• 00_index.htm (8K)

    Uploaded Sat May 18 2024 12:47:12

  • 00_index.txt (5K)

    Uploaded Sat May 18 2024 12:47:12

  • ace103.zip (137K)

    Uploaded Sat May 18 2024 12:47:12

    Annuity Ace v1.03 [ASP] Now project your 
    savings as never before! Professional 
    illustrations for deferred, immediate and 
    split annuities (Savings, IRA, 401K, etc). 
    Flexible with variable deposits, withdraw- 
    als, interest rates, and compound methods. 
    Tax analysis, COLA, Loads, Inflation 
    Factoring and more. Detail is monthly - 
    annual, calendar or fiscal, whole dollars or 
    cents, cumulative or non-cumulative.
    
    
  • amort21.zip (356K)

    Uploaded Sat May 18 2024 12:47:12

    AmortizeIT! 2.1  a fast, flexible, easy 
    use loan analyzer. Uses a fill-in-the-blank 
    interface. Includes an amortization schedule,
    & 6 calculators: loan, refinance, remaining 
    balance, accelerated payments, interest due &
    balloon payment. 25 new features: user can 
    set payment, irregular length 1st periods, 
    payment date/due date schedules, tax 
    consequences of a loan. Supports irregular, 
    skipped & extra payments; adjustable rates.
    
    
  • amortz22.zip (284K)

    Uploaded Sat May 18 2024 12:47:12

    AMORTZ - Loan Schedules & More! v2.20  
    The EASY Financial Loan Calculation System! 
    Supports variable interest rate & payments, 
    balloon pymts, fiscal year. Has 5 pymt plans,
    customizable heading & page formatting. 
    Calculates any one of the loan variables 
    (Principal, Int Rate, Pymt Amt, or # of 
    Pymts). Schedule can be printed, viewed or 
    saved to disk. Enter payments as they are 
    made & save to disk. Shareware $15.00
    
    
  • amrtz10.zip (20K)

    Uploaded Sat May 18 2024 12:47:12

    INTEREST v1.10 A program that computes:
    savings, loans and retirement disbursements,
    based on monthly interest and transactions.
    
    
  • bam361.zip (203K)

    Uploaded Sat May 18 2024 12:47:12

    Bank Account Manager
    is an easy to use
    full featured
    bank manager. This
    program tracks
    more than just checking
    accounts!
    
    
  • bankp330.zip (351K)

    Uploaded Sat May 18 2024 12:47:12

    Bank-Plan: Small business cashflow planner. 
    Projects cash inflows, outflows & bank 
    balances for next 12 months. Produces 
    numerous reports & graphs. "Roll-forward" 
    projections each month. Ideal for "what-ifs".
    Suits any business with sales under 2m 
    pounds/dollars and advisers, banks etc. Very 
    easy to use for forecasting cash and short- 
    term funding needs. Extensive on-line help 
    and documentation included.
    
    
  • bp21.zip (288K)

    Uploaded Sat May 18 2024 12:47:12

    ---------------------------------------------------------------------
    Budget Planner 2.1  -  A simple yet efficient tool for creating
    budget plans.  Features:
       o  Pull-down menus
       o  Mouse support 
       o  On-line help
       o  EASY file maintenance (adding, changing, deleting entries)
       o  Database packing, optimizing the size of the files
       o  Routing of output to printer, COM port, or ASCII file
       o  Optimized to make the most of 286 and higher processors
       
    Hardware requirements:
       o  Minimum 64K RAM (overlay optimized for DOS and Windows)
       o  80286 or higher processor
       o  550K hard disk space for program and documentation
       o  Mouse driver installed
       o  VGA color graphics card (for 50 x 80 text screens)
    
    Don't let the simplicity of this program fool you!  It may be one
    of the HANDIEST little additions ever to your software collection!
    ---------------------------------------------------------------------
    
    
  • bpln43.zip (185K)

    Uploaded Sat May 18 2024 12:47:12

    B/PLAN DEVELOPER v4.3 Expert Business Plan
    Workbook.  Write a PLAN like a PRO & SAVE.
    See PC Plus (7/94) and "The Best Guide to
    Business Shareware" for reviews. 1000's of
    registered users worldwide, Windows and 
    OS/2 compatible, Bonus Add-Ins and Key-
    word Outlines for $27, FREE S&H
    
  • broker2.zip (826K)

    Uploaded Sat May 18 2024 12:47:12

    SmartBroker 2.0 is a Stock and Options
    analysis program that does all the work for
    you. SMARTBROKER tracks 4,000 pre-loaded
    stocks, downloads quotes from Dow Jones
    quickly and efficiently to save on-line cost,
    analyzes the data qualitatively and
    quantitatively, and reports stock
    opportunities. You will need a DOW JONES
    NEWS/RETRIEVAL FLAT RATE ACCOUNT, only
    $29.95/month.
    
