THE ANNUITY ACE (C) 1993-95 Version 1.03, March 7, 1995 Suggested BBS name, this version: ACE103.ZIP 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 ÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍ To Start: A>ACE (then press key) ÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍÍ The Annuity Ace Lite - Program Overview The Annuity Ace is a financial software program designed with ease and flexibility in mind. It comes complete with a variety of financial tools for calculating Deferred, Immediate and Split Annuities. It also contains Calculators for solving for missing values. Each financial tool contains a variety of options to allow maximum flexibility. The Deferred Annuity tool allows variable deposit modes, deposits, withdrawals, interest rates and compounding methods with or without loads. Professional reports can be generated with varying detail. Special options are available to illustrate the time value of compounding, the impact of taxes on savings, the effect of loads, the effect of inflation, the effect of obtaining higher interest rate, and the ability to illustrate what is required to accumulate a target sum of money by a target age. The Immediate Annuity tool allows variable payout modes and compounding methods. Professional schedules are produced. A Split Annuity option is available that produces both a professional schedule and chart. Illustrations can be viewed on the screen or sent to a printer or a file. The Annuity Ace is a menu driven program that also contains an on-line manual and individual help for each input to allow the user to easily navigate and understand the program. Information can be saved and retrieved. The Annuity Ace provides several miscellaneous configuration options for setting the program up to your individual liking. The Annuity Ace Lite - Program Features Deferred Annuities Immediate Annuities General Features (Savings, CDs, IRAs) ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ- Payout Methods On-line Manual Deposit Modes Weekly Easy Menu Driven Weekly, Bi-Weekly Help For Each Field Bi-Weekly, Semi-Monthly Choose Own Colors Semi-Monthly, Monthly Illustrations Monthly, Quarterly View Quarterly, Semi-Annual Print to Printer Semi-Annual Annual Print to File Annual Compound Methods Variable Deposits, Daily (360 or 365) Withdrawals & Monthly Interest Rates Quarterly Monthly Semi-Annual Quarterly Annual Semi-Annual Special Options Annual Split Annuity COLA Compound Methods Other Features Daily (360 or 365) ÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄÄ Monthly Printing Quarterly 6 or 8 lines per inch Semi-Annual Top Margin Adjustment Annual Left Margin Adjustment Loads Auto Condensed Print Initial Deposit Use IBM Graphic Char Periodic Deposit Save & Retrieve Report Detail Calculators Monthly 4 function calculator Quarterly Future/Present Value Semi-Annual Amortization Annual Calendar or Fiscal Whole Dollars or Cents Cumulative or Not Cum. 18 Date Formats Special Options Tax Sheltered Waiting Before Saving No Load vs. Load Inflation Adjusted Accumulate to Age Cost of Interest The Annuity Ace Professional The following is a list of features found in the "Professional" version of the Annuity Ace which are not found in the "Lite" version. * Contains the ability to add a client name to the illustration. * Contains the ability to add an agent name to the illustration. * Contains the ability to add 3 permanent header lines and 3 permanent footer lines. These can be used for company name, address, phone number or anything. * Contains the ability to add additional footnotes to appear on all pages or just on the last page of an illustration. * Contains the ability to turn bolding on or off for illustration totals, headers and footers. * Contains an enhanced filing system where information can be saved for each client. * Contains the ability to set defaults for the illustration printing options. These include the "Print Destination", "Illustration Detail", "Yearly Basis", "Cumulative Values", "Cumulative Totals", "Dollar Values", "Date Format" and "Sequence Column". Your preferred setting of these options can be set and will be saved so that these options are the default options every time that the program is run. * Contains the ability to specify the location (DOS PATH) for the support files which include the Printer Definition File, On-Line Manual and Saved Client Information. * Contains the ability to turn sound effects on or off. * Contains the ability to bypass the opening logo screen when run. * Contains the option to clear fields upon first keystroke in a field. * Comes with a printed user's manual. 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 Annuity Ace can be registered with Insight Software Solutions with a check, money order, VISA or MasterCard in the amount of $15.00 U.S. for the "Lite" version or $25.00 U.S. for the "Professional" version plus shipping and handling. Please refer to the address and phone numbers listed above. Upon receipt, you will be sent the latest version of The Annuity Ace. (The professional version includes 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 numbers 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 57600.