2018 Jan 4: current version 1.4.4

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1.4.4 (2018 Jan 4)

• Various - Maintenance release improvements and some new features.

Profile

• Design - Significant changes to improve user interaction and task simplification.
• Accounts - Significant changes to improve user interaction and task simplification.

Install

• Code Cerfificates - Latest certificates improved security.
• Minimise user steps - Reduce user intervention

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1.3.0 (2015 May 28)

Profile

• Design - Significant changes to improve user interaction and task simplification.
• Contract Accounts - Improve link and storage of contract accounts plus access to historical contract accounts from Open & Save form.
• New: Borrower rental Income - Store rental income plus optional post to Financials
• New: Borrower Employer - Store employer income plus optional post to Financials.
• New: Borrower Images - Store photos and digital media.
• New: Property rental Income - Store rental income plus optional post to Financials
• New: Security - Store loan security for Properties, Motor vehicles, Watercraft and Generic goods items.
• New: Attachment Documents - Link to external documents and files.
• New: Attachment Templates - Merge RICalc data to your own documents.
• Financials - NSI, DSR and NSR new rules. Show Rv on text boxes and Paste to EE.
• Poverty Lines - Restructure PL and download data and improve append to Financial expenses.
• Chart of Accounts - Restructure all classes and some account numbers.
• SACC and MAC templates - Improved templates.
• Statement/Schedule" - Improved "Basic Statement.
• New: Statement/Schedule - Schedule Summary overall view.

Functions

• AUS_PL - Henderson Poverty Lines function for Australia.

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1.2.94 (2014 August 4)

Financial

• New: Annual Fees - Option for ongoing fees In Advance.
• New: End of Month day - Option for last day of the month on a short month.
• New: Multi-Streams zero rates - Calculate payment for multi-streams with no interest.
• New: SACC templates - SACC loans templates with 1st fee In Advance.
• Adjust Instalments - Improve Smooth Adjustments on last payout or refund payment.
• Root finding - Increase accuracy from 8 to minimum of 12 decimals (mostly near 16 decimals).

Functions

• PAYG - 2014 PAYG tax rates for Australia.

Install

• Code Cerfificates - Improved code security on Instal, Executable, DLLs.
• Minimise user steps - Overhaul of Express install; reduce user intervention when this option is selected
• Silent Install - New setup parameters for silent install.

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1.2.93 (2014 January 8)

Financial

• New: Interest Rate from Cap rate - Calculate Interest Rate given a Cap Rate.
• New: Account True rate max - Max rate % to warn of rate maximum limit.
• New: Account Templates - Account templates as base for custom accounts.
• New: Account Filter data - View selected sub group of data.
• New: Account Adjust last transaction - Adjust last transaction by numeric value or your own formula.
• New: Account Calculator settings - Financial calculator custom lock control settings.
• New: SACC and MACC functions - Functions to automate data input and validations on Australian SACC and MACC loans.

Expression Evaluator

• Code flow control - Overhaul of interpretative language code and better conditional control.

Help & Tutorials

• New: SACC and MACC - Tutorials for Australian SACC and MACC loans.

Install

• Win registry / Win Folder locations - Reduce user admin-rights requirements to standard non-admin rights.

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1.2.92 (2013 July 2)

Financial

• Profile / Account / Borrowers / Guarantors /Financial forms and sub-forms - Layout improvements
• Statement - Layout simplification and enhancements
• General - Improvements

Inflation

• New: Dataset - Based on 2011/12 reference base.

Graphing

• New: Eval - calculator.
• New: Derivatives - New methods in Multi-precision and improvements in precision.
• Optimize - Root finding methods, Brent, Riders, Bissection, etc .

Functions

• New: Functions - Time, Maths, Trigonometry and other methods.

Registration

• General - Improvements.

Help & Tutorials

• Format - Html help.

Install

• Setup - simpler, lighter and faster installation.

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1.2.9 (2012 July 2)

Financial

• New: Profile / Account - Overhaul of Profile and Account administration layers
• New: Profile - Borrowers / Guarantors forms and sub-forms.
• New: Profile Financials - Loan approval assessment panel.
  
           Borrower financial accounts, Income , Expenses, Assets, Liabilities.
  
           DSR - Debt to Service Ratio
           NSR - Net to Service Ratio
           LVR - Loan to Value Ratio.
• New: Associated Entities - forms and custom template enhancement.
• New: Reports - Set of reports for all forms in admin layer.
• New: Financial calculator - User formula and reverse calculation improvements.

Investment

• New: Real to Nominal cash flows - Conversion to/from enhancements.
• New: Real and Nominal graph - Side by side graph of actuals + inflation.

Functions

• New: Functions - Functions and tax formulas for AUS PAYG income tax.

Expression Evaluator

• New: Code flow control - Conditional statements for code flow control, block and single line IF, SELECT, LOOKUPs, etc

Statistics

• New: Functions - Miscellaneous functions.

RIPad

• New: RIPad memo - Embedded memo notes with maximize view.
• New: Text format - Enhanced text format features.

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1.2.8 (2010 July 12)

Financial

• New: Statement / Schedule - Account reference on print reports

Graphing

• New: User drawings - manually draw circles, squares, rectangles and lines on the graph.

