ACE103.ZIP Annuity Ace v1.03 Now project your savings as never before! Professional illustrations for deferred, immediate and split annuities (Savings, IRA, 401K, etc). Flexible with variable deposits, withdraw- als, interest rates, and compound methods. Tax analysis, COLA, Loads, Inflation Factoring and more. Detail is monthly - annual, calendar or fiscal, whole dollars or cents, cumulative or non-cumulative. APRCAL14.ZIP APRCALC.EXE v1.4 - Calculates loan variables, prints amortization tables, and allows you to save scenarios in files. Features: very fast amortizations, prepayment to principal, complete Help file, discount points breakeven analysis, multiple instances for side-by-side comparisons, export to ascii file. Shareware from Larry Leonard, $15. AUPAY23A.ZIP AUSTRAPAY Australian Payroll (Disk 1 of 2) Handles multiple companies, departments, cost centres, super plans, allowances and deductions. Five pay rates, each with 9 overtime rates per employee. Calculates tax by percent or formula. Comprehensive reports. Registration from $150. AUPAY23B.ZIP AUSTRAPAY Australian Payroll (Disk 2 of 2) AUTOLEAS.ZIP AUTO LEASE/BUY DECISION MAKER DEMO - (02/95) Before you make a decision to lease or purchase any vehicle, you'll want Auto Lease/ Buy Decision Maker. Learn how leasing/ purchasing affects your cash flow in the short and long term. See the "hidden" interest rate built into your lease. Graph lease/buy implications, print comprehensive reports, and more. A special critique feature makes a lease/buy recommendation based on your specific goals and needs. BANK25.ZIP Bank Investor (ver 2.5) - home accounting program. See README.1ST file for description BESTPRC1.ZIP Best Price: Electronic Book For New Car Buyers. V01. BINMRKT.ZIP Binomial Market Model for options traders CARBS20.ZIP Car B/S 2.0 Text files and programs re buying and selling your car. Get prepared! CBPLUS59.ZIP CHECKBOOK PLUS v5.7 Full-featured cash management and budgeting system that helps you master your financial affairs. Handles multiple accounts, account reconciliation, and memorized transactions. Print checks, customized income statement and cash flow reports, and check register. Features pull-down menus, on-line help, mouse support, pop-up calendar, math and financial calculators, and much more CCMATH11.ZIP Credit Card Math v1.1 Learn why it takes so long to pay off credit cards. Find out how to save thousands of dollars in credit card interest. Discover the clever scheme used by credit card issuers to keep your monthly payments low. Credit Card Math goes behind the scenes and uncovers the true hidden cost associated with credit cards. This program helps people save money. Please pass it on. CGZ40.ZIP Capital Gainz v4.0 - Investment portfolio manager. Ideal for dollar-cost averaging. Record purchases, sales, dividends, capital gains, splits. Multiple portfolios. Calculate performance and total return. Print reports for one or more portfolios/securities, over range of dates. Generate tax forms. Reinvest dividends. Execute sales using FIFO, LIFO, max gain, max loss, specific ID, avg cost. CHF111.ZIP Loan Chief v1.11 Loan calculating has never been this easy! Professional schedules with a multitude of options: Weekly - Annual, variable rates, loan acceleration, tax analysis, variable payments, cumulative/non- cumulative, variable compound methods and much more! Produces LOAN CHARTS, a new and novel concept in loan processing. Save and retrieve info. Solve for values. CHXMST70.ZIP Check/Financial/Budget/Business Management. Chex-Master prints checks, reconciles your account, produces summary statements by user assigned codes, provides Budget Tracking, and check searches. Included are Single Entry Bookkeeping and Invoice Generation Modules. It uses Pull-Down Menus and a Setup System for configuration. File Structure is DBase III. User's Manual can be printed or viewed On-Line. CJPOS509.ZIP CJPOS is a complete point-of-sale program for small businesses. This