  • cashfl15.zip (39K)

    Uploaded Sat May 18 2024 12:47:12

  • cgz40.zip (1,309K)

    Uploaded Sat May 18 2024 12:47:12

    Capital Gainz v4.0  - Investment 
    portfolio manager. Ideal for dollar-cost 
    averaging. Record purchases, sales, 
    dividends, capital gains, splits. Multiple 
    portfolios. Calculate performance and total 
    return. Print reports for one or more 
    portfolios/securities, over range of dates. 
    Generate tax forms. Reinvest dividends. 
    Execute sales using FIFO, LIFO, max gain, max
    loss, specific ID, avg cost. 
    
    
  • chf112.zip (140K)

    Uploaded Sat May 18 2024 12:47:12

    Loan Chief v1.12 [ASP] Loan calculating has 
    never been this easy! Professional schedules 
    with a multitude of options: Weekly - Annual,
    variable rates, loan acceleration, tax 
    analysis, variable payments, cumulative/non-
    cumulative, variable compound methods and 
    much more! Produces LOAN CHARTS, a new and 
    novel concept in loan processing. Save and 
    retrieve info. Solve for values.
    
    
  • chxmst70.zip (251K)

    Uploaded Sat May 18 2024 12:47:12

    Check/Financial/Budget/Business Management.
    Chex-Master prints checks, reconciles your
    account, produces summary statements by user
    assigned codes, provides Budget Tracking, and
    check searches. Included are Single Entry
    Bookkeeping and Invoice Generation Modules.
    It uses Pull-Down Menus and a Setup System
    for configuration. File Structure is DBase
    III. User's Manual can be printed or viewed
    On-Line.
    
    
  • cio11.zip (200K)

    Uploaded Sat May 18 2024 12:47:12

  • ckmstr31.zip (190K)

    Uploaded Sat May 18 2024 12:47:12

  • consol21.zip (100K)

    Uploaded Sat May 18 2024 12:47:12

  • ddmtg.zip (14K)

    Uploaded Sat May 18 2024 12:47:12

  • debtfr30.zip (179K)

    Uploaded Sat May 18 2024 12:47:12

    DEBT-FREE 3.0: Promotes early payoff of
    your home mortgage. Includes a "What-If"
    calculator, a printing amortizer, and a 
    "Payment Log" to calculate and date-record
    mortgage payments of various amounts and/or
    interest rates. Useful for recording mortgage
    receivables, automatically allocating the
    interest, principal, and current balances
    monthly. Shareware ($29.95) from Accutax.
    
  • debtmg13.zip (50K)

    Uploaded Sat May 18 2024 12:47:12

    Wipe out your credit card debt.  A Complete 
    do-it-yourself debt management software 
    package that saves thousands of dollars in 
    credit card interest penalties.   Now you can 
    take advantage of trade secrets used by many 
    expert financial counselors in the privacy of 
    your own home.  Join the thousands that are 
    already on their way to becoming debt free.
    Visa/MC orders call (800) 995-1605  $20.00
    
    
    
  • easil330.zip (559K)

    Uploaded Sat May 18 2024 12:47:12

    EASI-PLAN Lite: Business Financial Planner. 
    Enables new & mid-size businesses to prepare 
    complete 3-year financial projections for 
    business plans, raising finance etc. Produces
    P&Ls, cashflows, balance sheets & ratios by 
    month for 1st year & quarterly for 2nd and 
    3rd years. Incorporates facilities for 
    graphing key results; undertaking "what-if" 
    analyses; preparing "first-cut" 3-year 
    projections; etc. etc.
    
