Calin Basic - User Manual
Contents
1. Getting Started 7 how long a particular rate of payment will take to extinguish a debt or alternatively show the exact rate of payment needed to extinguish a debt or reduce it below a specified threshold ADVANTAGES UNIQUE FEATURES It is essential for all litigation and commercial lawyers all accountants and all credit departments of other organisations The product is better than existing software because it has a simple but complete user interface stores frequently used tiered interest rates e that saves time looking up the rates and saves accuracy applying them In particular it avoids completely the need to calculate the number of days within each interest rate span e the output is ready to paste into documents or can be read into word processing or spreadsheet files e the program prints a fully formatted schedule showing how calculations were achieved ready for annexure to court and other documents INCREA SED EFFICIENCY The software can dramatically increase the efficiency and accuracy with which interest calculations both simple and more complex can be performed In the case of more complex needs such as interest over many years with many interest rate changes together with compounding rules software will save many hours whilst retaining perfect accuracy System Requirements The following hardware and software is required to run Calin amp Basic Edition For Microsoft Windows An Intel Pentium 1332. H 5 lee pote fe ee ee CCE Le e Calculate and merge multiple calculations cases to Word or WordPerfect precedents ideal for bulk debt recoveries Transactions can include items that don t attract DM eg legal costs etc as well as leviable items m scale costs for Queensland Magistrates District and Supreme Courts Software written and supported by experienced commercial litigation lawyer Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 1 3 6 Calin V3 6 5 Basic Ed Overview of Calin Basic Edition Main Form gt Calin Basic Ed V3 0 0 0 CALIN Basic Edition 3 Principal 10 000 00 4 E Ef A Calculate Report T Format Help i First da A Y 15 02 1995 hd Interest iz calculated daily with optional compounding Last day 15 04 2007 z 1 Click Calculate Rate Style Single Pate m 2 Click Report or down arrow to select output destination Rate 10 00000 8 ther Interest on First day LJ Interest on Last day Compound Interest Ma Days per Year Calendar Year Report Title Calculation Result Calin Basic Edition V3 6 5 is a software package that provides a quick and easy solution for calculating simple tiered or compound interest and repayment plans on contracts and for litigation purposes Calin Basic Edition provides quick and professional solutions to a common need felt
3. L AW TI E C H CALIN Basic Edition 3 2 Calin V3 6 5 Basic Ed Table of Contents Foreword 0 Part I Getting Started 3 Dy WWEICOING ARTI WW IL MUTTER 3 2 Basic v Professional EdItIOnS ss cias ku aia FER n EFRVRER E ARERNAER CERE ERRRYSEREEERENENVR EN KVERRER SERRE FVOE ER ENTE 3 3 Overview of Calin Basic Edition eee eroe eene rennen nnne n enun nnnm nura nu nun nnn nu 6 4 System Requirements nasa crt vo Gn ex Fo RO RE Rol Ro EROR OR a 7 D MerSIOD usar a HERE PEEL ORO FC EA C ER ER ave ll V ER MK aria READ CE ERR ELA iR 7 6 Installing Ee eT 9 7 uic Canin nsc LIII IIIDLIILMIIIIEID ie 9 S Download PFODIGITIS issus ass uda NACH VEDI GA aaa RANA KE CA EN BaRN RENE nos asso TR RUN tetes ensc 10 9 Guide To Using The User Manual eeeeeoee ie oee eene nne n uan aun uua u uuu uuu u uana nua 10 10 Getting o a 10 MEO RE 11 12 REOISTFALION EE 12 Part II Tutorials 12 1 Tutorial OVerVIeW inopi cix a niei Gi i b Ra i RO esse c ER CO COE EROR RR FR RTL RR 12 2 Tutorial 1 Daily Interest Calculation eeoee eere eren nnne nnn nnne unn 12 3 Tutorial 2 Hie RATS a orsicxoamacnekda inne DOCE Rd eoi na oO EROR CER Rl ERR i 14 4 Tutorial 3 Adjusted File Rate e LeieLeeeiee ie eer erae n enean annua annua uaa u uuu u unu a nan 15 5 Tutoriair4 Other Mte V AUS iiic ie ec c EE ER ER OD RIGEOGER DR ODER CER ODER RN GR LR CUR
4. periods Calculate repayment plan what regular payment is v POE to reduce the debt to X amount by Y date Ad ced Advanced list of dates and payment amounts that P debtor must comply with Calculate interest on leases credit cards store P Es professional bills etc M i ut AIS 1 i n T tt N x N t of Sj 3 nar Us TER Advanced narration of calculation in text format regardless of changes in principal rates moratorium days per year etc Specify days per year assumption n reports in rich text format RTF that you can paste into other programs User can create their own interest rate files v Context sensitive help file v Calculation takes into account transaction due date e 14 days as well as the nominal date Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved s t Ale K Getting Started 5 Feature Basic Professional protes sional Qid Ed Specify and store tiered interest rates i e that change according to the amount of principal as well v as date Outputs merge file of results fields that you can ne with Microsoft Word and WordPerfect Can automatically discount future payments for example when calculating interest and principal due under a breached lease Automatically calculates and inserts recurring dates such as the dates that payments under a loan or lease are due
