In keeping with our March bean counter edition of the PC Alamode,
I have listed a number of appropriate freeware and shareware programs for
An interesting stock screening tool for active traders is SMatrix
(one of the TOOLS introduced by OSTL). It is a simple, small, yet
very powerful Intraday Realtime screener. (Updates on a real-time basis
during the intraday session.) The application takes full advantage of Intraday
Screener @ CBSMarketWatch and your Yahoo! Finance Page as information sources.
Yes, the unique feature of SMatrix is that it uses free resources around
the net, so you don't have to subscribe to anything like quote services
with a monthly cost unlike the other screening tools. SMatrix has an unusual
volume detective engine which can be combined with ANY screening criteria
of CBS Marketwatch Screener. You can download
a trial version .
Another freebie is Gold Calculator Lite. It computes Gold,
in Kilos, Oz, Dwt, grams, and grains. Saves all calculations to file and
will print. Just enter Gold Spot or Market Price and Gold Calculator Lite
will do the rest. No system requirements. Small footprint only 180 KB.
Uses virtually No system resources. Stand alone .exe application, No setup
or install, Uninstaller not required. Itís freeware. There is a big difference
between this Freeware version and full version of Gold Calculator. Five
star award at File Hungry. Four star award at File Transit. Download
this interesting program.
CalcExpress for Windows 98, ME, Win2000, XP might interest you.
Hereís how it works: You specify icons in the tray and the mathematical
expressions you want to calculate when you click on one of them. CalcExpress
creates a simple dialog which asks you for the actual parameters and computes
a result. You can assign more than one expression to the tray icon. Then
a menu is displayed each time you click on the icon. You can get
it at SoftwareMeister.
It is a nice piece of shareware for $15.
MoneyTime is a financial calculator for loans, investments, amortization
schedules, and other calculations involving compound interest. Simply enter
the known variables, then click for the solution. MoneyTime can solve for
present value, future value, periodic payment or deposit, number of periods
and interest rates. MoneyTime can create amortization schedules which may
be viewed on screen, printed or saved to a file. It also provides a review
screen where different financial what-if scenarios/calculations can be
recalled, compared, printed or saved to a file. The software includes a
comprehensive user's guide with many examples. This update features minor
enhancements to the amortization schedule options. Try it for free
and if you want to keep it, pay $40. Download
Another product by the above shareware vendor is My Funds 2.0.
It is a program for keeping track of transactions and balances for checking
and savings accounts. Balances provided include Real and Settled, with
the real balance reflecting all transactions and the settled balance reflecting
only settled transactions. Each transaction, such as check, deposit or
withdrawal, has a settled or not settled state indicated by a simple check
box. To balance an account with its statement, simply go to the fundís
transaction screen and check off each transaction which is settled according
to the statement, then compare the settled balance with the statement balance.
Some features of My Funds 2.0 include:
Track multiple accounts. My Funds can track several checking, savings and
money market accounts.
Balancing an account with respect to its statement is easy! Just check
off each settled transaction and compare the fund's settled balance with
the statement balance.
Entering one or more transactions is quick and easy.
Smart transactions, where a transaction such as a deposit is automatically
marked as a positive number, while a check or withdrawal is marked as a
negative number. This eliminates accidental entries, like a positive number
for a withdrawal, which can make balancing an account with its statement
a frustrating process.
Print a fund's transactions for a given date range.
Track both the Real balance (balance reflecting all transactions) and Settled
balance (balance reflecting only settled transactions).
Funds no longer active can be marked as inactive. An inactive fund's transactions
cannot be altered without marking the fund as active.
Useful tools such as a quick view calendar and launching of the Windows
calculator are included.
My Fund's Help includes a Getting Started section which has tips on how
to create a new fund and have it up-to-date with the latest statement.
If youíd like to try My Funds 2.0, get
it here . It, too, is $40 if you decide to register it.
Do you have a business and need to get a handle on your cash flow?
Try Cashflow Plan: It is useful for preparing detailed monthly cashflow
projections for cash planning, business plans, fundraising etc. for 12
months ahead. Includes facilities for rolling forward projections and sensitivity
analysis. For larger businesses with sales $2m+. Especially useful for
businesses in tight cash positions as it will help management to plan cash
requirements and improve control over cashflows and conserve their cash
resources. Based on user's assumptions, Cashflow Plan generates fully-integrated
projections (P&Ls, cashflows, balance sheets, ratio analyses etc.)
on a monthly basis for the year ahead. Running as an Excel template, Cashflow
Plan contains 150+ special menu options and buttons, 20+ performance reports,
dozens of graphed variables and thousands of formulae. Unique features
and facilities include On-line help covering over 130 topics, Word-based
manual, Error-trapping and worksheet protection, Quik-Plan for compiling
projections within minutes, expandable to almost any level of detail or
complexity, extensive ďwhat-ifĒ and sensitivity analysis, handles US/Canadian
and UK/International formats.
Cashflow Plan is aimed at non-financial managers and planning specialists
alike. It saves them the substantial effort required to develop their own
spreadsheet-based cashflow planners. As a result, more time can be spent
planning, refining assumptions, evaluating scenarios, etc. It is
shareware that has versions ranging from $39-$199. Download.