    
  • easim330.zip (475K)

    Uploaded Sat May 18 2024 12:47:12

    EASI-PLAN Micro: Business Financial Planner. 
    Enables new & very small businesses to 
    prepare complete 3-year financial projections
    for business plans, raising finance etc. 
    Produces P&Ls, cashflows, balance sheets & 
    ratios by month for 1st year & quarterly for 
    2nd and 3rd years. Incorporates facilities 
    for graphing key results; undertaking "what-
    if" analyses; preparing "first-cut" 3-year 
    projections; etc. etc.
    
    
  • easip330.zip (819K)

    Uploaded Sat May 18 2024 12:47:12

    EASI-PLAN Pro: Business Financial Planner. 
    Enables new & large-sized businesses to 
    prepare complete 5-year financial projections
    for business plans, raising finance etc. 
    Produces P&Ls, cashflows, balance sheets & 
    ratios by month for 1st year, quarterly for 
    2nd/3rd years and annually for 4/5th years. 
    Incorporates facilities for graphing key 
    results; doing "what-if" analyses; preparing 
    "first-cut" projections; etc. etc.
    
    
  • econ.zip (63K)

    Uploaded Sat May 18 2024 12:47:12

    ECON: Econometric Forecasting
    Econ forecasts S&P 500, T Bond and T Bill
    interest rates, and inflation.  Once a month
    you enter 8 numbers and get statistically 
    optimized forecasts for 3 months, 6 months,
    and 12 months in the future.  An asset
    allocation routine tells you how much of each
    asset to hold with conservative and aggres-
    sive strategies.  It's menu-driven shareware
    for IBM-PC and compatibles.
    
    
  • ecs11b.zip (197K)

    Uploaded Sat May 18 2024 12:47:12

  • el30b.zip (319K)

    Uploaded Sat May 18 2024 12:47:12

    Expense Log v2.3 - Quality expense tracking software
    
    FEATURES:
    Standard pull-down menus
    Speedbar
    Mouse support
    Ten report options (ELEVEN in registered version!)
    EASY file maintenance (adding, changing, deleting entries, etc.)
       
    SYSTEM REQUIREMENTS:
    2MB RAM
    652KB hard disk space
    80386SX CPU or higher
    VGA color graphics card
    
  • ezcr216.zip (148K)

    Uploaded Sat May 18 2024 12:47:12

  • ezkit20a.zip (152K)

    Uploaded Sat May 18 2024 12:47:12

  • ezloan20.zip (49K)

    Uploaded Sat May 18 2024 12:47:12

  • fads2.zip (165K)

    Uploaded Sat May 18 2024 12:47:12

  • fbks507g.zip (335K)

    Uploaded Sat May 18 2024 12:47:12

    FastBucks Finance Manager version 5.07G
    Supports 25 each Checking, Charge, Savings  
    Misc expense, cash, other asset and other
    liability accounts.
    
    
  • files.txt (4K)

    Uploaded Sat May 18 2024 12:47:12

  • finan10.zip (135K)

    Uploaded Sat May 18 2024 12:47:12

  • goldnyr3.zip (270K)

    Uploaded Sat May 18 2024 12:47:12

    GOLD'N YEARS Retirement Funds Analysis (v3)
    projects your returns for up to 5 funds and
    shows your resulting yearly incomes using 5
    payout methods, from earnings-only payouts to
    multi-year payouts adjusted for inflation and
    compared to today's dollars.  Just enter your
    current and retirement ages, salary, yearly
    contribution percentage, COLA's, inflation
    rate, yearly allocation to each of the funds,
    and their historical returns and balances.
    
    
  • heatloss.zip (37K)

    Uploaded Sat May 18 2024 12:47:12

  • homebiz1.zip (162K)

    Uploaded Sat May 18 2024 12:47:12

  • hsb10a.zip (885K)

    Uploaded Sat May 18 2024 12:47:12

    Handy Stuff v1.0 -Programs everyone needs.
    Loan/Lease, Conversions, Reminder, Mail List
    LOAN/LEASE Calculations, amortizations, find
     interest, comparisons, change interest,
     make extra payments.
    CONVERSIONS, convert from unit to unit
    REMINDERS, tickler, simple date sensitive
     reminder system pops up, add on the fly.
    MAIL LIST/ADDRESSES, track call-backs,
     birthdays, print lists and labels, export
     for mail merge, make groups - christmas
     cards - relatives - friends - soccer team
     prospects - etc, keep notes with each.
    