5. 01 07 1995 01 01 1996 0101 1997 01 07 1997 01 01 1958 01 07 1999 Replaced by G L O Interest Rates c dataicalin3siiexeVibtederalitedtxlat ciz Step 4 of 4 Default Interest Rate a choui Default Interest Rate at rate shou E used for dates that 10 000055 occur before the earliest specified 10 will be used if you don t enter a different rate Edit current file To edit an existing file select from the drop down menu the file you want to edit This will display the above screen Edit the details there Apply no rates If your calculation has selected an interest file but you want to remove it but without replacing it with another then click this button Alternatively you can click the Edit Current File item to open the editor From there you can select Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Calin V3 6 5 Basic Ed any other file Most Recently Used MRU Files Whenever you select a file from the menu it s name is displayed in a list above the main interest folder list This means that you can select recently used files with a single click rather than delving depending into the menu structure to find it 2 7 Tutorial 6 Repayment Plan Repayment Plans are calculated through the drop down menu of the Calculate button Bi Clear Inputs Ctrl tB Repayment Plan You will then be presented with a screen allowing you to either a Calc
6. 10 000 00 L First day 15 02 1995 Last day 15 04 2007 Rate Style Single Rate gt Rate 10 00000 Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 14 2 3 Calin V3 6 5 Basic Ed Compound interest Yes with Rounding This will compound interest daily At the end of each day interest is rounded to the nearest whole cent Yes without Rounding This will compound interest daily Interest is only rounded at the end of each span of dates Days Per Year Days per ear 365 25 days year This setting controls the conversion of annual interest rates into daily interest rates Calendar Year This choice chooses the number of days in the year at the end of a calculation span A span will end causing a recalculation on the 31 December of each year that precedes a change in the days in that year This will occur on every 31 December prior to the start of a leap year and on 31 December of every leap year 365 25 This is the average number of days per year allowing for the common leap years 365 366 360 Self explanatory Tutorial 2 File Rates Rate Style You can select from three interest rate styles File Rate Adj File Rate Single Rate This is a simple rate such as 10 File Rate Copyright O Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Tutorials 15 File rates use changing interest rates stored in a file Y
7. Enter the number of units if asked Tutorial 5 Interest Rate Files You can create any number of interest rate files and choose them from the drop down menu on the main screen This menu shows the interest rate files installed on your computer broken into different States Provinces and or countries When you click the down arrow on the Adj File Rate menu you will see a menu something like this one Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Tutorials 17 new rates file ta ATO Late Payment ACT Federal Mew South Vales Northern Territory Queensland south Australia Tasmania Victoria Western Australia gy Other A Edit current file 4 Apply no rates ex 1 Interest Help k k k k d k k k d Create new rates file To create a new file click this item You will then be shown the following screen Use the Next and Back buttons to navigate through the guide When you have finished entering data you will be asked to save it somewhere The menu above displays all files that have been displayed in the program s Lib folder The Save dialog box will automatically take you to that folder You can either save the file under an existing folder or make a new one A folder called Custom Rates has been provided as a convenient place to save your own files If you do not save the file under the program s Lib folder then it will nor be automatically dis
8. Tutorial 1 Daily Interest Calculation This tutorial shows you how to start a new calculation Rate Style You can select from three interest rate styles Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Tutorials 13 File Rate Adj File Rate Single Rate This is a simple rate such as 10 File Rate File rates use changing interest rates stored in a file You can make as many files as you need to contain Court rates contract rates bank rates etc Simply select the file from the menu below the Rate Style selection Adj Hle Rate This is the same as File Rate except that it allows you to adjust the interest rates contained in the file by a defined percentage For instance you can can calculate interest on a contract that stipluates interest at ABC Bank Overdraft Rate 2 by storing and using an ABC Bank rates file then entering 2 in the field provided Daily Interest Calculations Daily Interest calculations do not involve a specific timetable for applying interest such as Calculate interest monthly They assume that interest is calculated daily You can optionally compound interest daily as well Select the Daily tab Interest on First day LJ Interest on Last day Compound Interest Ma Days per Year Calendar Year Enter Principal First Day Last Day Rate Style and say whether interest should be calculated on the First and Last Days Principal
