Best debt software for free download

Create custom invoices for billing purposes in MS Excel. Excel 2000 or higher required.

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The MoneyToys(tm) Web Site Calculator collection has grown to 16 calculators with the addition of a Mortgage Qualification Calculator. The Mortgage Qualifier for web sites helps a home buyer determine how much he or she may be able to borrow and what monthly payment amounts a lender may allow based upon the individual’s financial income and debt.This mortgage affordability calculator also accommodates a co-borrower. The income and debt information of the co-borrower is also considered in the qualification calculation.Webmasters can modify the default Housing Ratio and Debt Ratio values to reflect those of the lenders with whom you are working. These values vary but it is important to remember the lender determines them for a home buyer.MoneyToys(tm) online financial calculators are designed to give webmasters a simple way to add instant interactivity to a web site by providing financial calculator applets which are easily added to a web site.Installation is easy! Copy the online calculator to the appropriate directory on your web server and add the HTML code to your web page. That's all it takes! You can set your own initial values for the calculators and you can make the colors match YOUR site! Configure the font, font size and calculator size to match your site's design. Includes step-by-step installation instructions and three sample web pages with cut-and-paste code for your web pages.Included in the growing collection of 16 MoneyToys web site calculators are: * Simple Loan Calculator * Biweekly Payment Calculator * Down Payment Savings Calculator * Very Simple Loan Calculator * APR Calculator * Closing Costs Calculator * Home Seller's Proceeds * Refinancing Calculator * Rent or Buy Calculator * Loan Spread Calculator * Cash Flows Calculator * Future Value Calculator * Pay Down or Invest Calculator * Loan Comparisons Calculator * Mortgage Qualification Calculator

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MoneyToys Pay Down Debt or Invest Web Site Calculator adds value to your web site and helps your visitors determine the future effects of an investment compared to the future effects of using funds to pay down a current debt. Answers the question, 'Should I invest it or use it to pay off something I already owe?' Easily added to your web site with a few lines of HTML and MoneyToys financial calculator for your web site.MoneyToys web site calculators make it easy for you to install financial calculators on your web site! With a few lines of HTML and MoneyToys website calculators you can quickly add online interactivity to your web site! Put MoneyToys calculators on your web site and your visitors can perform financial calculations without leaving your site!MoneyToys online financial calculators are designed to give webmasters a simple way to add instant interactivity to a web site by providing financial calculator applets which are easily added to a web site.Installation is easy! Copy the online calculator to the appropriate directory on your web server and add the HTML code to your web page. That's all it takes! You can set your own initial values for the calculators and you can make the colors match YOUR site! Includes step-by-step installation instructions and three sample web pages with cut-and-paste code for your web pages.Included in the growing collection of MoneyToys online finencial calculators are a Simple Loan Calculator, a Biweekly Payment Calculator, a Very Simple Loan Calculator, a APR Calculator, a Closing Costs Calculator, a Home Seller's Proceeds, a Refinancing Calculator, a Rent or Buy Calculator, a Loan Spread Calculator, a Cash Flows Calculator, a Future Value Calculator, a Pay Down or Invest Calculator, a Loan Comparison Calculator.

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Virtual Business - Real Success! Can you compete and succeed in this real-time business strategy game? You are the CEO of a global business running up to 5 companies. IndustryPlayer uses actual industry data allowing its worldwide players to simulate real business conditions in a real-time, interactive environment. You start with ten million dollars, and can choose from 225 product licences in 16 industry sectors. Manage raw materials, intermediate products, and finished goods. As you progress through the 10 levels you will learn to deal with labour strikes, supply shortages, disasters, insurance, hostile takeovers and credit ratings, or get beaten by your competition. IndustryPlayer’s Gold Version gives access to many exciting features that make the simulation more realistic and enhances your control. The Licence Analyzer provides statistics on profitability, historical sales, current licence ratings, and return on equity. A comprehensive Business Graphs package charts your sales, costs, cash flow, equity, debt ratio, and profit margin. The Supply Agent fully automates the purchasing process, and selects the best offers for raw materials. In game chat makes it easy to hold private meetings with colleagues, and even chat with your opponents. You can join with other players to make trusts and benefit each other. The Accounting Upgrade provides comprehensive accounting tools, including a balance sheet, profit and loss statement, cash flow statement, and material costs analysis. You can export your data to most spreadsheet programs for further analysis. IndustryPlayer is a game, a business and economic simulation and an educational tool, teaching the entrepreneurs of the future the skills and strategies required to succeed in the competitive world of big business. Will you succeed? Or will your business be swallowed up by the competition? Your success depends only on your management skills. Start your free trial now!