    
  • int234.zip (147K)

    Uploaded Sat May 18 2024 12:47:12

    The Interest Analyzer v2.34  produces 
    professional schedules and illustrations for 
    savings, annuities, loans, mortgages and 
    depreciation. Flexible with variable depos- 
    its, withdrawals, payments, interest rates, 
    and compound methods. Tax analysis, COLA, 
    loan acceleration. Solve for calculators. 
    Save and restore multiple clients. Side by 
    Side comparisons. Illustration detail is 
    monthly - annual, calendar or fiscal.
    
    
  • inv31ai.zip (501K)

    Uploaded Sat May 18 2024 12:47:12

    THE INVOICE STORE  V. 3.1   Rev AI
    An Invoicing, POS & Customer Tracking system 
    for the small business. Very simple to learn
    & use, and requires no accounting background.
    Perfect for any mailorder, retail, or any 
    business that requires invoicing.  Maintains
    Customers, Vendors, Sales Personnel, Sales
    History, Inventory Management, Invoicing &
    Receivables, Sales Taxes, Credits & Returns.
    Supports POS hardware and is network ready.
    
    
    
    
  • loan300.zip (86K)

    Uploaded Sat May 18 2024 12:47:12

    HOME LOAN DIARY 3.00 - Mortgage diary.
    Want to see a 1700% return on investment?
    Do you realize what $25 per month extra
    principal will do to the life of a loan?
    Calculates how much $$$ you can save by
    paying a loan off early. Like a Lotus
    spreadsheet yet this is a complete
    program, not a macro.  Scrollable!
    Additional principal payments and notes
    can be entered and saved to disk. Print
    outs & calculator available.  Simple to 
    use! Records monthly escrow payments.
    
    
  • lwmd32.zip (184K)

    Uploaded Sat May 18 2024 12:47:12

    _____ LIFETIME WEALTH MANAGEMENT v3.2 ______ 
    A comprehensive personal financial program.  
    Provides calculations, projections, graphs   
    for Saving, Investing, Retirement, Net Worth 
    Mortgages, Loans, Stocks and Mutual Funds.   
    Portfolio management system records, tracks  
    and graphs your investment performance.      
    Everyone can use this program covering all   
    stages of your financial life. Excellent On- 
    Line Help. For DOS. Rated: **** 
    
    
  • mbnk16b.zip (361K)

    Uploaded Sat May 18 2024 12:47:12

    Money & Banks v1.6b - RCCO Research.
    Personal Banking Manager with attractive
    DOS interface.  Personal, professional or
    business banking.  Pop-up calculator,
    calendar, scheduler; printing on regular
    checks; reports & labels; credit cards,
    securities; mouse support.  REVIEWERS:
    "5-stars"  "Best program of its kind!"
    
    
  • medtrk20.zip (1,841K)

    Uploaded Sat May 18 2024 12:47:12

    Personal Medical Bills Tracker V1.01 
    
    
  • mftra36e.zip (435K)

    Uploaded Sat May 18 2024 12:47:12

    The Mutual Fund Tracker, Version 3.6e, works
    using technical analysis and a Mutual Fund
    Composite Average, in conjunction with other
    key indices, to determine when to get into
    and out of mutual funds.  You can define and
    look at different "what if" results based on
    your criteria.  Features easy to understand
    documentation; graphs; reports; select TREND
    or BUY, SELL, and HOLD signals; writes graph
    pictures to disk; auto-update; plus more.
    
    
  • mkmst431.zip (272K)

    Uploaded Sat May 18 2024 12:47:12

  • modfin91.zip (134K)

    Uploaded Sat May 18 2024 12:47:12

  • money07.zip (115K)

    Uploaded Sat May 18 2024 12:47:12

  • mortcal2.zip (18K)

    Uploaded Sat May 18 2024 12:47:12

  • mrkmst70.zip (241K)

    Uploaded Sat May 18 2024 12:47:12

    MARKET-MASTER 7.0 Multi-Level Marketing Management System.
    DOS FEB95 MULTI-LEVEL AMWAY FINANCIAL MULTILEVEL BUSINESS
    FILES: mrkmst70
    
    Author: Albert E. Jenke
    Registration: $49.00 ($69.00)
    
        Market-Master will generate invoices, track Distributor  PV/BV,
    generate and print Bonus Checks, generate various summary reports,
    maintain Prime Distributor Bonus Level, and track and manage inventory
    usage. It comes with a Master Product Data File for the AMWAY MLM.
        The system is VERY simple to operate, uses Pull-Down Menus with
    a minimum of key entry, and can be configured to the user's desires via
    a very comprehensive Setup System. The Data Files are DBase III
    compatible. Included is a comprehensive User's Manual which can be
    printed out and/or viewed On-Line.
        MARKET-MASTER is a Stand-Alone System. MLM-MASTER, available as
    MLMMST70.ZIP, is integrated with a Checking/Financial /Business
    Management System.
    