9. almost daily by every litigation commercial and accounts department within the legal profession and business organisations Suitable for all English speaking decimal based currencies eg AUD CAD Euro HKD NZD PGK USD It calculates compound interest and interest that is debited at specific intervals It stores tiered interest rates such as Supreme Court rates that change from time to time and bank lending rates used as a reference point in business interest agreements It saves time and increases accuracy of everyday calculations For routine cases it addresses the tediousness and time consumption involved in applying interest rates that change from to time For more complicated cases involving a specific timetable of interest debits and compounding it saves a large amount of time processing the math It enables practitioners and their clients to implement retainers and contracts that stipulate interest on overdue accounts linked to finance costs Because finance rates tend to change frequently it is a daunting prospect to manually calculate the interest on accounts and therefore the exercise is avoided despite the loss of interest income that results It also helps solve problems associated with delinquent accounts The software will model repayment plans that allow for periodic interest debits and produce a schedule which shows either Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 1 4 1 5
10. not only need accurate interest calculations but the immediate means to justify and particularise their calculations in court pleadings and other crucial presentations This edition is quick and easy to use and is designed for relatively basic situations I suggest you now look at the Basic v Professional Editions 3 page to survey the capabilities of the Basic Edition in comparison with the Professional version Your suggestions for improving the software are welcome Just send your feedback to feedback calin com au For legal assistance etc or conversion to other jurisdictions please contact me atchambers tlewisQgldbar net or visit my website www tlewis info Lawyers who need a good date calculator with all the tools you need to make decent chronologies etc might like to try the multi award winning Ultimate Date Calculator Regards Lawtech Aust Pty Ltd Trevor Lewis B Com LL B Barrister at Law November 2009 Basic v Professional Editions Calin is available in two models Basic and Professional There is also an add on to the Professional version for Queensland practitioners This table clarifies the differences between each model i Professional Apply multiple interest rates based on date rate changed Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 04 Calin V3 6 5 Basic Ed Feature Basic Professional Eee ne EN XE Ed Store
11. AR ACORDE 16 6 Tutorial 5 Interest Rate FIGS iiie tds aora i onore E RO CEA ar cr dic 16 7 Tutorial 6 Repayment Plan ssscsscssdsctsscdncascsncnassneccenacacncccucnecandsicnscnssusscaesscussuacasnadandasen 20 Part III Calin Basics 21 B PINGING EET EIOS OUT TI TITULI UIT 21 2 HOW to Recalculate ooservvrenn i iori Rino oor wi dc Ra Enn ab Ea n a Rd OL CUBO ER RT ERE d an ER 23 3 Calculation Men saevi n rbi Cub doen Go i RO Rr DER C CUERO Ra UO A ER EROR EAR RD 23 A PrinE MENU ieu ca d en nn AF EE nn UNS CERO EN CR RMN ADU E EROR A MIRA ERE EUN 23 D FORMAT Men eer 24 O SID MENU sis dan ia S RRRTE ns abs ea a DRE sac tan nee ions A 24 7 Program Updates ee et 25 Part IV Glossary 25 1 Navigator Bars eek Vez vev ea donner usa ER FREE RES senv ne CU s se eee nee usage sers REE aria 25 2 Splasn Screen Son nd nn a dis ets nus 26 Part V Help File Contents 26 Index 28 Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 1 1 1 2 Getting Started 3 Getting Started Welcome Thank you for using Calin Basic Edition V3 6 5 I am a practising barrister with a special interest in software technology amp intellectual property law and the finer points of family law superannuation see the SuperSolver software that I wrote for Australian family lawyers I previously practised as a litigation solicitor from 1993 I wrote Calin for legal and accountancy practitioners who