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Credit Money Machine - a Repair Credit Professional Business. Our software is designed for Credit Repair Professionals or a as Home Business Opportunity to enter into this lucrative industry. Ideal for Credit Counselors, Credit Repair Companies, Mortgage Brokers, Realtors, Accountants, Car Dealers, Debt Consolidators or anyone who want to open a Repair Credit. Additionally is a Complete Business Solution with Advanced Marketing Platform. Includes: Internet Form Filler, Follow up System, Tracking of Marketing Campaigns, Invoicing, Products and Inventory but more importantly,a Templates Manager system alreayd populated to repair credit but with unlimited capabilities, a Gateway Interaction System (to charge credit cards with practically all credit card gateways), a Parse System (to import the impossible-to-import), an Email Extraction System, a F.A.Q System (Frequently Asked Question System for support & training) a Free Form System (to organize everything from Passwords, to Health Tips), a Personal Agenda (so you don't mix you own affairs with client's), Scripts System (for telemarketing purposes, price list and more), Email System (replaces Outlook), a Payment/Commissions System (use it if you have affiliates or you are affiliate in any program and for all kinds of commissions, even recurrent ones), Follow-Up System to track everything you send or expect to receive in the future, Voice Recording and Playing (records phone conversations with ease) a Virtual Persona System (so you can use the program with unlimited companies at the same time, ideal if you have several small companies) and much, much more..

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Ideal for any business traveler, this glossary covers topics relating to banking and finance - from office practice to stock market and accounting terminology. The Glossary of International Banking & Finance Acronyms and Abbreviations (En-Ru) will be of value not only to professional traders, journalists, students, but to anyone interested in the mechanics and terminology of today's markets. Acronyms and abbreviations, pronounceable words of convenience formed from initial letters of other words, are frequently used in financial writing to concentrate the mind on the written subject. To lump them together in a general purpose dictionary is less helpful to the finance specialist who undoubtedly would find abbreviations and acronyms into a separate edition much more useful. This dictionary has been compiled to fulfill a subject order for abbreviations and acronyms. It is intended for students and professionals in the field of finance as well as private investors and the readers of the financial pages of newspapers. The new Glossary covers the expanding and influential field of foreign exchange, treasury, money and capital markets, sovereign and corporate debt, financial futures and options, public sector borrowing, mortgage-backed assets, equities, commodities, business loans and debt collecting, money supply, macro-economic terms, technical analysis and derivatives, government & local finance, central banking, and European finance. The private investor and borrower will find full coverage of terms relating to savings, stock-exchange dealing, mortgages, pensions, life assurance, and taxation. Expert participants (REUTERS) in the financial markets have checked the entries. The coverage is wide and international, with entries for the world's standard currency units and many of the financial institutions in London, New York, Tokyo, Hong Kong, Paris, and Frankfurt.

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This Multilingual Dictionary of Stock Exchange & Investment Terms meets the need for concise definitions of often highly technical terms for professional traders, journalists and students. Ideal for any business traveler, for home, school and office, it contains an extensive vocabulary, covering a wide range of topics relating to business - from office practice to stock exchange & accounting terminology in English, German, French, Italian, Russian, & Spanish. The dictionary (En/Fr/Ge/It/Sp/Ru) covers the expanding and influential field of forex (foreign exchange), treasury, money and capital markets, sovereign and corporate debt, financial futures and options, public sector borrowing, mortgage- backed assets, equities, commodities, business loans and debt collecting, money supply, macro-economic terms, technical analysis and derivatives, government & local finance, central banking, and insurance.

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Debt Eliminator Loan Calculator, this handy invaluable tool will allow you to forecast your loan repayments and help you manage debt, punch in a few numbers and create a report that you can pin up and tick off each month until you are debt free. With some research you can colsolidate loans, refinance and tweak your mortgage, handle your credit card debt. The need for cash advances can become a thing of the past if you can calculate wisely. The software is brought to you by Owl Consultants Group. 100% FREEWARE POSTCARD WARE, postcard ware means you have to let your friends know about it.

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Manages all your bills, appointments, tasks, contacts, payments, budgets and even helps to sort out your mail too. A unique organizer that focuses on centralizing all your activities in just one place and in one program. One of the many benefits is that it includes its own finance manager that is integrated into your daily diary. This means, along with your appointments and tasks, you are able to see any bills that you have and when they are due to be paid. There is no need to spend extra money on purchasing a separate accounting package, as there is one included for you. Simply enter your transactions in the Cash Register and let The Monkey handle everything. Another feature you will find of great benefit is the Letter Manager. One of the biggest headaches in running any home or business is keeping track of all the paperwork, bills, letters and mail. Fortunately, The Monkey can help organize this for you. Special utilities help to clear the backlog of mail, bills and paperwork in less than 60 seconds per item. This means even if you had a backlog of 60 items to sort out, you would be finished in just one hour. Other tools include a Contact Manager that manages and keeps track of all your contacts details. A Schedule Payment Manager that allows you to automatically configure regular payments to be deposited into your Cash Register, making sure you never forget when another payment is due. The Monkey also includes its own Budget Manager too that gives you essential information on projected expenses and income and this information lets you know whether all planned activities are financially feasible and whether more income needs to be raised or costs need to be reduced. By having a realistic, updated budget and comparing it with actual expenses, you are in a much better position to take control of your money. The Monkey takes all the things that you have to do from day-to-day and reminds you when it needs to be done. Simple.

