This page contains answers to commonly asked questions, along with
some tips and tricks that you may find useful. The answers are presented as
responses to questions.
- What are the system requirements to run FINCALC ?
- What does FINCALC do ?
- How can I order a copy of FINCALC ?
- What is the current version of FINCALC ?
- Why should I buy FINCALC?
- Why should I buy FINCALC over competing products?
- How long will it take to get the registered version once I place an order
using your web form?
- Once I purchase your software will I be entitled to discounts on upgrades?
- Does FINCALC come with any specific warranties?
- What happens after my evaluation period expires?
- What will I get with the registered version of your software?
- Does FINCALC allow me to print an amortization schedule based on a
calendar year?
- Does FINCALC allow me to back into the APR calculation if I know the
finance charge?
- Can FINCALC tell me how long my retirement money will last given a
starting balance, a specified interest rate and a recurring withdrawal amount?
- Can FINCALC tell me how much money I will have at the end of a 20 year
period given a starting balance, APR, recurring deposit amount, and some cycle for
interest compounding?
- Can Fincalc help me determine the profitability of my investments?
- What type of operating systems run FINCALC?
- Does FINCALC allow me to print the screen when doing an investment or
retirement planning calculation?
- Why should I buy Fincalc to track my investment results when my
investment broker does this for me?
- Why does FINCALC offer fields for both a loan origination fee amount and
a loan origination fee percent on the data entry screen?
- Does FINCALC offer a way to compute loan factors when the loan fees are
deducted from the loan proceeds?
- What is the purpose of the disability and life insurance rate fields on
the loan input screens?
- Can I do cost comparisons on several loans at once to find the lowest
alternative?
- Does FINCALC handle loan payoff calculations?
Version 6.0
Windows 95, Windows 98, Windows NT, Windows ME, Windows 2000, Windows XP, PKZIP/UNZIP
(if you don't have PKWare's PKZip for Windows click on
the hyperlink and download the free trial version), 32MB RAM, 79.3MB Free Disk Space,
Pentium Pro processor or faster. Version 6.0 is not compatible with Windows versions
prior to Windows 95.
Version 5.0
Windows 95, Windows 98, or Windows NT, PKZIP/UNZIP (if you don't have PKWare's PKZip for Windows click on the hyperlink and download
their shareware version), 16MB RAM, 25.2MB Free Disk Space, Pentium Pro processor or
faster. Version 5.0 is not 100% compatible with Windows 2000, or Windows XP.
"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".
FINCALC is shareware and if you find the program useful, please send $30.00 plus $3.00
shipping and handling. The user is granted a limited license to evaluate the
program. If you wish to continue using the program, please register it by
completing the registration form (it can be printed from the HELP menu by selecting the
registration form item). If you are upgrading from a prior version of FINCALC you
can get a 50% discount. This means the upgrade price is $15.00, plus the $3.00
shipping and handling for a total of $18.00. Please supply the serial number from the
diskettes previously distributed to you to receive this credit. New users need
to send the completed form with the $30.00 fee (plus $3.00 S/H) to:
Joe Piedimonte
3609 S. 10th Street Ct.
Blue Springs, Missouri 64015
Use our online order form and when we receive your check or
money order at the address above, our product will be shipped to you immediately. If
you would like to purchase using a credit card, please go to FINCALC 6.0 RegNet's online registration page.
After your credit card is approved FINCALC will be shipped within 3 to 4 days.
You can order by phone at 1-800-999-2734 and use FINCALC's RegNet ID of 14005
for version 6.0 to place an order. Use this RegNet online registration page for
version 5.0 and use FINCALC'S RegNet ID of 10793 to order by phone.
FINCALC version 6.0 is the current version and many new enhancements have been added.
To see this list of changes, visit the What's New page for all
the details.
Anyone involved in analyzing, acquiring, or recommending investments or lending
instruments can benefit from using FINCALC. It makes no difference whether you are a
business, or an individual you can still benefit from using FINCALC. FINCALC has
been sold to individuals who are planning for retirement, or who need annual mortgage loan
interest figures for tax information, or who need to know which mortgage loan, car loan,
educational loan, etc., offers the best deal. If you are buying a house, car, etc., you
need to know the loan terms that are equivalent to the lowest interest charges and loan
costs. Using FINCALC's effective APR calculation, you can make an intelligent comparison
with differing loan terms and differing financial organizations. Armed with this
information, you can determine a loan package that yields the lowest overall cost to you.
The REG-Z effective APR calculation considers loan charges, fees, insurance, taxes,
downpayment, etc.
FINCALC has been sold to gift shops, lawyers, bankers, insurance agents, real
estate agents, finance companies, car dealers, and retailing companies to name a few.
Those in the retailing business have found FINCALC's business transactions helpful.