12. asic Edition start with the tutorials The tutorials introduce you to the main features of Calin Basic Edition The User Manual contains instructions and information for using all the Calin Basic Edition tools and commands It has been provided in several digital formats You can access it through the program by selecting Help Manual A4 Portrait The manual is provided in Adobe Acrobat pdf format In the unlikely event that you do not have a copy of Adobe Acrobat Reader on your computer you can obtain it free from http www adobe com products acrobat readstep2 html and many other sources Getting Help The licence requires you to follow these steps consult licence for current wording 1 Help File Consult the on line help that is built into the software You can access it through the main menu or through the help speedbutton on the main toolbar You can also go directly to help on a particular area of the screen by positioning the cursor on the item of interest and pressing F1 2 Manual Consult the manual including the Table of Contents and Index 3 E mail Lawtech Having followed those steps you may then contact Lawtech through the e mail facility built into the software Go to the main menu and select Help Ask Lawtech This will create a new e mail that has been properly addressed to the appropriate Lawtech department Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Gettin
13. by storing and using an ABC Bank rates file then entering 2 in the field provided Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 16 Calin V3 6 5 Basic Ed 2 5 Tutorial 4 Other Intervals 2 6 Other Interval Calculations l Daily Apply Interest Day s apart Das FHS Always on First day Always on Last day Apply Compounding Mone Other Calculations involve a specific timetable for applying interest such as Calculate interest monthly Apply Interest Select the interval between each interest debit You can select a number of different intervals Some intervals eg Week s apart require you to specify the number of units eg 4 weeks Enter the number of units if asked Always on First day If you select this then interest will be applied on the very first day of the calculation period even if the selected interval would not have selected that day You probably do NOT want to select this option on most cases Always on Last day If you select this then interest will be applied on the very last day of the calculation period even if the selected interval would not have selected that day You probably DO want to select this option on most cases Apply Compounding Select the interval between each compounding event You can select a number of different intervals Some intervals eg Week s apart require you to specify the number of units eg 4 weeks
14. ce is additional to separate licensing terms User s risk The resources are intended to be free of errors and defects but they are not warranted to be The User is taken to acknowledge that all Software is potentially flawed particularly in light of the ever increasing range of environments in which Software is required to operate Furthermore the resources are not intended or priced to survive intense scrutiny in all circumstances any reliance is at the User s own risk The program reports expose every aspect of the calculation for independent verification by the User Not legal accounting or financial planning advice The resources are not held out to be advice of any such kind to any party and must not be relied upon as such The User indemnifies the Supplier for any reliance made by or through the User Licence You are reminded of the conditions of licence which state amongst other things that any Copyright Lawtech Aust Pty Ltd 2000 2009 under licence Allrights reserved 12 1 12 2 1 2 2 Calin V3 6 5 Basic Ed defect or suspected defect must be reported immediately so that investigation and any necessary action can be taken as soon as possible Copyright The software including it s look and feel published text and report formats are Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Dictionary User includes the user s agents employer clients customers famil
15. creen 2e Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Calin V3 6 5 Basic Ed Index A About 24 Access Key 12 Acknowledgments 11 Acrobat Reader Obtain Program 10 Adjusted File Rate 15 Adobe Acrobat Reader 10 Ask Lawtech 10 24 Benefits 6 Build 7 ET gee CD 9 Clear Inputs 23 Computer 7 Copyright 11 Mv Days Left Evaluation 12 Demonstration Program Time Remaining 12 Disclaimer 11 Disk Space 7 download 24 25 Download Problems 10 Errors Download 10 Evaluation 9 Time Remaining 12 F FAQ 10 24 Features 6 File Location 12 File Rate 14 15 Fonts 24 Format 24 TT Glossary Navigator Bar 25 H Help Getting 10 Licence 10 Manual 10 Procedure 10 Help Menu About 24 Ask Lawtech 24 On Line Evaluation 24 Order Form 24 Other Products 24 User Manual 24 How to Recalculate 23 Ts Install 9 Installation Screen 9 Installing CalPi 9 Interest Rate File Edit 16 New 16 Scan Path 16 Interest Rates 14 15 Internet 9 E s latest 25 Legal Acknowledgments 11 Copyright 11 Disclaimer 11 Licence 11 licence 10 11 Access Key 12 Registration 12 M Manual Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Index Manual A4 Size 10 E T z Guide 10 Letter Size 10 Text 23 Printing 10 Tiered Rates 14 15 Memory Required 7 Tutorial Missing New Calculation 12 Document 24 Ove
