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Retirement Planner will help you list your expenses, assets and investments to project your financial needs now through the remainder of your career and into retirement. The program uses simple worksheets for input, allowing you to enter personal data, investment data, assets, income and expenses.
The program automatically compensates for the time value of money, the calculations are internal to the program so you as a user don't need to fill sheet after sheet with complex calculations.
The graphical output projects your net worth on a monthly basis from now to the end of your retirement. The graph is adjusted for all you monthly living expenses, the return on your investments and inflation as well as income taxes and social security payments.
Another graph shows future income vs expenses over the same period of time, revealing any periods where expenses outstrip income, leaving you vulnerable.
The program allows each scenario to be saved to a named file, you can easily develop multiple scenarios and compare the results. You can print the data and graphs for each scenario.
The on-line users manual contains complete, screen by screen instructions on how to use the program as well as an overview of the retirement planning process.
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You are required to build and maintain a city. You must feed, house, provide jobs and goods for your residents. You can build a sustainable economy with the help of renewable energy and recycling, or you can go for broke and build rockets to escape from a pollution ridden and resource starved planet, it's up to you. Due to the finite resources available in any one place, this is not a game that you can leave for long periods of time.
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Personal Finance Calculators which provide quick answers to your financial questions in the privacy of your own home or office. Future Value of an Investment provides an amount specifying the future value based on periodic, fixed payments and a fixed interest rate. Payments determine the total payment, total interest payment, and a breakdown of payments for a given period of an annuity based on periodic, fixed payments and a fixed interest rate. Three methods of Depreciation are offered, the double-declining balance method, the straight-line method, and the sum-of-years digits method. Interest Rate determines the interest rate per period for an annuity. Internal Rate of Return determines the interest rate received for an investment consisting of payments and receipts that occur at regular intervals, or financed at different rates.
FinancialPak features complete resolution independence so you can work in 640x480, 800x600, 1024x768 or any resolution you desire. FinancialPaks color independence reflects the appearance of your desktop.
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HostMonitor is an award-winning system management tool that continuously monitors servers availability and performance.
It can monitor any TCP service, ping a host, retrieve an URL, check the available disk space, check integrity of your files and web site, test your SQL server, and much more (55 test methods!).
It checks network servers at regular intervals and takes pre-defined actions if a device does not respond. It can provide a visual and sound warning, send an E-mail message to a mailbox, pager or mobile phone, execute external programs, restart services, etc (25 alert methods!).
HostMonitor can generate test result log files and reports. HostMonitor provides different log file detail levels and log file formats and can be configured to suit your needs.
The program includes a Log Analyzer which can illustrate separate information for each tested host, collect statistical information and show graphs of all request times for specific time periods for all or individual servers.
Package also includes HML Manager, Web Service, Telnet Service, Remote Monitoring Agents for Windows, Linux, FreeBSD and Solaris, other utilities.
Advanced Host Monitor package is available in several licensing options: Lite ($99), Standard ($150), Professional ($250), Enterprise ($350) and Enterprise With Lifetime Updates ($699).
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Loan Advisor is a powerful yet easy to use program that allows you to calculate, analyze and optimize your loan.
One of Loan Advisor's most useful features is the ability to demonstrate the effect of additional payments on your loan. By using this feature you can learn how to pay off your loan sooner and save money at the same time.
Loan Advisor also provides a detailed schedule of your loan over time. This allows you to see how each payment you make will affect your loan. You can see how much of each payment actually goes towards reducing capital and how much is just paying off interest.
The residual value calculator allows you to see the effects of leaving a residual value when paying back a loan. You just enter your loan details and you can then calculate the monthly payment required to leave a specified residual value. Alternatively you can calculate the residual value for any given monthly payment.
You can also perform "What If?" calculations on your loan. This means that you can calculate the loan amount, interest rate, period or repayment. Loan Advisor also includes a graph showing the breakdown in cost of your loan, and a loan grid showing interest rates and amounts around your loan so you can see the difference in loan payments.
Loan Advisor supports 8 different payment and compounding periods and can handle mortgage's paid in both arrears and advance.