Do you need to calculate your finances? Then try Financial
Calculator. If you know and appreciate the KISS. concept (Keep
you'll probably like this program. It's not a competitor for the heavyweight
financial programs, but for the simple financial analysis it performs,
it does it fast and well. Get it from KissFC
for seven bucks.
Download a free
program that will analyze US, Canadian, UK, German, Australian, and other
stocks. Track unlimited real-time quotes and charts. Buy and sell signals
are displayed on the charts. Users may change all parameters of TA algorithms.
Now hereís an interesting product. Identify the true costs and profits
associated with your products and suppliers. This software is suitable
for all resale business operations regardless of size. It allows you to
build a complete product/supplier database with cost, profit, and sensitivity
analysis for each profile, each supplier and the Total Business. From this
you can critically compare suppliers and products to determine true profit
contributions. Itís $58, but can be tried for seven days before you pay.
Get it at BizPepOnline
Hereís some shareware that might help you count your money. Money
Math is a powerful collection of financial analysis tools in one small
package. No need for a different program for each calculation you want
to do. Money Math has 19 different dialog boxes that perform over 60 financial
calculations. Many of the features of Money Math are listed below: - Make
mortgage amortization schedules for your clients. - Calculate home and
auto payments before committing to a loan. - Determine the value of a CD
when it matures. - Find the yield to maturity and yield to call on bonds.
- Estimate the retirement income you will need. - Calculate the unknowns
associated with savings and leases. - Know when to re-finance or prepay
your mortgage. - Find the Internal Rate of Return for a project investment.
Is anyone concerned about their retirement years? Well, take a
look at Retirement Planner 2001, which is designed to help you plan
for a better retirement. It can develop a savings strategy using your 401(k)
plan or any other retirement plan, calculate how much you need to save
for retirement, understand retirement plans and how they work, understand
the time value of money, determine how much income you will need in retirement,
and help you determine your options if you aren't saving enough. Retirement
Planner accepts credit cards with expiration dates greater than the year
2001; features updated Social Security calculations for accuracy with respect
to Maximum Benefit, Average Indexed Monthly Earnings, National Average
Earnings, two bendpoints, and the COLA (Cost
reduced inflation factors involved in the Social Security calculation to
provide a better estimate; and an enhanced Help file. This update features
minor enhancements and bug fixes. Version 2000.1 has updated all calculations
to 2002 tax laws put in effect by the Economic Growth & Tax Relief
Act of 2001. Download
Has your insurance company told you that they need a complete inventory
of your household goods? If so, take a look at Complete Inventory
& Contacts Manager 1.3, a comprehensive multi-database system containing
6 different databases: A book database, a CD collection database, a Movie/DVD
database, a database for all household goods, another one for all vehicles
owned, and a personal contact manager with dialing functionality, e-mail
and URL launching. It also has a reporting system for viewing reports based
on sorting the parameters of your choice. The reports also display the
total cost/price of your goods. It is very useful for keeping an inventory
of all belongings in case of an emergency (for insurance reimbursement
for example). Or it can be used by small size companies as an inventory
Do you have trouble keeping your checkbook balanced? Maybe Checkbook
can help. It is an electronic checkbook register. Enter every transaction
you make into Checkbook just as you would on your paper version. But instead
of pulling out your calculator each month and struggling with the chore
of balancing your checkbook, mark off the items in Checkbook that are shown
on your monthly statement and Checkbook will calculate it for you. Without
the learning curve of a complicated accounting program, you get the job
out this shareware .
If you invest in the stock market, SpeedTrader PRO might be of
help. It is a Level II Direct Access software designed specifically
to operate over the internet. This powerful day trading platform comes
complete with fully integrated point and click trading. See any stock anywhere
on your screen, click on it, and itís loaded for execution. Shareware
Horizon Software offers Horizon Investment Portfolio Analyst,
an Investment Portfolio Manager for Windows. It calculates profit, periodic
total return, cumulative total return, average annual total return, internal
rate of return (IRR), capital gain, buy/sell prices, and other statistics.
The program creates many different types of charts and creates 5 different
types of basis worksheets for capital gains calculations. It imports/exports
data to/from many other applications and is especially useful for investments
with variable cash flows, such as mutual funds, 401K plans, annuities,
and partnerships, but is also helpful for bank and savings accounts, CD's,
stocks, bonds, etc. Shareware.
Have trouble keeping track of where all your money goes every month?
Easy Money 3.13 tracks personal income and expenses. You can record
line items under an unlimited number of user-defined categories. Categories
may be renamed and/or merged together--the data changes with them. You
can produce a summary or full reports on all or selected categories within
a selected range of months. Features include an onscreen manual, optional
pass-code protection, user-defined screen colors, data backup, a reminder
utility, and a simple calculator. New version includes bug fixes. Shareware.
Since there has been so much sickness going around the last few months,
Iíll list Medical Bills Plus last. This program is a comprehensive
way to keep a record of your family medical costs and ensure that your
insurance claims have been paid. The program provides an easy way to record
medical visits and costs as they occur, and to calculate and display information
that enables you to effectively manage your medical insurance program.