16. e EF to Document File Replace repeated amounts with This menu allows you to choose from a variety of destinations The last used destination will be displayed on the face of the print button Replace repeated amounts with This option controls whether a sign is used in table reports to denote that a cell is the same value as the one immediately above it This choice makes table reports easier to read and makes it easier to locate changes in interest rates etc Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 24 Calin V3 6 5 Basic Ed 3 5 3 6 Format Menu Restore defaults Repart Title A Column Heading Table Text Document Text Report Footer This menu allows you to change the font used in different parts of the report Help Menu EF MEP Table of Contents F 3 Manual 44 Portrait amp Check for Updates fat La wtech Home Page 5 Ask Lawtech eA Update Licence About Help This menu item will display context sensitive help for the selected item if there is any otherwise it will display the Help File Contents page of the help file Table of Contents This menu item will show the Help File Contents page of the help file Manual A4 Portrait This menu item launches Adobe Acrobat to display the User Manual that you can optionally print In the unlikely event that you do not have a copy of Adobe Acrobat Reader on y
17. een installed you can access it by clicking the icon called Calin amp Basic V3 that was installed on your Desktop screen 6 You will then need to install the activation codes that will have been e mailed to you Activation codes are not needed for evaluation versions Re installing Calin Re installing From Internet 1 Point your browser Internet Explorer Netscape etc to http www lawtech com au index cfm id 997 amp cid 7 amp UCL 1 amp pw 16FF7CD7F132DF9CA3A53B10BA63B482 and follow the instructions to Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 10 1 8 1 9 1 10 Calin V3 6 5 Basic Ed download the installation program 2 Carefully note where you have saved the downloaded install program Install C3b exe 3 Choose Start Run Click Browse and choose the file Install C3b exe Click OK in the Run dialog box to begin the installation 4 The program will ask you whether to Modify Repair Remove the existing installation choose Repair Download Problems If you encounter an error when attempting to download Calin 9 Basic Edition from the internet which says Your current security settings do not allow this file to be downloaded then the security setting on your browser may be set to High Proxy Server If Internet Access is via a proxy server then you need to enter the details in Help Proxy Server Guide To Using The User Manual If you are new to Calin B
18. g Started 11 1 11 Legal LICENCE The licence for your edition of the program can be accessed via the splash screen 26 whenever the program starts COPY RIGHT Copyright O Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved The manual may not be copied photocopied reproduced translated or converted to any electronic or machine readable form in whole or in part without prior written approval of Lawtech Aust Pty Ltd The software may not be copied reproduced translated or converted to any electronic or machine readable form in whole or in part without prior written approval of Lawtech Aust Pty Ltd and the intellectual property owner Portions of this software are Copyright c 1993 2003 Chad Z Hower Kudzu and the Indy Pit Crew http www IndyProject org WEBSITE http www lawtech com au SUPPLIER This software is supplied by Lawtech Aust Pty Ltd ABN 76 070 802 121 PO Box 2250 New Farm Qld 4005 Australia www lawtech com au Tel 1800 016 048 Fax 1800 019 509 NOTICE amp DISCLAIMER Disclaimer The software calculations and reports the resources are intended to be and are provided strictly on the basis that they are mere aids and do not excuse the User from exercising the degree of independent care and skill appropriate to each situation The User must satisfy itself that the accuracy of the program is fit for the particular purpose for which it is used This noti
19. interest rates in Store interest rates in file for reuse for reuse Apply interest at user defined intervals E Apply compound interest at user defined intervals Select interest rate files from easy to use menu Use simple interest rate eg 10 Adjust prevailing interest rate by plus minus or remm rer mp rm X Select date range using Select date range using drop down calendar down calendar Say whether first and or last date is included in the m E REN EH a mt interest on simple principal i e a single E amount Calculate interest on Calculate interest on multiple transactions transactions Save calculation to file Store a mini database of calculations on simple amounts of principal T a mini database of calculations on multiple transactions Store rates that change from a certain date Program when interest rate reviews occur rather than assuming that new rates are to be used as soon as a new one is available Narrate the interest calculation in plain text using plain English A iled Detailed Print the calculation in table format Print the calculation in table format ted ei peice pes rate review settings that can handle all known jurisdictions See eee interest on credit balances as well as debit Te balances Separate interest rates for debit and credit balances interest rates for debit and credit balances astitsts Spec moratorium interest rates for one or more Em
