1 Overview
Contents
1. cccscescesseeeeesensenseesensenseeees 16 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide 3 Quality Engineering These are some of the things we have taken time and effort with in order to build you a high gs quality product We could have taken shortcuts in any of these areas but chose not to Like anything of quality the benefits are understated and not always obvious on the surface or at all Many of these are like passive safety features in a well made car which keep you out of bother without you noticing You owe it to yourself to take these into account when assessing value or comparing with alternatives e Written in excellent self contained programming language Delphi You don t have to download or maintain monolithic shared libraries such as Java or Net Framework e Excellent user interface logic conventions aesthetics amp ease of use current look and feel e Co operates with system security firewalls No bundled Adware or Spyware or other Nasty 100 guaranteed e Youcan choose from 70 colour schemes e Comprehensive context sensitive help system including links to Web based multimedia examples and training e Includes PDF User Manual 150 pages and calculation examples 250 pages e Fast execution speed e Efficient file sizes with fast de compression e Includes all conventional windows application elements icons tips ab2. CALIN Professional 3 Engineering amp Detailed Specifications Table of Contents Quality Engineering acca esessisreecseocisececwomnemanesieenin 3 Appointments that make use easier and faStel ccccccescecceesececeeeseecceeseeecseseeceeseeessneeessaneeesseass 4 Tiered interest rates can be imported exported for reUSE ccccsseeeececcseeeeeeeeceeeeeeeeesaeeeeeeeesaeaeeees 4 Settings button gives direct access to forms without having to tab through Wizard screens 4 Settings View lets you hide wizard screens you don t usually USE ceceeeeeeeeeeeeeeeeeeeeeeeeeaeeeeees 4 TE UNS Ed O aeaa E EE EAE EE EAA 5 IESG CACO S arene A E E E I E A E EAAS 5 Set up form lets you set a number of default values so you don t have to enter them each time 5 The full Help menu is available from anywhere in the ProQram ccccssececceseseeeeeeeeeeeaeeeeeeeeeeeeenees 5 Feature i rencide A 6 BASC EC UO rea E E E E OE EEEE E ee E 6 ANCE km o 0 gt e E E E E E 6 Detailed Specifications ccccceeceesceeseeeeceeecnseeneeessonsscnssenseneeeneseees 7 Multiple Transactions i e a series of debts and payments DR CR cccccccecesseeeeeeeesaeeeeeeeeaeeees 7 Repayment Planner cccceeeccccseeececeeeeeeeceeseeeeseeeeeseaseeeesaueeesseueeeeseaeeeeseuseeessageeeeseeeeessaeeeessneesssaeeess 7 Moratorium Interest RateS cccccccccsssceceeececeeeeeseeeesseeeeceaeceseeeeese
3. e Manually Configure Rounding of Annual to Daily conversion e None e Round Up e Round Down e Truncate e Set number of decimals 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide 9 All kinds of interest rates including rates that change with the amount Rate of Interest e No interest e File Rate e Tiered Rates o Rate changes over time e g 10 from 10 1 2005 then 9 from 30 9 2006 etc o Rate changes over time amp by size e g 2 5 to 10 000 then 3 5 to 29 000 etc e Static rate e g 10 e Same as Debits CR rates only Timing of Rate Changes e Floating rate changes every time a new rate is available e Always use initial rate e Always use final rate e USA Federal algorithm e Review June amp December e Scheduled o N Days apart o N Weeks apart o N Months apart o N Years apart o End of Calendar month o June 30 and December 31 o June 30 o January 1 July 1 o Specific dates o Fine tune regular dates o Synchronize with another date e g contract date e Relative Date Adjustment o Previous Monday Sunday o Go back even if is that day of week 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide 10 Timing of Interest Accrual e Daily e Scheduled o N Days apart o N Weeks apart o N Months apart o N Years apart o End of Calendar month o June 30 and December 31 o June 30 o January 1 July 1 o Specific
4. 2007 Lawtech Aust Ltd V200709 12 www calinpro com