EXTREMELY easy-to-use program will write invoices or estimates, track inventory and salespersons, perform sales analysis for any period, GST ready and keep a customer database. A powerful program. COMPLETE NEW REVISION FOR '95. CM14.ZIP Checkmate 1.4 - nice checkbook program ! CRDRG10.ZIP A Credit repair guide for home-buyers Fantastic guide that will show you how to repair and rebuild your credit,learn where to get the best deals on a visa or mastercard purchase a home with the least amount of money. setup a portfolio for your golden years learn all about the Resolution Trust Corporation,a company desighned & setup to sell off all the real-estate the government acquired from the failed savings & loans.And much more! ECON2.ZIP ECON 2.0: Stock Market Forecasting Econometric models of S&P 500, T Bond and T Bill interest rates, inflation, and gold. Enter 9 numbers monthly to get statistically optimized forecasts for 3, 6, and 12 months ahead. Asset Allocation lists four optimal portfolios low to high risk; plus futures and options. 39% per year is possible. Menus, help, & graphs. DOS 3.3 up, 640K memory, hard disk needed. $49.95 shareware for IBM-P ECON2A.ZIP ECON 2.0: Stock Market Forecasting Econometric models of S&P 500, T Bond and T Bill interest rates, inflation, and gold. Enter 9 numbers monthly to get statistically optimized forecasts for 3, 6, and 12 months ahead. Asset Allocation lists four optimal portfolios low to high risk; plus futures and options. 39% per year is possible. Menus, help, & graphs. DOS 3.3 up, 640K memory, hard disk needed. $49.95 shareware for IBM-P EZKIT20.ZIP E-Z Credit Kit 2.0 Menu driven credit counseling software for DOS. FED_BUDG.ZIP Canadian Federal Budget - 1995 All information retrieved from Finance Canada gopher site. Contains the full text of the budget, a brief of the budget, a budget factsheet and a chart (GIF format). FFBCRD.ZIP Financial Freedom Business Cards v1.10 Create business and rolodex cards and print them on your printer. Features a drag and drop interface to place lines, text, pictures and rectangles on your layouts. Use all of your fonts and bitmaps! Links to Paintbrush for editing/creating image files. Supports all laser-compatible printers. Create coupons, appointment reminders, tickets, anything! FUND25.ZIP Fund Investor (ver 2.5) - portfolio manager. For description see README.1ST file FUNDMN72.ZIP FundManager v7.2: Portfolio tracking software, especially for mutual funds. Can import Quicken transaction and price data FUNDS12.ZIP MUTUAL FUND TRACKING SYSTEM . . . Ver 1.2 This system allows you to build a data file containing all of the info on your funds. You can enter original purchases, additional purchases, complete sells, partial sells, and reinvested dividends. The system prints a report showing the From Inception and YTD profit and loss for each fund, along with the IRS cost basis for each fund. There are 15 options to make this a "turnkey" system. LMANIA.ZIP Door Game Based on the ever popular Game Show Wheel of Fortune, but slightly Different approach to scoring. UnRegistered Version Can Access 300 Different Puzzles. SysOp can Create and Add to existing Puzzle Files. Users are encourged to upload their Puzzle files for other Sysop's to Use. DesqView aware. Non-Standard Comm. ports supported. Generates All Time High and Top Ten Score Bulletins after each game. Easy setup via LMUTIL. No Maintance is Required. Supports most major BBS Drop file types, including TRIBBS, PCBoard, Door.sys, Spitfire and others. Shareware. Uploaded by WRM Systems LOAN210.ZIP HOME LOAN DIARY 2.10 - Mortgage diary. Calculates how much you can save by paying a loan off early. Like a Lotus spreadsheet yet this is a complete program, not a macro. Scrollable! Additional principal payments and notes can be entered and saved to disk. Print outs & calculator available. Simple to use! Records monthly escrow payments also. LOTUS94.ZIP Lotus 1-2-3 1994 Tax Templates. Tax templates for