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Mortgage Advisor is a powerful yet easy to use program that allows you to calculate, analyze and optimize your mortgage.
One of Mortgage Advisor's most useful features is the ability to demonstrate the effect of additional payments on your mortgage. By using this feature you can learn how to pay off your mortgage sooner and save money at the same time.
Mortgage Advisor also provides a detailed schedule of your mortgage over time. This allows you to see how each payment you make will affect your mortgage. You can see how much of each payment actually goes towards reducing capital and how much is just paying off interest.
You can also perform "What If?" calculations on your mortgage. This means that you can calculate the mortgage amount, interest rate, period or repayment. Mortgage Advisor also includes a graph showing the breakdown in cost of your mortgage, and a mortgage grid showing interest rates and amounts around your mortgage so you can see the difference in mortgage payments.
Mortgage Advisor supports 8 different payment and compounding periods and can handle mortgage's paid in both arrears and advance.
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View art from one of the great periods in art history. This screen saver displays works by Caravaggio, Annibale Carracci, Gianlorenzo Bernini, Rubens, Rembrandt, Vel½zquez, Vermeer, and many others.
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Bio-Rhythms calculates the high, low and critical periods of your emotional, intellectual and physical cycles with an optional master cycle to give you an indepth look at what's in store for you.
Enter your name and birthday into the birthday database, click on Bio-Charts and you're on your way to an exciting world of self-discovery through bio-rhythms. Easily see when you're at your peak or when you need to take extra care. Check when the best time would be for that dentist's appointment or your son or daughter's wedding. Don't worry about going too far into the future: Bio-Rhythms can display 97 years worth of cycles on your screen at one time, and you can page through them conveniently week by week.
Find out on what day of the week you were born, how many days it's been since you were born. Then click on the astrological sign to gain even more information about yourself. When you're through discovering your own potential, use the program to see if that someone special you met by the water cooler, is all they appear to be.
Bio-charts can be displayed as bar, line or point charts and come with approx. 200 user-defined options, from line color, shading, title fonts to your favorite graphic being used as bio-chart wallpaper. Once you've finished your masterpiece, easily export it to the clipboard or a file to add finishing touches in your favorite graphics program. Bio-Rhythms also supports color printers with an extensive print preview and printing system.
For those who want to take bio-rhythms to a deeper level, Bio-Rhythms also comes with an extensive notes system, where you can add your own interpretations for each name in your database.
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The program of "Words" allows you to learn new words while working (without interrupting your work). You can choose the topics to study. You can add any words you need. It has comfortable interface, it can be easily configured according to your wishes. In certain intervals you will be asked to translate several words ( the duration of the periods and the number of the words you may set on your own). The choice of words is not arbitrary but based on the statistics if your mistakes: the more mistakes you make in the word the more often it is displayed. You can make the answer in two ways: either choosing the correct answers among others (i.e. multiple choice) or typing it on your own.
Registered users can download additional dictionaries.
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Auto Maintenance 101 covers easy-to-follow basics and tips on what makes a vehicle tick, and the how-tos of simple, hands-on preventative maintenance. For jobs such replacing a water pump, head gasket, radiator, fuel injectors, brakes, troubleshooting the electrics (or in earlier cars - ignition systems points, rotor and condenser), technical manuals are readily available. What you will find in this work are simplified, (need-to-know) working descriptions of vital systems common to most vehicles, those most often requiring attention and which anyone could deal with. Simple preventative maintenance does not require he skills of a certified mechanic or even a seasoned do-it yourself-er. You will find clear descriptions of how to keep these systems up to snuff to prevent the heavy repair costs of major surgery, - and so typically, at the worst possible time. More owners today are holding on to their vehicles for longer periods - 8.4 years on average. As well, the number of those opting to do their own basic maintenance is increasing. As vehicles electronic controls become increasingly more sophisticated, impending troubleshooting can become relatively more elusive, so regular maintenance has become ever more crucial. As Peter Richardson of the CAA says, 'Ignore that same vehicle and repair costs can make a new model look like a gift.'
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