20. or equivalent processor running Windows 95 Upgrade 98 2000 NT XP Vista 128MB of RAM plus 15MB of available disk space a colour monitor and a CD drive unless installing from the internet in which case you will need internet access You need Internet access to use the Help Check for updates function Version The exact version of your copy of the program is displayed in the splash screen 28 when the program starts and on the main caption bar of the main form You can also access version and registration information by selecting Help About 24 from the main menu Technical Information about Versions 3 6 5 0 12 11 09 Added Help Proxy Server form 3 6 4 0 11 11 09 Added option of setting a proxy server via options ini file Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 8 Calin V3 6 5 Basic Ed 3 6 3 0 10 11 09 More logging of automatic download to trace problems better Added rates Build number amp date in About Better bin v download notifications Online checking Interactive progress bar 3 6 2 1 9 11 09 New Install version with stronger overwrite settings no change to Application 3 6 2 8 11 09 Tweaked the downloading system always overwrites lib files rather than by crc change Converts MRU location from Program Files to Application Data 3 6 1 7 11 09 Fixed SaveDialog for web page report 3 6 0 6 11 09 Added Web page amp Outlook email rep
21. orts 3 5 0 6 11 09 Moved Lib c3x dat c3x log lawtech ini to application data folders in deference to Vista prohibitions on modifying Program Folders files When user clicks check for updates is told the result either way and if not updated told how to edit the rate immediately 3 4 1 4 11 09 Updated RBA rates plus needed reprogramming for move to different web host 3 4 26 10 09 Fixed unreported but potentially serious albeit very noticeable bug involving conversion of Exponent number strings eg 5 3111E 6 that could have caused the annual interest rate to be used as if it were the daily interest rate 3 2 1 1 17 10 09 Fixed bug with updater always saying it updated interest file ie false positive Due to float errors in timestamps Help versions updated 3 2 1 0 5 10 09 approx Rebuilt with latest rates 3 2 0 0 10 9 09 Removed updating frequency and replaced with always check but using silent threaded download 3 1 1 4 6 8 09 Added Never option to updating frequency 3 1 1 3 5 8 09 Fixed Licensing engine which a wasn t automatically providing a 14 day evaluation b wasn t giving AusRates Downloads start at No 1 not No 2 V 3 1 1 2 Improved rates updater fixed evaluation version installation inconsistencies 3 1 0 0 4 8 09 Changed updating system to CalinXApp Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 1 6 1 7 Getting Started 9 3 0 4 1 16 07 2009 Added cu
22. ou can make as many files as you need to contain Court rates contract rates bank rates etc Simply select the file from the menu below the Rate Style selection Principal 10 000 00 L First day 15 02 1905 Last day 15 04 2007 Rate Style Single Rate Rate 10 00000 Adj Hle Rate This is the same as File Rate except that it allows you to adjust the interest rates contained in the file by a defined percentage For instance you can can calculate interest on a contract that stipluates interest at ABC Bank Overdraft Rate 2 by storing and using an ABC Bank rates file then entering 2 in the field provided 2 4 Tutorial 3 Adjusted File Rate Principal 90 000 00 3 First day 31 05 2004 Last day 31 05 2006 Rate Style Adj File Rate ATO Late Payment T Adjust 1 500 Rate Style You can select from three interest rate styles File Rate Adj File Rate Single Rate This is a simple rate such as 10 File Rate File rates use changing interest rates stored in a file You can make as many files as you need to contain Court rates contract rates bank rates etc Simply select the file from the menu below the Rate Style selection Adj Hle Rate This is the same as File Rate except that it allows you to adjust the interest rates contained in the file by a defined percentage For instance you can can calculate interest on a contract that stipluates interest at ABC Bank Overdraft Rate 2
