THE DEBT ANALYZER for WINDOWS (C) 1994 Version 1.03, May 10, 1994 Suggested BBS name, this version: WDT103.ZIP ********************************* REQUIRES WINDOWS Version 3.1 ********************************* A shareware software package from Insight Software Solutions Mailing Address: P.O. Box 354, Bountiful, UT 84011-0354 Phone: (801) 295-1890 Fax: (801) 299-1781 BBS: (801) 963-8721 CIS: [71672,3464] Author: Michael D. Jones Installation: Run "SETUP" off the floppy disk from the Windows File Manager Example: if the disk is in drive A: then do the following: 1. Press Alt-F in the Windows Program Manager 2. Select "Run" 3. Enter "A:\SETUP" 4. Press Enter and following instructions The Debt Analyzer - Program Overview HOPELESSLY IN DEBT? Need a systematic way to rid yourself of it? The Debt Analyzer is the answer! A financial software program designed with ease and flexibility, it is the perfect tool to help reduce and eliminate debt. Debt reduction is illustrated through a debt elimination schedule or through loan consolidation. Up to 20 debts can be processed at one time. The debt elimination matrix works by analyzing all debt information and assigning a priority to each debt. Debt information includes minimum payments, current payments, interest rate and loan balance. Once a debt is paid off, the payment for that debt is applied to the next highest priority debt--accelerating the payoff of the debt! You may choose to have the difference between the current payment and the minimum payment shuffled around and applied to the highest priority debt. You may also choose to add an additional monthly amount to your payment--increasing the acceleration even more! It is the payment acceleration which results in significant interest savings. You may prioritize the payoff of your debts in any user specified order. However, there are 9 predefined priority methods available. These include "Highest Interest Rate First", "Smallest Balance First", "Largest Balance First", "Smallest Minimum Payment First", "Largest Minimum Payment First", "Smallest Current Payment First", "Largest Current Payment First", "Shortest Term Debt First" and "Longest Term Debt First". Loan consolidation illustrates the savings that can be incurred by combining all your high rate debts to one lower rate loan. The term or the payment of the consolidated loan may be specified or the total of all other debt payments can be used. The Debt Analyzer - Program Features Debt Elimination Consolidated Loan Up to 20 debts Up to 20 debts Payments Select Term of Loan Minimum Payments Select Payment To Make Current Payments Use Sum of Debt Payments Accelerated Payments Current Debt Summary Prioritize Debts Months To Pay Highest Interest Rate First Interest To Pay Smallest Balance First Interest Saved With Consolidation Largest Balance First Consolidated Loan Schedule Smallest Minimum Payment First Largest Minimum Payment First Reports Smallest Current Payment First Schedules, Reports and Summaries Largest Current Payment First Calendar or Fiscal Year Shortest Term Debt First Cumulative or Non Cumulative Largest Term Debt First Whole Dollars or Exact Cents User Defined 18 Date Formats--International Incl Debt Payoff Schedule Debt Payment Schedule Debt Payment Chart Debt Payment Summary Months To Pay Months Saved Interest Paid Interest Saved What is Shareware? Shareware is a marketing concept in which copyrighted software products are distributed by allowing and encouraging duplication of the program for evaluation by interested parties. As a recipient of a shareware program, you are granted the right to use the program for a short period to determine if it meets your needs. The program developer receives payment from the users after they have determined that the product meets their needs. The motivation for making payment for a shareware program is honest payment for a valuable tool, desire for support, updates, enhancements and documentation, and to help encourage shareware authors to produce additional quality programs. Program Registration The Debt Analyzer can be registered with Insight Software Solutions with a check, money order, VISA or MasterCard in the amount of $15.00 U.S. plus shipping and handling. A "PLUS" version is available for $25.00. Please refer to the address and phone numbers listed above. Upon receipt, Insight Software Solutions will send you the latest version of the product. Please note that the "PLUS" version comes with a printed manual. Once registered, you will receive notification of major updates and new products. Registration includes a 90 day support policy where free updates will be provided for major problems. If a problem cannot be resolved, then a refund of money will be made. Program Support Insight Software Solutions offers support through the mail, phone, fax and BBS. Please refer to address and phone number above. Our official support BBS is the Rocky Mountain Software BBS (RMS). RMS can be reached 24 hours a day at (801) 963-8721 where a conference dedicated to us can be found. Our latest software products and versions, bulletins, news and message system are located on RMS. RMS accepts modem baud rates of 1200 to 38400. ************************************************************************** * Insight Software Solutions is a member of the Association of Shareware * * Professionals (ASP). ASP wants to make sure that the shareware * * principal works for you. If you are unable to resolve a shareware * * related problem with an ASP member by contacting the member directly, * * ASP may be able to help. The ASP Ombudsman can help you resolve a * * dispute or problem with an ASP member, but does not provide technical * * support for members' products. Please write to the ASP Ombudsman at * * 545 Grover Road, Muskegon, MI 49442 or send a CompuServe message via * * CompuServe Mail to ASP Ombudsman 70007.3536. * **************************************************************************