There are no warranties with these programs or their supporting files. The programs verify their own integrity (including a careful check of the help file), so do not use virus protection that changes the file; you will get a file-integrity exception and be unable to use the program until you remove the inoculation. The programs are designed to be capable of being run without reading the directions; remember that "real (wo)men" don't read directions! If you have some knowledge of the subject of the program, you should be able to use it without difficulty. They have been tested thru Windows 98 and should work with most language versions, although the programs themselves are 100% English.
If you discover a functionality that you think should be in the programs, please drop me an E-mail making your request. Particularly with ANNUITY, I want these programs to be the best at what they are trying to do. They should not crash and they should be very fast and accurate, regardless of your needs.
Download files (zipped programs or zipped mortality tables) by placing the mouse pointer over the name of the one you want, then, while holding the shift key, click the file name. All files must be unzipped for use. They are not self extracting - to reduce the risk of viruses. All programs remain the property of Lohmann International Associates.
Each program includes a WIN9x PIF file (called a "DOS shortcut" in windows explorer). The PIF expects the programs and all support files to be on your "c:" disk in directory "LOHMANN." If this is not the case, change the properties of the shortcut (.PIF) file to reflect actual location. The PIF file is not a security check file and can be changed to meet the requirements of your system. The PIF sets the programs to run in a window so that you can cut needed information and paste it in other applications where needed.
Each program has security elements. It checks to make sure that no changes have been made to itself or any of the support files provided with it after unzipping. If any change is detected, the program will halt with a serious "File compromised" message. Note that you should be very careful not to "save" the help file if you are reading it with a wordprocessing program as they sometimes add a few bytes here and there and these programs will fail when they check the ".TXT" file and discover the change. If you get such a message and you are sure you do not have a virus, please get a new copy from this site. Decrement tables added after you have started using ANNUITY are thoroughly checked for integrity but do not have to remain on your system. The original ones must remain available. Except for the original ".ZIP" and any ".PIF" files, do not erase or alter any of the original files. The original .ZIP files can be safely deleted, although you may want to keep them for backup.
AMORTIZE (shift left-click the name to download) is a DOS-based amortization schedule generator. It permits you to enter the various elements concerning your mortgage, then creates a schedule for the dates you want. Shows actual dates instead of merely payment numbers. Very useful in checking interest deductions reported by your mortgage holder at tax-time. Updated for year 2000 issues, you can now start an amortization schedule after 12/2001.
ANNUITY (shift left-click the name to download) is a DOS-based life-annuity present value (single-shot) generator. It does not use commutation functions, instead relying on first principles including compound interest for payments more frequent than annual; this will produce differences from other programs that use the less accurate commutation methods and simple interest. Specially formatted decrement tables are used to produce the key certain (guaranteed), single-life and joint-life annuity values instantly (even on a "286" - remember them?) including joint-life with separate tables for each life or double-decrement (independent). It permits select interest rates up to an interest change for every year of the remaining life of the subjects. It also produces some esoteric, boring and not-so-useful factors (joint annuities with pop-ups for example...union administrators check it out!)
Note that individual mortality values are not available from the tables here; the tables are specially formatted to preserve integrity of the programs and to avoid copyright issues where a particular table may be owned by an individual or organization. Lohmann International Associates owns the copyright for this particular presentation and the algorithms used are trade secrets.
The following decrement tables are available. If yours is not here, please send us the Q's and we will format the table and post it. As with the programs, place your mouse pointer over the table you want, then hold the shift key and click the left button. Please note that, as always, you should check results to ensure that these programs meet your needs; there can be errors in the decrement tables due to an error in original sources or in transcription. When notified of errors, we will endeavor to correct them. Also, where the creators of any particular table did not close it off with 100% mortality, we have added one more year and closed it with 100%.
INTERVAL (shift left-click the name to download) calculates the number of years between two dates (Julian or Japanese or mixed), to the day (counting leap years) of the year, the day of the month and the three monthly rounding rules - up, really round, completed. It's fast and accurate and does Japanese calendar dates also. Stop using fingers and toes, the program knows! Use it to see how old you really are, then use ANNUITY to see what a life annuity for you is worth!
Note that INTERVAL ignores the 6 or 7 days that make up Showa 64 and treats them as Heisei 1. If enough people complain about this, I'll fix it.MORTGAGE (shift left-click the name to download) calculates the best deal in competing mortgage situations by determining the underlying true yield from all of the points, etc. It's fast and accurate. Use it to make your next best deal.