23. our computer you can obtain it free from http www adobe com products acrobat readstep2 html and many other sources Check for Updates This menu item connects to Lawtech s site and downloads the latest set of interest rate files and the latest general installation file if other parts of the program have changed Lawtech Home Page This menu item will launch your internet browser and take you to the Lawtech home page Ask Lawtech This menu item will launch your e mail program and insert Lawtech s e mail address so you can conveniently send an e mail to Lawtech Update Licence Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 3 7 4 1 Calin Basics 25 This menu item can be used to enter new activation codes supplied to you following a licence renewal About This menu item displays the program version licence status and copyright information Program Updates The program continuously changes in two ways Firstly the data interest rates change as changes occur to the rates in each jurisdiction Secondly the software program itself is progressively improved All you have to do to keep abreast of changes is to connect to the Internet then choose Help Check for updates This will check whether the data or the program has changed If the data has changed then it will be downloaded very quickly If the program has changed then the new installation file will be downloaded for yo
24. played in the menu however you can still select it by clicking the Other item in the menu in which case you will be able to browse your computer to locate it Your job of locating such files will be made easier because the menu always shows the most recently used files at the top see below Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Calin V3 6 5 Basic Ed Interest Rates c data calinssiiexelibWederal tedtxlat ciz Saas Step 1 of 4 Menu Name Use the Back and Next buttons in the Mame that will be showen in menus lower right hand corner to move from ATO Late Payment screen to screen Give these rates a name This name will be shown in selection menus Example Federal Court Interest Interest Rates c data calinssiiexe HESS EP TTA EP Les E RE eee e me Late Payment Interest step 2 af 4 Description Give a description explaining where these rates came from and the situations in which they should be used Optionally paste links to internet addresses showing legislation that sets the rates or bank interest web page etc Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Interest Rates C datacalinistexeNibiederaltedtxlat ci2 EE tal 4 01071992 nter the interes rate the date that it 01 01 1993 started and optional 01 07 1993 comments such as the 01 01 1994 source of this information 01 01 1995
25. rs CPI and other key data for Australian personal injuries practitioners
26. rview 12 Manual 24 Order Form 24 U N zs update 25 User Guide 10 Navigator Bar 25 User Manual 24 New 12 Using Interest Rate Files 14 15 New Calculation 12 Vy O version 7 25 On Line Evaluation 24 Operating System 7 zn W zx Order Form 12 24 Other Products 24 Welcome 3 Overview Windows 7 CalPi 6 p PDF Files 10 Print 23 Problems 10 R RAM 7 Rate Style 12 Recalculate 23 Registration 12 Re installing Calpi 9 Repayment Plan 20 23 Report 23 S Scan Path 16 Security Alert Error 10 Server 9 Spreadsheet 23 System requirements 7 Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved LAWTECH www lawtech com au The Lawtech Family of Productivity Software Products CALIN Professional PERSOLVER Professional PERSOLVER Standard Ed ULTIMATE DATE CALCULATOR 2 ge ce altel ULTIMATE DATE CALCULATOR Home Edition CALPI Personal Injuries Math Advanced Interest calculations for Professional offices Small Business and Investors Interest calculations for changing interest rates and compounding Family Law Superannuation Valuations for Valuation Consultants Family Law Superannuation valuations for Lawyers Accountants amp Financial Planners Advanced chronologies amp all other date applications for lawyers and other professionals and business Everything to do with dates and planning for home use Multiplie
27. stom exception handler for Interest Rate editor so user who has entered a bad date format doesn t get full exception notice Reinstalled Exception handler licence so not displaying as non commercial version V 3 0 4 0 Updated interest rates V 3 0 3 2 Installation file change only to formally add Vista support V 3 0 3 1 Changed days between user prompts to check for updates from 14 to 21 Automated bug reports now include screen snapshot and details of current calculation V 3 0 3 0 Changed days between user prompts to check for updates from 28 to 14 V 3 0 2 Interest rates updates only Installing Calin Follow these steps to install Calin Basic Edition on your PC NB If you have a previously installed copy of Calin 9 Basic Edition on your computer you may need to go through these steps twice as the first time will uninstall your previous copy See section Re installing CalinI 9 Installing From Internet 1 Point your browser Internet Explorer Netscape etc to http www lawtech com au index cfm id 997 amp cid 7 amp UCL 1 amp pw 16FF7CD7F132DF9CA3A53B10BA63B482 and follow the instructions to download the installation program 2 Carefully note where you have saved the downloaded install program Install C3b exe 3 Choose Start Run Click Browse and choose the file Install C3b exe Click OK in the Run dialog box to begin the installation 4 Follow the on screen instructions 5 Once the program has b