Lotus 1-2-3 to calculate your 1994 tax forms. LTBDOS20.ZIP LENDER'S TOOLBOX 2.0 (DOS): Essential tools for lenders OR borrowers. Use the Loan Calculator for 'what if' scenarios. Amortize with normal P&I or fixed principal payments on a bi-weekly*, semi- monthly*, monthly, quarterly, semi-annual, or annual basis using 30 day months or exact days* between dates. Easy to use with on-line help. Version 2.0, with many new [*] features and user customizable defaults. LWMD32.ZIP LIFETIME WEALTH MANAGEMENT v3.2 A comprehensive personal financial program. Provides calculations, projections, graphs for Saving, Investing, Retirement, Net Worth Mortgages, Loans, Stocks and Mutual Funds. Portfolio management system records, tracks and graphs your investment performance. Everyone can use this program covering all stages of your financial life. Excellent On- Line Help. For DOS. Rated: MBNK16.ZIP Money & Banks v1.6 - RCCO Research. Personal Banking Manager with attractive DOS interface. Personal, professional or business banking. Pop-up calculator, calendar, scheduler; printing on regular checks; reports & labels; credit cards, securities; mouse support. REVIEWERS: 5-stars" "Best program of its kind! MFTRA36D.ZIP The Mutual Fund Tracker, Version 3.6d, works using technical analysis and a Mutual Fund Composite Average, in conjunction with other key indices, to determine when to get into and out of mutual funds. You can define and look at different "what if" results based on your criteria. Features easy to understand documentation; graphs; reports; select TREND or BUY, SELL, and HOLD signals; writes graph pictures to disk; auto-update; plus more. MKTMAS50.ZIP Market Master 5.0 MOCOST50.ZIP MortCost v5.0: compares the TOTAL costs of different mortgages, calculates loan costs for "flexible" mortgages, estimates how much tax benefit is provided by a mortgage, MORE MRT203.ZIP The Mortgage Analyzer v2.03 contains options for amortization schedules, loan qualification, refinancing, mortgage accel- eration, side by side mortgage comparisons, Buy vs. Rent, Lease vs. Sell, and mortgage related calculators. Tax Analysis, Daily Interest, Points, etc. Save and retrieve multiple clients. Fixed, Stepped, ARM. Calculates Mortgage Insurance, FHA MIP, VA Funding Fees. Caps & Margins for ARMs. MORE! MUFUND12.ZIP MUTUAL FUND TRACKING SYSTEM . . . Ver 1.2 This system allows you to build a data file containg all of the info on your funds. You can enter original purchases, additional purchases, complete sells, partial sells, and reinvested dividends. The system prints a report showing the From Inception and YTD profit and loss for each fund, along with the IRS cost basis for each fund. There are 15 options to make this a "turnkey" system. MYM3CHP.ZIP MYM Version 11 Chapter 3 update from MECA. This update corrects the Checkfree problem that exists with the original version of Chapter 3 when the middle digit of a merchant's area code is not 1 or 0. OPPL30.ZIP OWL Portfolio Price Loader 3.0. Automatically updates OWL Personal Portfolio Manager (OPPM) prices with downloaded quotes from Compuserve, AOL, Prodigy, Dow Jones, GEnie, Internet, FarPoint BBS and Just Data (Australian Stock Market Data). V3 lets user's define their own formats to import any delimited or tabular data from other sources. Requires: OPPM V4 or above. QTAX109.ZIP QUICKTAX V1.09 Tax planner, estimator, tracker, checker.