----------------------------------------------------------------------- FINREAD.TXT--Read me text for the "FINCALC" program. ----------------------------------------------------------------------- [CONTACT INFORMATION] THANK YOU FOR TRYING FINCALC ! by Joe Piedimonte 3609 S. 10th Street Ct. Blue Springs, Missouri 64015 bus. phone: (816) 224-3517 Compuserve ID: 71573,235 AOL: PIEDIMONTE PRODIGY: DFCY03A INTERNET: 71573.235@compuserve.com COMPUSERV USERS: You can register this product through the Compuserv Registration Database. If you do, I will forward the final version of the software. To purchase by this method do the following: GO SWREG the registration ID is 3807 VISA & MASTERCARD Purchasing is available!!!! Just call NORTHSTAR SOLUTIONS 1-800-699-6395 from 10:00am to 10:00pm EST. Have ready this Program Name, Version, Card Number, Expiration, and desired diskette size. I will forward the final copy upon your registration with them. ----------------------------------------------------------------------- [VERSION NUMBER] 2.00 ----------------------------------------------------------------------- ----------------------------------------------------------------------- [COPYRIGHT NOTICE] All rights reserved by Joe Piedimonte ----------------------------------------------------------------------- ----------------------------------------------------------------------- [PROGRAM DESCRIPTION] "FINCALC" is a Windows program designed to handle differing financial calculations related to investments and lending. Businesses, Financial Institutions, Government Agencies, and Consumers will find this program useful. If you are involved in analyzing, acquiring, and recommending investments or loans you will like using "FINCALC". The program acts like a loan calculator. It will display and print loan amortization schedules. The loan calculator portion computes the scheduled payment, the number of payments, or the proper loan payout, if the other two input items are given. The loan calculator optionally considers four types of insurance and real estate taxes on the amortization schedule. Estimated annual insurance charges can be entered for homeowners, or one other type of miscellaneous insurance. A provision is made for both disability and life where the insurance is calculated on the outstanding loan balance and allows user definable insurance rates, terms, and repayment frequencies. The same features are offered for balloon loans, with a user definable amortization period and term. All loan calculations can be based on a 360 or 365 day interest year. The program allows for multiple repayment frequencies and will calculate the maturity date based upon leap years. The investment portion of the program handles annuities and figures both present and future values of deposits based upon user input for APR, interest periods, investment term, and optional recurring investment contributions. An effective APR based upon input for the number of compounding periods can be performed. General business calculations including, markup over cost and price, percent of total cost, and price based upon a markup percent, are also available. The program provides context sensitive on-line help with examples and hypertext links. ----------------------------------------------------------------------- ----------------------------------------------------------------------- [REGISTRATION INFORMATION] This program is shareware. If you find it useful, please send me $20.00 plus $3.00 for shipping and handling. The user is granted a limited license to evaluate the program. If you wish to continue using the program, please register is by completing the registration form (which can be printed from the HELP menu item called registration form). Please send the completed form with the $20.00 registration fee (plus $3.00 S/H) to: Joe Piedimonte 3609 S. 10th Street Ct. Blue Springs, Missouri 64015 VISA & MASTERCARD Purchasing is available!!!! Just call NORTHSTAR SOLUTIONS 1-800-699-6395 from 10:00am to 10:00pm EST. Have ready this Program Name, Version, Card Number, Expiration, and desired diskette size. I will forward the final copy upon your registration with them. Registration will entitle you to a licensed copy of the latest version and special upgrade prices on future releases of the program. The user is granted permission to make unlimited copies of the demo program and distribute those copies as long as all files are copied intact and no fee is charged for the program. "FINCALC" is written by Joe Piedimonte and all rights are reserved. No warranties are made, either expressed or implied, with respect to the software, its fitness for any particular purpose, or its documen- tation. The product is sold "as is". ----------------------------------------------------------------------- ----------------------------------------------------------------------- [INSTALLATION] After downloading "FINCALC.ZIP", unzip this file. The following program files can be placed in any directory you wish. 1. FINCALC.EXE--The main program file. 2. LNPAYOUT.DLL--Library required by FINCALC.EXE. 3. BLPAYOUT.DLL--Library required by FINCALC.EXE. 4. MARKP.DLL--Library required by FINCALC.EXE. 5. MARKC.DLL--Library required by FINCALC.EXE. 6. FINCALC.HLP--The online help file. 7. FINCALC.DGB--A file required by FINCALC.EXE. 8. FINCALC.ICO--ICON for use with FINCALC.EXE. 9. FINREAD.TXT--The file which you are viewing that contains installation and product information. The above files are a minimum installation configuration for those not interested in using the install program. The "FINCALC.ZIP" file can be unziped in any directory and installed with use of the install program included in the ZIP file. If the install program is used, it will do the following: 1. Create a program group on your windows desktop called "FINANCIAL SOFTWARE". 