                  Insight Software Solutions Product Briefs

                         THE DEBT ANALYZER PLUS (WINDOWS)

  HOPELESSLY IN DEBT?  Need a systematic way to rid yourself of it? The Debt
  Analyzer is the answer!  Now the techniques used by banks and credit
  counselors can be used in the comfort of your own home.  You can produce
  debt elimination and loan consolidation schedules which can illustrate 
  hundreds of dollars in potential savings. How does debt elimination work?
  Each of your debts is given a priority. Each month, your payments are made
  to each debt.  Once one debt is paid off,then that payment is then applied
  to the highest priority debt.  This accelerates the payment on the highest
  priority debt.  The loan acceleration is what produces the interest
  savings.  Several options are available which can help accelerate and
  optimize your debt elimination schedule.  These include "using minimum 
  payments", applying "extra payments" and selecting one of nine predefined
  "priority methods". The loan consolidation schedule is designed to take all
  your current debt information and combine it into a single new loan.  How
  does it work?  Loan consolidation assumes that the new loan has an overall
  lower interest rate than your existing debts.  This results in lower
  overall payments and less interest paid.  The Debt Analyzer allows you to
  create loan consolidation schedules and will determine the amount of money
  you can save by doing so.  A variety of options are available to tailor the
  loan consolidation to your specific needs.  These include the ability to
  specify the term or payment of the consolidated loan or the sum of all debt
  payments may be used as the consolidated loan payment.

                          THE MORTGAGE ANALYZER (DOS)

  This is NOT an ORDINARY mortgage program.  It includes seven predefined
  loan acceleration methods such as bi-weekly, double principal and growing
  equity payments plus the ability to set up *ANY* acceleration method con-
  ceivable through variable extra payments.  Accelerated schedules and/or
  summaries can be produced side by side with the original mortgage or by
  themselves.  Features mortgage comparisons--enter all values for two
  complete mortgages.  Print, view or save to file complete schedules 
  and/or summaries for both side by side. The input screen contains Purchase
  Price, Down Payment, Duration, Interest Rate, Interest Type (Fixed,
  Stepped, Adjustable, Reset), Closing Date, First Payment Date, Points,
  Property Tax, Homeowners Insurance, Mortgage Insurance and closing costs.
  It calculates payments, points, tax savings, daily interest, interest paid,
  interest saved (for acceleration) and complete schedules. Other features 
  include Qualification Analysis reports for conventional, FHA and VA loans.
  Includes solve for missing loan value calculator, loan refinancing, 
  daily interest and points calculators.  Save and restore multiple clients.

  
  
  
  
  
  
  
  
  
  
  
  
  

                   THE ANNUITY ACE (Professional) (DOS)

  Now project your savings as never before!  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. The Deferred Annuity toolallows 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.
  Headers, Footers and Client Name can be included in the illustrations.  
  Multiple Client information can be saved and retrieved.
  
                        THE LOAN CHIEF (Professional) (DOS)
  
  Loan calculating has never been this easy!  Loan Chief is a financial
  software program designed with ease and flexibility in mind. It comes
  complete with a variety of loan tools for calculating Loan Amortization
  Schedules, Loan Charts and Loan Calculators for solving for missing values.
  Each financial tool contains a variety of options to allow maximum
  flexibility. The Loan Amortization tool allows variable payments, interest
  rates and compounding methods.  Professional schedules can be generated
  with monthly, quarterly, semi-annual or annual detail.  Special options are
  available to illustrate the savings incurred with an early payoff of a
  loan.  Several predefined acceleration methods are available in addition to
  a variable payment which allows optimum flexibility.  Accelerated schedules
  can be illustrated side by side with the original schedule.  Another special
  option is the ability to show tax savings with mortgages.  The Loan Chart
  tool produces a chart of loan values based on the criteria you select.  You
  select the type of loan values you want computed--it may be loan payments,
  loan principal amounts, months in a loan or the interest rate.  Once you
  choose what you want to solve for, you enter one of the remaining loan
  values as a constant and the other two as a range of values.  A chart is
  produced solving for all loan values specified in the ranges.  Headers, 
  Footers and Client Name can be included in the schedules and reports.  
  Multiple Client information can be saved and retrieved.
  
                           THE DEBT ANALYZER (DOS)

  The Debt Analyzer, a financial software package for the IBM PC, is the
  perfect tool to help reduce and eliminate debt.  Debt reduction can be
  illustrated through a loan payment schedule or through loan consolidation.
  Up to 20 debts can be handled at one time.  The loan payment schedule
  displays the payments to be applied to each debt and the balance of each
  debt until the balance reaches zero. Minimum payments or current payments
  may be used. Additional accelerated payments can be applied. One of nine
  debt payoff priority methods can be specified or priorities can be user 
  specified. For consolidated loans, the term or payment of the loan can be
  specified or the sum of all debt payments may be used as the consolidated 
  loan payment. Professional reports, schedules and summaries can be viewed
  on screen, printed or saved to file. Interest savings as well as the number
  of months paid off early are shown. Save and retrieve for multiple clients.