5. Calculates interest on multiple transactions e g credit card lease instalments amp payments bank overdraft legal fees rendered paid tax and insolvency scenarios 2 Check interest rates charged on own credit cards bank overdraft store accounts etc Handles compound interest Repayment plans for better management of debts Full control over every aspect of calculation to best emulate particular contracts legislation etc 6 Can even discount future lease etc payments to Present Value See Specifications topic for a complete survey of features 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide 7 Detailed Specifications Multiple Transactions i e a series of debts and payments DR CR f e No limit on the number of transactions e Can have different transaction due dates to allow for 14 etc day terms and bank processing time like on credit card statements e Can discount future amounts e g discount amount payable on future lease instalments e Transactions can have different transaction amp post dates e Non principal transactions that affect running balance but don t attract interest These are items on which interest is not legally payable for some reason Might include legal costs bank charges etc e Control order in which payments are applied i e to principal interest or non principal e Date calculation tools e g instantly calculates every
6. More Information e You can download atrial copy of Calin Professional from http www lawtech com au index cfm id 99 7 amp cid 8 amp UCL 1 amp pw B604B9F023D98 6250EE65A7EC4D046B1 e You can see the order form at htto www lawtech com au index cfm id 997 amp cid 9 amp UCL 1 amp ow 050FC8FF39907 C49578BCOACBD82E805 For more information in this series you can download e Complete Information Guide contains all the following http www lawtech com au index cfm id 997 amp cid 11 amp UCL 1 amp pw 4CC9E8FA7D7 0891E10271B90D67172B0 e Overview htto www lawtech com au index cfm id 997 amp cid 10 amp UCL 1 amp ow 8691AEF4B009 85CA86D7988A8A9F56A2 e Top 5 Reasons to Invest amp Have you considered http www lawtech com au index cfm id 997 amp cid 12 amp UCL 1 amp pw 32A9F11A7705 57EF42DE269AA7CFAE89 e Engineering and Detailed Specifications http www lawtech com au index cfm id 99 7 amp cid 13 amp UCL 1 amp pw 75F99D59C79A 0ED728003468230FE358 e Three Example Calculations htto www lawtech com au index cfim id 997 amp cid 14 amp UCL 1 amp ow E35F2CC57BD FB907FB114A6EE 7E02B9D You can also e See the on line multimedia examples and training videos at http www calinpro com examples e Download a PDF file showing all the example calculations from http www lawtech com au index cfm id 99 7 amp cid 3 amp UCL 1 amp pw 7FC615B0047 A85C7 997420744BE1FAA8 amp
7. lease instalment date Repayment Planner e Calculates applicable repayment dates and amounts even after allowing for ongoing interest payments moratoria etc e Also handles ad hoc payments e g also pay x on Y e Can match first repayment date with interest calculation date e Specify number of instalments e g like 12 loan repayments e Specify End Date e Repayment Intervals o N Days apart o N Weeks apart o N Months apart o N Years apart o End of Calendar month o June 30 and December 31 o June 30 o January 1 July 1 o Specific dates o Fine tune regular dates o Synchronize with another date e g contract date e Control Target amount and Tolerance e Control number of Iterations 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide el Moratorium Interest Rates e Override nominal interest rate e No limit on number of date spans or rates e Effect of moratorium is fully narrated as part of the calculation result e Can have separate rates for Debit and Credit balances Reusable Interest Rate Files e Rates can be stored in own file for reuse or part of the calculation e Every possible interest calculation setting can be stored as part of the file so user can select the file rate and not worry about any other setting Calculation Options Days per Year e Calendar year e 365 25 e 366 e 365 e 360 Payment Application Order e Best for Debtor e Best for Creditor