28. t Ha Days per Year Calendar Year Report Title Calculation Result Ep HiTech 2 Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 22 Calin V3 6 5 Basic Ed Calin Basic Ed 3 0 0 0 CALIN Basic Edition 3 Principal 10 000 00 C at First d E ME te 15 02 1995 Interest is calculated daily with optional compounding xU 15 04 2007 x 1 Click Calculate Rate Style Single Rate 2 Click Report ar down arrow to select output destination Rate 10 00000 Interest on First day 7 Interest on Last day Compound Interest Ma Days per Year Calendar Year NextGen Green Interest is calculated daily with optional compounding 1 Click Calculate 2 Click Report or down arrow to select output destination El Interest on First day U Interest on Last day compound Interest Days per Year EA calculation Result Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 3 2 3 3 3 4 Calin Basics 23 How to Recalculate Click the Calculate button to recalculate Repayment Plans are calculated through the dropdown menu of the Calculate button tB Fepayment Plan Clear Inputs clears the value of Principal etc Repayment Plan brings up the repayment plan screen Print Menu E to Outlook Draftz folder E to Web page Print Setup AX to Spreadsheet Fil
29. u If you have not checked for program updates within 28 days the program will remind you to do so Glossary Navigator Bar Example Previous Final Delete Save Haefresh First ext Insert Edit Cancel Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved 26 Calin V3 6 5 Basic Ed 4 2 Splash Screen LAWTECH Trevor Lewis Lawtech Aust Pry Ltd valid To 30 08 2007 75 days left v 3 0 0 0 hd I consent to the user agreement Exit including restriction on liability Help File Contents Getting Started Welcomel 3 Basic v Professional Editions 3 Overview of Calin Basic Edition 6 System Requirements 7 Version 7 Installing Calin 9 Re installing Calin 9 Download Problems 10 Guide To Using The User Manual 10 Getting Help 10 Legall11 Registration 12 Tutorials Tutorial Overview 17 Tutorial 1 Daily Interest Calculation 12 Tutorial 2 File Rates 14 Tutorial 3 Adjusted File Ratel 15 Tutorial 4 Other Intervals 16 Tutorial 5 Interest Rate Files 16 Tutorial 6 Repayment Plan 20 Calin Basics Theme 2 How to Recalculatel 23 Calculation Menul 23 Print Menul 23 Format Menul 24 Help Menul 24 Program Updates 25 Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Help File Content Glossary Navigator Bar 25 Splash S
30. ulate the dollar amount that is needed to repay an amount at a defined frequency by a defined date eg How much must be repaid per fortnight to reduce the principal to 1000 by 12 12 02 E Repayment Plan M E x MEM What rate to repay by a specified date rl Repay by date Eimar Neis Repay Every Weeks apart Weeks ze First repayment 22 04 2007 Reduce to 0 00 b Calculate how long it will take to repay an amount at a defined frequency by a defined date eg How long will it take to repay principal if fortnightly payments of 200 are made Copyright Lawtech Aust Pty Ltd 2000 2009 under licence All rights reserved Tutorials ogpasugunsnt Df Repay Every Weeks apart Weeks e First repayment 23 04 2007 Reduce to 0 00 Calin Basics 3 1 Theme You can click the Change Appearance button to select different colour schemes eg Autumn Calme Basic Ed W3 0 0 0 CALIN Basic Edition 3 Principal 10 000 00 z il gm ay Calculate Report Format Help First d aaa 15 02 1995 is Interest iz calculated daily with optional compounding Last da E 5 04 2007 1 Click Calculate Rate Style Single Rate 2 Click Report or down arrow to select output destination Rate 1U 00000 65 Interest on First day LJ Interest on Last day Compound Interes
31. y and any third party that relies on the report Applicable Law The State laws of Queensland and Commonwealth laws of Australia Registration Evaluation Edition The standard evaluation edition of this software enables you to use all of its facilities for 14 consecutive days commencing on the date that the program is installed You are not permitted nor is it technically possible to continue to use the program or reinstall a subsequent evaluation edition once the evaluation period has expired Registered purchasers are licensed to use the software for an indefinite period See the licence agreement that is displayed at program startup Time Remaining The number of days remaining in the evaluation period is displayed on the splash screen 2e when the program starts You can also access version and registration information by selecting Help About 24 from the main menu Activation Code When the evaluation edition of the program starts it shows a Splash Screen 26 that includes a link to the licence If you are prompted for an Activation Code then you must enter it before continuing Tutorials Tutorial Overview These tutorials will teach you a number of common tasks Tutorials Tutorial 1 New or Edit Calculation 12 Tutorial 2 File Rates 14 Tutorial 3 Adjusted File Ratel 151 Tutorial 4 Advanced Level Calculation 16 Tutorial 5 Interest Rate Files 418 Tutorial 6 Repayment Plan 20
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