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The MoneyToys(tm) web site calculator collection has grown again with the addition of a Very Simple Loan Calculator. The MoneyToys collection contains more than a dozen financial calculators which you can easily add to your web site and is available for only $139.95 USD.Installing these web site calculators is simple! In fact, if you've ever created a web page, you have the skills required to install MoneyToys. Simple step-by-step instructions and 3 sample web pages are included with each calculator. With a few lines of HTML and MoneyToys calculators a webmaster can quickly install online financial calculators so visitors can do financial math without leaving the web site.Each calculator can be configured to match a web site's color scheme. The calculators' default values can be configured to meet the needs of a particular real estate market. For example, whether a typical loan in your market is $150,000 or $500,000 you can easily set the initial values you want your visitors to see.The growing MoneyToys now includes a Home Seller's Proceeds Calculator, an APR Calculator, a Pay Down Debt or Invest Calculator, a Loan Spread Calculator, a Refinancing Calculator, a Biweekly Payment Calculator, a Buyer's Cash Requirements Calculator, a Simple Loan Calculator, the new Very Simple Loan Calculator, a Future Value of Savings Calculator, a Loan Comparison Calculator, a Discounted Cash Flows Calculator and a Rent vs. Buy Calculator.MoneyToys web site calculators quickly add helpful, interactive content to a web site giving visitors additional reasons to return.Purchase individual MoneyToys calculators for $39.95 or buy the entire MoneyToys collection for only $139.95 at http://www.moneytoys.com. These are one-time license fees. MoneyToys require no annual or traffic-based fees!

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ReportGuru Lite is a lightweight yet powerful tool to help brighten your financial future.
if you already have A-1 credit, this application is probably NOT for you. This product is designed for individuals who need to aggressively re-gain control over creditors, collection agencies, and major Credit Bureaus through leveraging the Fair Credit and Reporting Act of (FCRA).

This easy-to-use software allows you to generate correspondence to credit bureaus and debt collectors to help:
* Repair your Credit Report
* Stop harassment from Bill Collectors
* Build & Leverage the more effective communication & documentation
* Stop Aggressive debt collections
* obtain Free and updated copies of your credit report.


Flexible Letter templates allow you to Design, Deploy, and re-use your own letter formats.
The only limitations of the unregistered version is the ability to export to other Microsoft Office File types and there is a Watermark on printed documents. Registered version exports to formats such as .PDF,XLS,and .DOC.

With ReportGuru, you'll quickly unlock the power of financial freedom. Free to Try; 39.95 to buy.

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Fast Mortgage Estimator calculates your mortgage payments. This software is an easy to use tool for home purchase planning. Fast Mortgage Estimator shows monthly payment, total payments and total interest paid given the mortgage amount, interest rate, loan term and down payment option types.

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eZee FrontDesk is a general purpose hotel and motel software which is can be used as a hotel maintenance software, hotel reservations software, hotel management software, hotel billing software, hotel property management software (pms).
It is ideal solution for hotel having 10-100 Rooms.
Main Features include.
Hotel status from main screen with easy Check in Check Out
Reservation
Group Management/ Operations
Direct Billing/ City Ledger
Guest Snaps with Web cam at Various Stages of Stay
Full network support
Multiple rate and rate type support in single stay
Comprehensive User Management
Quick check-in through identification card swipe
Ability to change room for a rented room on any day of the Guest Stay
Well designed restore database operation for data recover at any stage
Transaction management with insert, delete and restore feature
Expense Management
Payment Authorization (Open credit card transaction)
Hotel Configuration
House Keeping
Lost and Found Management
Guest Message Recording
Address Book
Password protected Day blocking to secure data
Can edit any rental in the past, each day is shown in Windows explorer style tree view
Flash rooms whose rent is delinquent
Late check outs
Software may be configured at any time without impacting past rental data
UNDO room status facility with Reports
Bad Debt operation at transaction level
Guest database with advance search, export and import facility
Scheduled and Manual Back up of all data
Guest History
Multiple Rooms Status Updates
Weed out trouble customers by marking them as DNR (Do Not Rent)
Room Blocking for any transaction
Extended Help
Customized reports on demand available now.
Charts for better representation of data
Reports can be customize on certain level
Password protected reports
Additional Modules include Telephone Call Accounting, Credit Card Interface, Guest Pictures Interface, Point-of-Sale Interface, Swipe Card Reader Interface.