8. alin V3 Professional Information Guide 12 N S W Interest Rates e Local Court Pre Judgment e Local Court Post Judgment e District Ct Pre Judgment Sch 5 e District Ct Post Judgment e Supreme Court Pre Judgment Sch 5 e Supreme Court Post Judgment e Plus you can add your own A C T Interest Rates e Magistrates Court Pre Judgment commenced before 15 7 92 e Magistrates Court Pre Judgment commenced 15 7 92 to 9 1 05 e Magistrates Court Pre Judgment commenced after 9 1 05 e Magistrates Court Post Judgment e Supreme Court Pre Judgment e Supreme Court Post Judgment e Plus you can add your own Victorian Interest Rates e Magistrates Court Pre Judgment e Magistrates Court Post Judgment e County Ct Pre Judgment e County Ct Post Judgment e Supreme Court Pre Judgment PIRA e Supreme Court Post Judgment e Plus you can add your own S A Interest Rates e Supreme Court Post Judgment e Plus you can add your own 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide 13 N T Interest Rates e Local Court Post Judgment e Supreme Court Post Judgment e Plus you can add your own W A Interest Rates e Local Court Pre Judgment e Local Court Post Judgment e District Ct Pre Judgment e District Ct Post Judgment e Supreme Court Pre Judgment e Supreme Court Post Judgment e Plus you can add your own Queensland Subscription Module Your su
9. dates o Fine tune regular dates o Synchronize with another date e g contract date Timing of Compounding e Daily with rounding e Daily without rounding e Scheduled o N Days apart o N Weeks apart o N Months apart o N Years apart o End of Calendar month o June 30 and December 31 o June 30 o January 1 July 1 o Specific dates o Fine tune regular dates o Synchronize with another date e g contract date e Annual e Same as interest accrual 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide 11 Dr amp Cr Options e Adjust by or times X e Rounding of nominal annual rate o None o Round up o Round down o Truncate o Program default o Set decimal places e Min Max rates Rates on Credit Balances e Virtually all of the above options are available to define different interest rates that apply on credit balances Australian Subscription Module Federal Interest Rates e Family Law Act Post Judgment e Federal Court Post Judgment e Federal Magistrates Court Post Judgment e Income Tax General Interest Charge e Income Tax Late Payment e Plus you can add your own Queensland Interest Rates e Magistrates Court Pre Judgment e Magistrates Court Post Judgment e District Ct Pre Judgment e District Ct Post Judgment e Supreme Court Pre Judgment e Supreme Court Post Judgment e Plus you can add your own 2007 Lawtech Aust Ltd V200709 12 www calinpro com C
10. e 12 AC FEADER Loo eee a et eee ee ee ee ee eee ee 12 Victorian Interest ALCS ssa scceec2ccncd eaccdersatssicyeauisockspncsecbswededeessdiots enseenensk estnel aaanebantemssecteesieceeseecoeab ued 12 Pat Ere RAS saya at ctnctnncisaeaseea scp enbeoanaaaiaeawenncusnneaust oaeasocbenmiabsbutenrectsna iat bassanicaenmeahsbupereceenaiaestones 12 INE Fo WL CV OSU A Oo rr sb aeseceatenasadet usecoese cee eet sasanoeu atest eb anseranteneest te aey 13 W Pie NIMS Wael UG Scat sperssaeectssaanst aetqeacteneeseetaseasoseentieeebosvanectaccaets or seeceeueesee aatosoctenn sabe tuaeasocenteeeeb ues 13 Queensland Subscription Module cssssssssssssssssssessssesssseesseeseeeseeeeseseessseeeeeeeeeeeeeeeeeeeeeees 13 MUDIS RODO Scstrcch sacannt batacscoa tetas etnaassientaokarunseresvnaasnelmiiscate tarde E 14 DEE 0 00 e ee ee ee EE eee E A EE eer 14 TONIC TOU MAA eee a E E E A E 14 PrOD a Oe eee E ee eee EE EER 14 Date display TORII pestesetiensaapeniea Dnarioneindnamedaawnhenssaouaanindatidh ons taceisfanissamntahesmtnuasreninbehearieminanebenaNawmeasstrnanndutnnsds 14 Default Days per YOM ccccccsssccccseseecceesececcesececsugeeecsaueeecseseeessueeesseueeeeseuseeessgeeessneeessaseeeeseass 14 Paragraph numbering to Match your style ccccseecceesseeeeeeeeeeeeceeeeeeeeeeeeeeeeaueeesseueeessaeeeesneeeeeeseess 15 AIL VSO LACM ccatacrnadksanenmsned pont E E E 15 OT e PaP Seene EEE E E a 15 Try or Buy and More InformatiOn