2. Create an ICON within the program group called "FINCALC" 3. Copy all files to your C:\WINDOWS directory. To run the install program, select from the Program Manager in Windows, the FILE|RUN option. Where the command line is asked for, key in: [drive]:\dir\install.exe. (As an example: C:\FIN\INSTALL.EXE). The "dir" is the directory or path, where you placed FINCALC.ZIP and unziped the file. NOTE: This product will run under OS/2 if WIN OS/2 is installed. Copy the 9 files mentioned above to the C:\OS2\MDOS\WINOS2 directory. Do not use the install program because it will not work. Create your own program item under the WINOS2 Program Manager, or select FILE|RUN for FINCALC.EXE to launch the program. ----------------------------------------------------------------------- ----------------------------------------------------------------------- [HOW TO RUN] You have two options depending upon how you installed "FINCALC". A. If the install program was used, double click on the group item called "FINANCIAL SOFTWARE" and then double click on the program item called "FINCALC" while in the Program Manager. This will launch the program. B. If the install program was not used, either create your own program item using FINCALC.ICO and launch the program from it, or start from the Program Manager using the FILE|RUN option and key in the following for the command line: [drive]:\dir\fincalc.exe "dir" is the path or directory where you unzipped FINCALC.EXE. As an example, (C:\FIN\FINCALC.EXE) would work if you had created a directory called C:\FIN and unzipped FINCALC.ZIP in that directory. You may also have copied the 9 files shown above under [INSTALLATION], to a special directory or path and this directory would be used in that case, where the "dir" is shown in the above example. ----------------------------------------------------------------------- ----------------------------------------------------------------------- [REQUIREMENTS] Windows 3.1, PKZIP/UNZIP ----------------------------------------------------------------------- ----------------------------------------------------------------------- [KNOWN INCOMPATABILITIES] Incompatible with windows versions prior to 3.0. ----------------------------------------------------------------------- ----------------------------------------------------------------------- [VERSION HISTORY] New features were added for Homeowners Insurance, and Miscellaneous Insurance for all loan amortizations and payment calculations. The Loan Input screen was redesigned to be more intuitive and a "COMPUTE" button was added to it. The printed amortization schedule now gives totals for all categories by year. A bug was fixed having to do with insurance payments computing incorrectly when the repayment frequency was not monthly. A bug was fixed making the scheduled payment more level when the interest base is 365 days. A bug was fixed with the maturity date when the number of payments is given with or without the payment amount. A bug was fixed with the computed number of payments when disability and life insurance are figured with a specified payment. A bug was fixed with the loan payout totals not matching the screen listing of totals at the bottom of the amortization. A new price based upon a user definable markup percent was added to the Business Menu of the program. In general modifications were made to make the program more intuitive over version 1.1. ----------------------------------------------------------------------- ***** PLEASE NOTE ***** This software is provided "as is". The author claims no responsibility for any damages you may experience as a result of using this software. Any comments, questions, or suggestions are welcomed. Joe Piedimonte 3609 S. 10th Street Ct. Blue Springs, MO 64015 bus. phone: (816) 224-3517 Compuserv ID: 71573,235 AOL: PIEDIMONTE PRODIGY: DFCY03A INTERNET: 71573.235@compuserve.com COMPUSERV USERS: You can register this product through the Compuserv Registration Database. If you do, I will forward the final version of the software. To purchase by this method do the following: GO SWREG the registration ID is 3807 VISA & MASTERCARD Purchasing is available!!!! Just call NORTHSTAR SOLUTIONS 1-800-699-6395 from 10:00am to 10:00pm EST. Have ready the Program Name, Version, Card Number, Expiration, and desired diskette size. I will forward the final copy upon your registration with them.