- Plan taxes to get the most from deductions, credits, IRAs, savings plans, pensions, social security, capital gains, dividends, interest. Finds filing status and requirements, dependencies, withholding allowances, estimated tax. Finances BATES ENGINEERING/SOFTWARE QTE94S.ZIP Quick estimate for 94 tax liability. RMS10.ZIP RETIREMENT MODELING SYSTEM . . . Ver 1.0 Computes the future value of current assets for up to 40 years into the future and prints a report by year, showing those future values, your new invested amounts, withdrawals, how much your net worth grew, 1099 taxes due, your budget, and the cost of living percentage. You can add, delete, and modify records in multiple files. There are 15 options to make this a "turnkey" system. SCUTIL11.ZIP SECURITY CONVERSION UTILITY 1.1 Convert stock data from popular file formats such as Prodigy, CompuServe, America Online, and Quicken. Special support is provided for the Security Information File used by Wall Street Simulator. This utility makes updating of market prices easy. Registration is $5. Shareware by Larax Software. Registration brings a $5 credit towards the registration of any other Larax Software package. SIMPAY95.ZIP SIMPLE PAYROLL CALCULATOR and record keeper. 1995 version. For use by individual or a small buisiness. Calculates Federal with-holding, Social Security, medicare, and Advanced Earned Income Credit. Keeps records available for daily, quarterly, monthly or ytd reports. By: J. Klement Emerald Coast BBS Panama City Beach, Fl : (904)231-1898 SOCSEC10.ZIP SOCSEC v1.00 DOS based, Simple, easy to use retirement decision program. All available functions documented in the program screens - visible at all times. T4LITE_M.ZIP * * T4 TIMESAVER LIGHT v. 1994.01l * * Complete T4/T4A/T5 preparation package including - Discrepancy reports on CPP/QPP/UI over/under payments - Laser facsimile forms - Diskette submission of returns - Superior fault tolerance and data integrity maintenance - Bilingual technical support - Relev 1 and Relev 3 support for Qu bec users. This is the 'LIGHT' version of the very popular T4 TIMESAVER which has been sold to over 900 clients Canada wide. It is supplied by ELM Computer Systems Inc. of Willowdale FREE for you to use for the 1994 taxation year, they ask only that you call them for an authorization number. You will receive an update notice in the fall TRACUT26.ZIP The Tracker Utilities -- The Wall Street and Mutual Fund Tracker companion programs. The Graph Tracker, featured in this package, has a point and shoot menu system that will run the programs and return you to a Master Menu Command Center. You can view and sort graph pictures saved by the programs allowing you to review years and years of graphed data any time you want. Other Tracker Utility programs are included for your convenience. USW4.ZIP Electronic form w-4 for windows just in time for 94 tax. WALST71C.ZIP The Wall Street Tracker, Version 7.1c, works using technical analysis and market momentum to determine when to buy or sell stocks. It analyzes key indices and also compares three moving averages, against each other, and the current price. You can define the moving averages and compare "what if" results based on your investment objective. Features auto data update via many online services; great documentation; graphs; reports; plus more. WBD42B.ZIP WINBOND V4.2b is a WINDOWS application to track and valuate Series EE bonds. Winbond-E for Series E bonds is now available. Provides import capabilities to convert from other files, export tool to interface to other applications. NEW 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 NOV 1994. (Requires VBRUN300.DLL file.) WMSD83.ZIP WEALTH MANAGEMENT SYSTEM v8.3 Comprehensive financial program with graphs. Provides calculations and projections for Saving, Investing, Retirement, Net Worth, Mortgages, Loans, Stocks and Mutual Funds. Portfolio management system tracks and graphs your investment performance. Everyone can use this program covering all stages of your financial life. Excellent On-Line Help. For Windows 3.x Rated: WSFNGR15.ZIP WsFinger Client v1.5 Shareware by Tidewater Y9411338.ZIP 1040 schedule d from irs use adobe type read. ZILCH118.ZIP ZILCH v1.18 - Personal Finance Software Save thousands of dollars in credit card interest penalties. You enter the name, APR payment & balance and ZILCH does the rest. Easy to read payment schedule forecasts when each debt will be paid off. Shows who to pay, when to pay & how much to pay. Sample files let you instantly see ZILCH in action!