11. eeesecessaeeessueeeseeeessaueessueeetsueeesaaees 8 Reusable Interest Rate Files ccccccccccccsscecceseeeseeeseeeeceaeeeseueessecessueeessaeeeseueeesausessaeeesseeeesseeeesaes 8 Calc ulaliom OPHONS eee mene ene teeta i a eee ee eee 8 Days per Vodi eeen E E eens E E E E 8 Payment Application Order ccccccccsssseccecceeseeceecceesseceeessasseceeecsaueeeeesseeaeeeesseaaeeeeeesaaaeeeesssaageeeeenaas 8 Rounding of Annual to Daily CONVEYSION cccccceeeeeeeceeeeeecseeeeeseeeeeessaeeeeeeaaeeeeseaeeeessaneessaaseeessass 8 All kinds of interest rates including rates that change with the amount ccccseeeeeeseeeeeeeeeeeeeeeees 9 FLOP UCN See ated at crc aie creeite sue arees EE OE NO 9 ming OF Rate CHange S oenina neeaae DEAKES EAEE NEATE EENAA EENEN aR 9 TIMING of INTENEST ACCA va ccitannancrieestanecininannsediasduutinasusdesiicduaimesasledsdasdssihonaeusd ected iventasanibedestensdiansenis 10 Timing oi Compounding eve cesitcnesncesasestsvencecnnicdesassnudcnacentaadastcuacntcmsidbavesenesosaseuvasdacuerecneesuabavasesesecessa s 10 BELELO E AE N A E ET A A AAE 11 Rates On Credit Balances ccccccccccsseccccessceeceeeceeceeeceeceeeecesseeeeeeseueeeesseseceeseaeeeessaeeesseaeceeseeeeeeas 11 Australian Subs ripton Mod le cessisse a na ra 11 FEJDE T RA e ee ee E eee eee eee ee ere 11 Queensland Interest Rates easiness gta eae dnt aen at cin niniin aaa ai aaa los 11 DES AEOS fo gt eee ne et eer ee eee ene eee ee
12. m Setup Date display format e mm dd yyyy e dd mm yyyy e yyyy mm dd e mm dd yyyy e dd mm yyyy e yyyy mm dd Default Days per Year e Calendar year e 365 25 e 366 e 365 e 360 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide 15 Paragraph numbering to match your style e None e 1 2 3 e a b c e iij iil e A B C e 1 2 3 e A B C Mail merge facility e For Multiple Case database e For single calculations e To Microsoft Word Microsoft Excel WordPerfect and any other comma separated variable aware program Other Capabilities e Context sensitive help system e Default Interest Rate on Debit Balances e Default Interest Rate on Credit Balances e Mail Merge Folders e Your Custom Interest Rates folder e Default calculation file location e Theme appearance 70 to choose from e Reset button lets you restore factory defaults with a single click e Interest rate review there are many ways this is done C3p handles every method used by Australian courts USA courts British courts e You can define same or totally independent interest rates on credits balances and debit balances e Precise specification of interest and compounding intervals and dates e Built in database for calculating in batches 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide 16 Try or Buy and
13. n gives direct access to forms without having to tab through Wizard screens e Interest settings DR e Interest settings CR e Calculation Options e Transactions Editor e Repayment Planner e Moratorium Settings Settings View lets you hide wizard screens you don t usually use e Foreword e Calculation Options e Repayment Planner e Moratorium Settings 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide 5 Transactions Editor e Shortcut Keys o Ctrl D New Debit o Ctrl C New Credit o Ctrl S Save transaction o Esc Undo edit e Recurring Amounts Tool lets you define and insert recurring lease dates pay days etc e One button correction to change type of transaction DR gt CR etc e Can set default due date 14 day terms etc so don t have to enter every time e Transactions can be exported and re imported More import options are being developed e g to import from bank statement downloads etc Miscellaneous e Undo When you make changes on a settings form you can Cancel out of it if you change your mind thus undoing any changes e All forms have large icons with captions so that shortcuts can be accessed quickly and without any confusion e Wizard screen counter keeps you informed and oriented about how many steps are involved and where you are in the sequence Set up form lets you set a number of default values so you don t have to enter them each time e Day