             THE DEBT ANALYZER PLUS - PROGRAM FEATURES (WINDOWS)

Debt Elimination                        Consolidated Loan
  Up to 20 debts                          Up to 20 debts
  Payments                                Select Term of Loan
    Minimum Payments                      Select Payment To Make
    Current Payments                      Use Sum of Debt Payments
    Accelerated Payments                  Current Debt Summary
  Prioritize Debts                          Months To Pay
    Highest Interest Rate First             Interest To Pay
    Smallest Balance First                  Interest Saved With Consolidation
    Largest Balance First                 Consolidated Loan Schedule
    Smallest Minimum Payment First
    Largest Minimum Payment First       Reports
    Smallest Current Payment First        Schedules, Charts and Summaries
    Largest Current Payment First         Calendar or Fiscal Year
    Shortest Term Debt First              Cumulative or Non Cumulative
    Largest Term Debt First               Whole Dollars or Exact Cents
    User Defined                          18 Date Formats--International Incl
  Debt Payoff Schedule                    Headers & Footers
  Debt Payment Schedule                   Select Configuration Defaults
  Debt Payment Chart                      Select Fonts & Styles
  Debt Payment Summary
    Months To Pay                       Save, Retrieve and search multiple
    Months Saved                           scenarios for the same Client,
    Interest Paid                           friend or family member.
    Interest Saved                
                                 Requires Windows version 3.1

































               THE DEBT ANALYZER - PROGRAM FEATURES (DOS)

      Loan Payment Matrix                   Consolidated Loan             
        Up to 20 debts                        Up to 20 debts              
        Payments                              Select Term of Loan
          Minimum Payments                    Select Payment To Make
          Current Payments                    Use Sum of Debt Payments
          Accelerated Payments                Current Debt Summary
        Prioritize Debts                        Name of Debt
          Highest Interest Rate First           Loan Balance
          Smallest Balance First                Number of Months To Pay
          Largest Balance First                 Interest Rate
          Smallest Minimum Payment First        Interest Paid
          Largest Minimum Payment First         Total Interest Paid for all
          Smallest Current Payment First          Debts
          Largest Current Payment First         Total Interest Saved with 
          Shortest Term Debt First                Consolidation
          Largest Term Debt First             Consolidated Loan Schedule
          User Defined
        Debt Payoff Schedule                Other Features                
          Name of Debt                        Save and Retrieve Multiple
          Date To Pay                           Client Information          
          Amount To Pay                       On-line Manual              
          Remaining Balance                   On-line Help for each field 
        Debt Payment Summary                  Effective Rate Calculator
          Name of Debt
          Loan Balance                      Configuration
          Payment Schedule                    Select Own Colors
          Number of Months To Pay             Select/Modify Printer Driver
          Number of Months Saved              Up to 3 Permanent Header Lines
          Interest Rate                        Turn off/on Sound Effects
          Interest Paid                       Bypass Logo Screen
          Interest Saved                      Default Report Options
          Total Interest Paid for all Debts
          Total Interest Saved for all Debts

                      Reports
                        Calendar or Fiscal Year
                        Cumulative or Non Cumulative
                        Whole Dollars or Exact Cents
                        18 Date Formats--International Included
                        View on screen before printing
                        6 or 8 Lines Per Inch
                        Top and Left Margin Adjustment
                        Automatic Bolding of Headers and Totals
                        Automatic Condensed Print when Needed
                        IBM Graphic Characters












               THE MORTGAGE ANALYZER - PROGRAM FEATURES (DOS)

Amortization Features               Reports & Schedules      
  Interest Rates                      Qualification Analysis 
    Fixed, Stepped                    Amortization Summaries 
    Adjustable, Reset                 Amortization Schedules 
  Early Payoffs                         Yearly or Monthly    
    Recurring Extra Payment             Calendar or Fiscal Year     
    Variable Extra Payment              Cumulative or Non Cumulative
    Variable Payment                    Whole Dollars or Exact Cents
    Double Principal Payment            Two Loans Side by Side Comparison  
    13 Monthly Payments                 Standalone Early Payoff  
    26 Half Month Payments              Side by Side Early Payoff Comparison 
    52 Quarter Month Payments           International Date Formats
    Growing Equity Payments           View on screen before printing
  Tax Savings Analysis                6 or 8 Lines Per Inch  
  Comparison of Two Separate Loans    Top and Left Margin Adjustment
  Balloon Mortgages                   Automatic Bolding of Headers and Totals 
  Points                              Automatic Condensed Print when Necessary
  Daily Interest                      IBM Graphic Characters 
  Closing Costs                    
  Mortgage Insurance                Other Features                         
  Homeowners Insurance                Qualification Analysis
  Property Tax                        Calculators
                                        4 Function
Configuration                           Solve for Mortgage Value
  Select Own Colors                     Loan Refinance
  Select/Modify Printer Driver          Points
  Up to 3 Permanent Header Lines        Daily Interest
  Turn off/on Sound Effects           Save and Retrieve Client Information
  Bypass Logo Screen                  On-line Manual
  Default Report Options              On-line Help for each field




