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You have some extra cash and wonder whether to pay off debt or to invest it. It's a decision some make without careful consideration. But it has long term consequences. This free calculator shows you the future effects of an investment versus the effects of paying down a current debt. You need only three number: the amount available to invest, the anual interest rate on your current debt, and your investment's annual return.This free financial calculator offers integrated help, provides automatic hints, and offers easy, free, online updates.

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AceMoney helps you organize and manage your personal finances quickly and easily. AceMoney is available in English, Spanish, Russian, Italian, Dutch, French, Portuguese, Polish, Hungarian and Swedish, with more languages to come. It supports all the features required for home or even small-business accounting.

With AceMoney, you can manage multiple accounts of different types: checking, savings, credit cards, loans, debt accounts, etc. You can even create your own specialized account types, such as cash allowances for the kids!

AceMoney makes it a breeze to create and manage your budgets. The program has more than 100 pre-defined spending categories, and you can define your own. You can set up budget limits for every category and track the difference between actual and budgeted values.

Do your financial math in multiple currencies, painlessly - the software supports more than 150 different currencies and automatically downloads their exchange rates from the Internet! Track your spending habits and see where the money goes. Generate reports by categories or payees, as tables or pie charts. Now you can really find out just where last month's paychecks went! Find all your withdrawals and deposits by any parameter.

Do on-line banking: download and import information from on-line banks in QIF, OFC and OFX formats. If you run a small business, export your data to HTML, XML, Text and CSV formats to generate statements or perform complex statistical analysis. Never miss a bill-payment date. AceMoney takes control of your finances and shows you when bills and income are due. Account information can be shared or password protected. Scheduled backup is automatic. Many other features are instantly usable without prior experience in accounting!

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AceMoney helps you organize and manage your personal finances quickly and easily. AceMoney is available in English, Spanish, Russian, Italian, Dutch, French, Portuguese, Polish, Hungarian and Swedish, with more languages to come. It supports all the features required for home or even small-business accounting.

With AceMoney, you can manage multiple accounts of different types: checking, savings, credit cards, loans, debt accounts, etc. You can even create your own specialized account types, such as cash allowances for the kids!

AceMoney makes it a breeze to create and manage your budgets. The program has more than 100 pre-defined spending categories, and you can define your own. You can set up budget limits for every category and track the difference between actual and budgeted values.

Do your financial math in multiple currencies, painlessly - the software supports more than 150 different currencies and automatically downloads their exchange rates from the Internet! Track your spending habits and see where the money goes. Generate reports by categories or payees, as tables or pie charts. Now you can really find out just where last month's paychecks went! Find all your withdrawals and deposits by any parameter.

Do on-line banking: download and import information from on-line banks in QIF, OFC and OFX formats. If you run a small business, export your data to HTML, XML, Text and CSV formats to generate statements or perform complex statistical analysis. Never miss a bill-payment date. AceMoney takes control of your finances and shows you when bills and income are due. Account information can be shared or password protected. Scheduled backup is automatic. Many other features are instantly usable without prior experience in accounting!

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AceMoney helps you organize and manage your personal finances quickly and easily. AceMoney is available in English, Spanish, Russian, Italian, Dutch, French, Portuguese, Polish, Hungarian and Swedish, with more languages to come. It supports all the features required for home or even small-business accounting.

With AceMoney, you can manage multiple accounts of different types: checking, savings, credit cards, loans, debt accounts, etc. You can even create your own specialized account types, such as cash allowances for the kids!

AceMoney makes it a breeze to create and manage your budgets. The program has more than 100 pre-defined spending categories, and you can define your own. You can set up budget limits for every category and track the difference between actual and budgeted values.

Do your financial math in multiple currencies, painlessly - the software supports more than 150 different currencies and automatically downloads their exchange rates from the Internet! Track your spending habits and see where the money goes. Generate reports by categories or payees, as tables or pie charts. Now you can really find out just where last month's paychecks went! Find all your withdrawals and deposits by any parameter.

Do on-line banking: download and import information from on-line banks in QIF, OFC and OFX formats. If you run a small business, export your data to HTML, XML, Text and CSV formats to generate statements or perform complex statistical analysis. Never miss a bill-payment date. AceMoney takes control of your finances and shows you when bills and income are due. Account information can be shared or password protected. Scheduled backup is automatic. Many other features are instantly usable without prior experience in accounting!

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