14. out splash help setup shortcut keys e g F1 amp Alt F4 etc so you feel right at home e State of the art industry standard installation program e Advanced exception handling including automatic emailing to us of system errors should they ever occur e No upload monitor system service or other process is installed to run in the background to covertly bleed away your computer s strength Have you ever pressed Ctrl Alt Del to see how many processes are running and sapping power like so many leaches Calin Pro does not do this e Stable code calculation engine is derived from Calin Basic which has been in use for many years e Subscription interest updates are easily updated over the Internet 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide A e Advanced registration code amp methods for easy management of licences e Respects standard Windows behaviour and resources file systems registry file associations system tray amp system files etc e Internal checks amp balances reports alert user to anything they should know about e Discrete connections to Web for management of updates online help and links etc e Written by very experienced Lawyer Software Developer for seamless application of legal principles into computer language Appointments that make use easier and faster Tiered interest rates can be imported exported for reuse Settings butto
15. pport staff can easily calculate interest no matter how complex the scenario calculate scale and scale costs produce the R150 3 statement and produce all particulars for you Furthermore this is done rapidly and all the typing is done as well e Calculates Scale Costs e Produces UCPR Rule 150 3 Statement e Statement of Claim interests scale costs particulars R150 3 e Default Judgment interest scale costs particulars e Enforcement Hearing interest scale costs particulars 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide 14 Multiple Reports Text format e Very detailed narration of calculation explains every step in Plain English This provides evidential force and is easy to charge for because of quality amount and speed of presentation e All figures are given in words as well as amounts e Gives calculation span e Shows amount accumulating per day e Shows starting Principal Interest Rate amp Payment Application Order e Shows every rate change e Explains exactly how debits and credits affect balances e Can control paragraph numbering to match your normal format for easy integration Table Format e Shows every calculation step e Shows day interest rate e Tracks Total Principal Interest and Non Principal Balances e Can be used as schedule to letters of demand etc e Calculation Notes explain underlying assumptions and issues Progra
16. s per Year e Paragraph numbering method e Default debit and credit interest rate files e Mail merge folder e File save location The full Help menu is available from anywhere in the program e Help My Notes gives access from anywhere in the program to notes you can write about the calculation e Context sensitive help e Direct email for Support e Open the User Manual or Example Calculations e Go direct to the Lawtech Home Page e Go direct to Multimedia examples and training resources on the Internet 2007 Lawtech Aust Ltd V200709 12 www calinpro com Calin V3 Professional Information Guide 6 Feature Overview pet Basic Features P 1 Extremely detailed narration of all calculations that explains everything thus dramatically increasing authority versus opponent s calculations that imply trust me Know what I m doing and I ve calculated it perfectly even though have no evidence of that No more calculating day elapsed between dates No more looking up interest rates Court rates for all Australian jurisdictions available Save your own interest rate files Save calculation file for recalculation later Results can be cut and pasted Simple wizard system for ease of use Context sensitive help oe ee et Oe ee a a S 0 Not reliant on Internet connection that can be down at a crucial time See Specifications topic for a complete survey of features Advanced Features 1
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