ALWAYS the full name and the 'supply number' that you find in the Registration Window.

E_Mail: cazorzi@usa.net

Internet: http://www.altus-software.com/products/altus-cazorzi.html

Internet: http://www.volftp.vol.it/IT/IT/ITALIANI/CAZORZI/index.htm


REGISTRATION FORM

First Name: ________________________ Second  name: _______________________________

Age: ______________

Address: _________________________________________________ Zip: ______________

City: _______________________________ State __________________________________

Phone. ________/________________     e-mail: ____________________________________

Company/Profession: _________________________________________________________

___Student	School:___________________________________	___Pensioner

The full name on registration window is: _____________________   __________________

The display number on registration window is: ____________         Program: inTer (16 bit)

The paymento of: ________________________  (15 US$ (25.000 lire or 25 DM)) is made:

__ sending an insure letter with a check for ______________  payable to Ing. Mario Ca' Zorzi.

__ with a money-order payable to Mario Cazorzi, via Roma 39, I - 30020 Noventa di Piave (VE), Italy

__Credit Card  ____VISA ____ MasterCard , nr. ___________________________

Name on Card ________________________________________________________

Expiretion date ____________________

Billing Address:    _____________________________________

                           _____________________________________

                           _____________________________________

I HAVE READ AND ACCEPT THE  EVALUATION AGREEMENT!

Signature: ______________________________________


IMPORTANT NOTICE

I will move to India at the end of this year (probably in october 1997). So, from october, please register you only using Altus facilities. Other way you must take into account a probably long registration time. For my moving I will put more accurate instructions in both my pages:

http://www.altus-software.com/products/altus-cazorzi.html

http://www.volftp.vol.it/IT/IT/ITALIANI/CAZORZI/index.htm


UNINSTALL

Delete the inTer's directory with all its files.

Windows directory

Delete the files:

ahi.wav
apt95z.dmc	initialization file

int_en.hlp	Help (english)

inter.hlp	Help (Italian)

inter.mcd	(if present)*

numero.wav
tasto.wav
yes.wav	System  directory of Windows

Delete the file (if you don't need it for other applications):

vb40032.dll	Visual Basic's librery

* inter.mcd is created only from registered programms when the command    'Save on exit' is on.


Disclaimer of Warranty

THIS SOFTWARE AND THE ACCOMPANYING FILES ARE SOLD "AS IS" AND WITHOUT WARRANTIES AS TO PERFORMANCE OF MERCHANTABILITY OR ANY OTHER WARRANTIES WHETHER EXPRESSED OR IMPLIED.

Because of the various hardware and software environments into which inTer may be put, NO WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE IS OFFERED.

Mario Ca' Zorzi take no responsibility for any damage to goods or lives through misuse of this program.

The user must assume the entire risk of using the program.  Any liability of the seller will be limited exclusively to product replacement or refund of purchase price.

This program has been tested to be free of bugs to the best of my capabilities. I disclaim any responsibility for the damages your computer or your data may incur through the use of this program.

inTer was tested in Windows 3.1 and Windows 95.


Vacation


calcolatrice einstein
einSTein (Ver. 4.00)

(Shareware, 35 US$ (60.000 lire or 60 DM).

"einSTein" is a calculator with higher finance functions. It uses the  Reverse Polish Notation (RPN)

It has ten data storage registers, in addiction to the 8 automatic registers where most calculations take place and the 1.838 registers used for the advanced finance calculations.

It has 4 functions, each with a different layout of calculator's keys:

normal functions: give you the ability to quickly and easily handle simple arithmetic operations such as adding, subtracting, multiplying and dividing, as well as more sophisticated functions such as logarithms, exponents and financial calculations with equal periodic payments (or deposit amount) and constant period. Displayes or prints the amortization schedule of a loan.

Calendar functions: handle almost all the operations of the normal functions (not the financial operations) as well as calculate the calendar date of a certain number of days in the future (or past), the number of days between two calendar dates and actual days.

higher financial functions: handle almost all the operations of the normal functions. Beyond that, give you the ability to calculate, quickly and easy, the compound interest rate, or the amount of loan or investment, or the amount at the end of term, with unequal periodic payments (or deposit amounts) and different periods up to a maximum of 600 cash flows.

It's possible to print, with any headline, the complete cash-flow with the interest rate.

trigonometric functions: handle almost all the operations of the normal functions. The financial functions are with the trigonometric functions replaced.

measures converter: a window where you can convert a number between many measure.

You can navigate between the four functionality without erasing the prevoius values.

"einSTein" give you the possibility to save (with the name you choose) and resume all the values you are working with. You can always recall the data you have previously saved and so you'll recreate exactly the situation at the moment you had saved your data.

You can, while working, see the contents of the 8 working registers, the lastx register, the ten storage registers and the 5 finance registers.

You can also use a notes where you can write and that can also be saved as a text file.

Fast all calculator functions are accessible from the keyboard.


imeasure_program
Available also as stand alone program.

Program name:	meaSure (Ver. 1.00)

Registration cost:	6 US$ (10.000 lire or 10 DM).