    
  • mrt204.zip (220K)

    Uploaded Sat May 18 2024 12:47:12

    The Mortgage Analyzer v2.04 [ASP] contains 
    options for amortization schedules, loan 
    qualification, refinancing, mortgage accel- 
    eration, side by side mortgage comparisons, 
    Buy vs. Rent, Lease vs. Sell, and mortgage 
    related calculators. Tax Analysis, Daily 
    Interest, Points, etc. Save and retrieve 
    multiple clients. Fixed, Stepped, ARM. 
    Calculates Mortgage Insurance, FHA MIP, VA 
    Funding Fees. Caps & Margins for ARMs. MORE!
    
    
  • ms2q11.zip (22K)

    Uploaded Sat May 18 2024 12:47:12

  • mtrad121.zip (269K)

    Uploaded Sat May 18 2024 12:47:12

    Momentum Trader v1.21 - Automatically tracks,
    plots and screens up to many hundreds of
    stocks, mutual funds and indices using data
    obtained from a basic CIS account. A list of
    about 250 volatile stocks is included to get
    you started, but a built-in list maintenance
    feature allows you to customize the list of
    stocks with ease. Maintains history files on
    each stock with once-a-day download from CIS.
    
    
  • opnhm310.zip (269K)

    Uploaded Sat May 18 2024 12:47:12

    OpenHome  is an open home announcement
    generator designed for Mortgage Bankers and
    Realtors. It provides a one-sheet infomation
    packet for prospective home buyers, listing
    important information in an attractive way.
    The user provides key information about the
    property for sale and OpenHome produces a
    simple table showing the perspective buyer
    the financial requirements for purchasing the
    property in a straightfoward fashion.
    
    
  • pca71.zip (52K)

    Uploaded Sat May 18 2024 12:47:12

  • pcheck22.zip (27K)

    Uploaded Sat May 18 2024 12:47:12

  • persp330.zip (444K)

    Uploaded Sat May 18 2024 12:47:12

    Pers-Plan: Personal & household cash planning
    and budgeting. Prepare personal cashflow 
    projections for 12 months ahead. 
    Comprehensive features. Very friendly & menu-
    driven. Lots of on-line help & TXT files. 
    Facilities for "what-ifs", "roll- forward" & 
    "drill-down". Numerous reports and graphs. 
    Handles any currency & income tax regime. No 
    historic accounts needed for use.
    
    
  • pfroi39.zip (312K)

    Uploaded Sat May 18 2024 12:47:12

    PFROI V3.8 - PortFolio manager with ROI
    Handles stocks, bonds, mutual funds, options, 
    real estate, reinvestments, splits, shorts, 
    margin, etc. Computes ROI before and after 
    taxes. FIFO, LIFO, Avg, and specific tax lot 
    methods.  Transaction, position, dividend, 
    interest, capital gains, ROI, cash flow 
    reports plus Graphics. Downloads quotes from
    CIS, DJ, GEnie; imports from Prodigy. Help 
    screens & 120 pg on-disk manual. 
    
    
    
  • rsa2.zip (240K)

    Uploaded Sat May 18 2024 12:47:12

  • rsa303h.zip (194K)

    Uploaded Sat May 18 2024 12:47:12

  • sa251a.zip (29K)

    Uploaded Sat May 18 2024 12:47:12

  • sba954.zip (700K)

    Uploaded Sat May 18 2024 12:47:12

    SMALL BUSINESS ADVISOR v95.3  ZIPfile 1
    of 1: Expert tax/legal consultant-on-a-disk.
    Advises your business on vast range of busi-
    ness, legal/tax issues. Over 600 pages up-to
    date info (Fed. & all 50 states), by Harvard
    lawyer/CPA. Menu-driven, 5 minutes to learn.
    Interactive consulting sessions on:  Whether
    to incorp., home office, etc.-Custom startup
    checklists; tax planning modules, much more!
    Nothing else like it! RONIN SOFTWARE, $29.95
    