FINCALC allows you to quickly determine the price considering a markup percent, or the
markup percent considering a cost and retail price. Almost any business owner that is
involved in some form of retailing will benefit from the business calculations offered by
FINCALC.
If own stock or mutual fund investments, FINCALC 6.0's investment tracking module
is just the thing for you. FINCALC's Investment Tracker helps you manage and determine
profitability on all stocks and funds you own. The amount of money a fund actually makes
is extremely difficult to determine after a period of time. This is because the actual
cost of a transaction cannot be easily remembered after a deluge of buying and selling
activity occurs. Only through FINCALC, can you track the cost of each transaction and use
the historical information to determine true profitability. FINCALC takes all the
guesswork out of figuring the yield and profitability of a fund, by providing a composite
up-to-date yield analysis. FINCALC helps you manage your investments better by
helping you know when a fund becomes profitable and when to buy, sell, reinvest, etc.
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No one else offers the total package that FINCALC does. Yes, there are other financial
calculators, but the loan computations do not compare with the number of the loan
variables that FINCALC handles. Other financial calculators could offer retirement
planning as an example, but will not offer future value and present value annuities,
loan calculations, loan amortization's, business calculations and investment yield
tracking all in one package for a reasonable price. FINCALC offers the best value
for your money and has been improved by the input from hundreds of users.
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The answer depends on you. I will not fill an order from the webpage until the correct
amount of money has been received by check at my specified address. Money orders are
acceptable also. Once I have this in my possession, I will mail the software in
about 3 to 4 days. You can also print a registration form inside the FINCALC demo and mail
that with your payment if you prefer. If you would like to purchase using a credit
card, please go to the FINCALC 6.0 RegNet's online registration page.
After your credit card is approved FINCALC is available for immediate download. You
can order by phone at 1-800-999-2734 and use the FINCALC 6.0 RegNet ID of 14005 to
place an order if you prefer.
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Yes, and bug fixes are free. FINCALC 6.0 is being offered at an upgrade fee that is 50%
off the normal price. This means you must still pay the $3.00 shipping and handling
charge, but the upgrade price is only $15.00. You can upgrade to either version for a
total of $18.00. A new purchase is $33.00.
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You have a fully functional demo version that can be used for a period of 30 days, or
30 different times whichever comes first. This evaluation period should be long
enough to determine if a problem exists that prohibits you from getting the intended
value. No, I do not make any warranties either expressed, or implied. What you
see is what you get. I will fix bugs and continue to improve the software as a
matter of good business practice. If you have a problem, please use the online bug
report form at this web location. I guarantee I will fix every problem, but it may
not be immediately.
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The software becomes unusable. When you try to run the program only the registration
form will appear. At this point, you can print the form and use it to register the
software. If you tamper with the contents of the software this will cause the
evaluation period to expire immediately.
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A fully functional product mailed on diskette that eliminates nag screens and messages
about your unlicensed copy of the software. You will also receive a registration number,
or serial number, that entitles you to discounts on future upgrades and priority support.
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Yes,
version 4.0 and above has this added feature.
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Yes, this was a new feature added in
version 4.0 and above.
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Yes, this is a
new feature in version 4.0 and above.
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Yes, this is a new feature in version 4.0 and above.
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Version 6.0 offers an investment tracker subsystem that tracks the historical cost of
each transaction which will give you the gain-lost dollars and percent through an
on-screen inquiry.
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Version 5.0 has been certified on Windows 95, 98, NT 4.0, and NT 5.0. Some
known incompatibilities exist with Windows 2000 and Windows XP. Version 6.0 has
been certified on Windows 95, 98, NT, ME, 2000, and XP.
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This feature was added in version 4.0 for all business and investment calculations.
Version 5.0 and above offers a graphical snapshot on all functions in the software.
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FINCALC 6.0 gives a composite picture of all investments with multiple brokers in
seconds. If you have an investment portfolio with different companies, Fincalc
provides a way to see the total overall yeild considering multiple companies. Also,
the what-if calculations for investment forecasting are an added benefit.
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It is optional as to which if any you decide to use. If both fields are entered,
FINCALC computes and adds the two amounts together to determine the total loan origination
fee.
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Currently, FINCALC considers loan fees and charges as being financed in the loan amount
and adjusts the scheduled payment accordingly. You can always change the loan amount and
subtract loan charges if you are looking for an alternate method.
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These fields are used when an insurance rate calculation based on the outstanding loan
balance for a specified term is required. This feature is used by Credit Unions who
figure loan payments and amortization's on this type of insurance. These input
fields can be ignored.
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Yes, version 5.0 and above supports this feature.
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Yes, version 5.0 and above supports this feature and considers the 7 different interest
methods for computing interest.
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