              THE ANNUITY ACE (Professional) - PROGRAM FEATURES (DOS)

 Deferred Annuities           Immediate Annuities        General Features
(Savings, CDs, IRAs)                  
-          Payout Methods             On-line Manual
Deposit Modes                   Weekly                   Easy Menu Driven
  Weekly,                       Bi-Weekly                Help For Each Field
  Bi-Weekly,                    Semi-Monthly             Sound Effects Off/On
  Semi-Monthly,                 Monthly                  Choose Own Colors
  Monthly,                      Quarterly                Bypass Logo Screen
  Quarterly,                    Semi-Annual              Illustrations
  Semi-Annual                   Annual                     View
  Annual                      Compound Methods             Print to Printer
Variable Deposits,              Daily (360 or 365)         Print to File
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)          
  Monthly                     3 Saved Header Lines
  Quarterly                   3 Saved Footer Lines
  Semi-Annual                 3 Temporary Footer Lines
  Annual                        On All Pages
Loads                           On Last Page Only
  Initial Deposit             Printing
  Periodic Deposit              6 or 8 lines per inch
Report Detail                   Top Margin Adjustment, 
  Monthly                       Left Margin Adjustment,
  Quarterly                     Bold Header Lines 
  Semi-Annual                   Bold Footer Lines
  Annual                        Bold Titles and Totals
  Calendar or Fiscal            Auto Condensed Print
  Whole Dollars or Cents        Use IBM Graphic Char
  Cumulative or Not Cum.      Save & Retrieve
  18 Date Formats               Multiple Clients
Special Options               Calculators
  Tax Sheltered                 4 function calculator
  Waiting Before Saving         Future/Present Value,
  No Load vs. Load              Amortization 
  Inflation Adjusted          
  Accumulate to Age
  Cost of Interest














                LOAN CHIEF (Professional) - PROGRAM FEATURES (DOS)

Loan Schedule                              Reports & Schedules          
  Payment Modes                              Loan Charts     
    Weekly, Bi-Weekly, Semi-Monthly,         Amortization Summaries     
    Monthly, Quarterly, Semi-Annual,         Amortization Schedules     
    Annual                                     Weekly - Annual    
  Interest Rates                               Calendar or Fiscal Year        
    Monthly, Quarterly, Semi-Annual,           Cumulative or Non Cumulative   
    Annual                                     Whole Dollars or Exact Cents   
  Compound Methods                             Standalone Early Payoff       
    Daily (360 or 365), Monthly,               Side by Side Early Payoff  
    Quarterly, Semi-Annual, Annual               Comparison    
  Schedule Detail                              International Date Formats    
    Weekly, Bi-Weekly, Semi-Monthly,           Pmt Num and/or Date Columns    
    Monthly, Quarterly, Semi-Annual,         View on screen before printing   
    Annual                                   6 or 8 Lines Per Inch      
  Special Options                            Top and Left Margin Adjustment   
    Recurring Extra Payment                  Bold of Headers, Footers, Totals 
    Variable Payments                        Auto Condensed Print    
    Variable Extra Payments                  IBM Graphic Characters Supported 
    Double Principal Payment                 
    13 Payments per Year                   Other Features  
    Balloon Payments                         Solve for Loan Value Calculator  
    Tax Savings Analysis for Mortgages       Save & Retrieve Multiple Clients 
                                             3 Saved Header Lines
Loan Charts                                  3 Saved Footer Lines
  Solve For Payment Amounts                  3 Temporary Footer Lines
  Solve For Loan Amounts                       On All Pages
  Solve For Loan Term                          On Last Page Only
  Solve For Interest Rates                   1 Title Line      
                                             Select Own Colors    
                                             On-line Manual
                                             Easy Menu Driven
                                             Help For Each Field
                                             Sound Effects Off/On
                                             Choose Own Colors
                                             Bypass Logo Screen
                                             Reports
                                               View
                                               Print to Printer
                                               Print to File
                                             Set Default Schedule Options
  
  


















             PRICING:                  U.S. Funds     

             --DOS PRODUCTS--
             The Mortgage Analyzer        $25.00      
             The Debt Analyzer            $20.00      
             Annuity Ace (Lite)           $15.00      
             Annuity Ace (Professional)   $25.00      
             Loan Chief (Lite)            $15.00      
             Loan Chief (Professional)    $25.00      

             --WINDOWS PRODUCTS--
             The Debt Analyzer            $15.00      
             The Debt Analyzer Plus       $25.00      

             Shipping & Handling          $3.00 (First Class Mail)
                                          $5.00 (Priority Mail)
                                          $5.00 (Air Mail - overseas)


                  FOR MORE INFORMATION CONTACT:

                     Insight Software Solutions
                     P.O. Box 354
                     Bountiful, UT  84011-0354

                     Phone: 801 295-1890
                     Fax:   801 299-1781
                     BBS:   801 963-8721  (Join Conference #4)
                     CIS:   [71672,3464]




























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