  • sim201.zip (76K)

    Uploaded Sat May 18 2024 12:47:12

  • slv42doc.zip (73K)

    Uploaded Sat May 18 2024 12:47:12

  • slv42txt.zip (8K)

    Uploaded Sat May 18 2024 12:47:12

  • slvit43.zip (413K)

    Uploaded Sat May 18 2024 12:47:12

    SolveIT! 4.3s  [DOS/WIN] 32 easy-to-use 
    financial calculators, among them: Future 
    Value, Loan, Amortization, Present Value, 
    Time-to-Withdrawal, Accelerated Payments, 
    Budget, Net Worth, IRR, NPV many, many more. 
    Just fill-in-the-blanks and press [F9] to 
    solve. Detail on-line help & 100 plus page 
    manual. Flexible, pick different frequencies,
    adjust rates & cash flows. Shareware $69.95. 
    Pine Grove Software. Since 1985.
    
    
  • sprm24.zip (81K)

    Uploaded Sat May 18 2024 12:47:12

  • st_bgt17.zip (317K)

    Uploaded Sat May 18 2024 12:47:12

  • stckt700.zip (342K)

    Uploaded Sat May 18 2024 12:47:12

  • stkan110.zip (4K)

    Uploaded Sat May 18 2024 12:47:12

    THE STOCK ANALYST v1.10 (ASP) \- A powerful,
    yet easy to use stock analysis program.
    *
    Features include:
    - Buy/sell analysis of stocks
    - Line, Bar, P&F Charts.
    - Up to 1,500 stocks with 32,000 prices each.
    - Entirely menu driven
    - Context-sensitive help.
    - Full mouse support.
    
    
  • tas605.zip (692K)

    Uploaded Sat May 18 2024 12:47:13

    Technical Analysis Scanner v6.05 Scan and
    analyze stock, commodity, mutual fund or
    market index data. Completely programmable
    controls and charting (not a "black box") can
    develop sophisticated trading strategies.
    Supports many price data formats.
    
    
  • tracut27.zip (528K)

    Uploaded Sat May 18 2024 12:47:13

    The Tracker Utilities -- The Wall Street and
    Mutual Fund Tracker companion programs.  The
    Graph Tracker, featured in this package, has
    a point and shoot menu system that will run
    the programs and return you to a Master Menu
    Command Center.  You can view and sort graph
    pictures saved by the programs allowing you
    to review years and years of graphed data
    any time you want.  Other Tracker Utility
    programs are included for your convenience.
    
    
  • video20y.zip (474K)

    Uploaded Sat May 18 2024 12:47:13

    THE VIDEO STORE  2.0  Rev Y
    A video rental store POS system that
    is very powerful and simple to use.
    Supports customers, inventory, sales,
    salesmen, products & rentals, payments,
    late fees, and is network ready.  
    Supports popular POS hardware.  Invoices
    may be customized and supports US &
    foreign countries.  
    
    
    
    
    
  • walst71d.zip (349K)

    Uploaded Sat May 18 2024 12:47:13

    The Wall Street Tracker, Version 7.1d, works
    using technical analysis and market momentum
    to determine when to buy or sell stocks.  It
    analyzes key indices and also compares three
    moving averages, against each other, and the
    current price.  You can define the moving
    averages and compare "what if" results based
    on your investment objective.  Features auto
    data update via many online services; great
    documentation; graphs; reports; plus more.
    
    
  • wildcat.txt (4K)

    Uploaded Sat May 18 2024 12:47:13

  • xchk23.zip (115K)

    Uploaded Sat May 18 2024 12:47:13

  • yourp210.zip (321K)

    Uploaded Sat May 18 2024 12:47:13

    Your-Plan: Personal cash planning and 
    budgeting. Prepare personal cashflow 
    projections for 6 months ahead. Comprehensive
    features. Very friendly & menu-driven. Lots 
    of on-line help & TXT files. Facilities for 
    "what-ifs", "roll- forward" & "drill-down". 
    Numerous reports and graphs. Handles any 
    currency & income tax regime. No historic 
    accounts needed for use.