Expression Evaluator

• New: Auto-Entry - option to ignore or save new expressions into history list

General

• Cumulative maintenance release.

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1.2.7 (2008 May 15)

Financial

• New: Statement / Schedule - Account Notes for comments and annotation on statement/schedule form.
• New: Statement / Schedule - Ruler to help visual row location.

Inflation

• New: Indices updates - Option to download and update calculator with latest CPI indices for AUS and USA.
• Inflation: CPI indices - Updated historical CPIs as of May 2008.

Graphing

• New: High precision derivative - Calculate derivative in arbitrary multi-precision.
• New: Integral graphs - Plot graphs for Integral and derivatives.
• New: Areas and Lines - Plot areas and lines by coordinate points.
• New: User drawings - Tools for graph annotations and comments.
• Improved: Interface - New visual controls.
• Improved: Minimum and Maximum - bracket location.

Statistics

• New: Functions - Means, distribution, correlation...

General

• Improved: Setup installation - Detect program use and other minor adjustments.
• Window Vista: Form movements - Main calculator screen to form positioning.
• General maintenance release.

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1.2.6 (2007 Dec 14)

Investment

• New: Export to Financial calculator
  Cash flows conversion to the financial calculator into Savings or to Loan account.
  View statement and interest calculation from an investor or from a borrower view point with tools from financial calculator.
• Improved: XNPV and XMIRR
  Improved calculations for irregular periods and dates.

Financial

• New: PV and Interest Rate reverse calculations
  Now possible with any type of irregular and embedded transactions.
• Improved: Lease factors
  Conversion to/from interest rate.
• Improved: Account / Profile
  Form loading, associated links and in-place RIPad word-processing.

General

• Improved: Functions
  Improved layout.
• General maintenance release.
• Inflation: CPI indices Updated historical CPIs as of Nov 2007.

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1.2.5 (2007 Sep 28)

Financial

• New: Lease factors
  Calculate leases with money factors.
• New: Statement selection by dates
  View and print statements within date selection.

General

• New: Function search
  Search functions database by keywords.
• Inflation: CPI indices Updated historical CPIs as of Sep 2007.
• General maintenance release.

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1.2.4 (2007 May 25)

Financial

• New: Account administration layer
  Account details + Comparison panel + Transaction colours.
• New: Profile administration layer
  Contract profile, Borrowers, Guarantors, Properties + Others administration.
  Define your own custom fields
• New: Costs & Fees formula
  Select a pre-set formula or create your own.
• New: Retirement wizard
  Funds & Annuity future income projections.
• New: Statement / Schedule - Form
  Transaction form + manual transactions input from within the statement.
• New: Statement / Schedule
  Improved layout and reports.
• Overhaul of: Forms layout. Improved layouts and user interface.

General

• Improved Discounted Cash Flow, Inflation, Functions, options, Date Calculator etc.
• Inflation: CPI updates Updated historical CPIs as of May 2007.

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1.2.3 (2006 October 18)

Financial

• Improved: Statement / Schedule New view basic layout with save custom options.

Graphing

• Improved: Equation solver. Fix move to one side equation on bracketed functions.

General

• New general rounding for Graphic, EE, Functions.
• New Help on 'Essentials' and 'How to basic operation'.

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1.2.2 (2006 August 16)

Financial Financial

• Improved: End of Month. Better control of interest/deposits for last day of the month.

Graphing

• Improved: Trace plot. Resizing and maximize.

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1.2.1 (2006 July 5)

Financial

• New: Statement / Schedule - Integration.
  Better integration with EE and Tape. Multiple cell selection + sums.
• Improved: Report headers. Select stream headers view.

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1.2.0 (2006 May 8)

Financial

• New: Statement / Schedule - By year.
  View individual fiscal or calendar years.
  Status bar Payments, Fees and Interest totals.
• Improved: Chart - Zoom.
  Finer zoom control.

General

• Maintenance release for Graphic, EE, Functions, more tutorials + better visual appearance.

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1.1.9 (2006 Mar 31)

Financial

• New: Chart Fees & Taxes costs - Term Deposits / Fund / Annuities.
  Optional graph plot investment costs.
• Improved: 360 days EURO - Period dates.
  Improved Period date start up for 360 days EURO.
• Improved: Registration - Proxy connection.
  Improved registration process thru proxy net connections.

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1.1.8 (2006 Feb 16)

Financial

• Maintenance release with better control on Annuities, Other Transactions and Formula payments.

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1.1.7 (2005 Dec 12)

Financial

• New: Muti stream calendar day start - Payments & Interest.
  Payments & Interest Deposit days can be set per individual stream.
• New: Account fields - Extra fields to better identify an account.
• New: Date/time tracking - Data changes are now date/time stamped.
• Statement & Schedule better integration with Account Details.

Investment

• New: Multiple scenarios - several investment rates.
  Compare up to 5 investment rates within the same set of cash flows.
• New: ROR and MROR - effective or nominal rates.
  Qualify investment returns as nominal or as effective rates.
• ROI as a ratio or as as percentage.

Graphing

• New: Solver Min & Max - Local extrema.
  Solver Minimum and Maximum methods.
• Improved: Solver - Initial bracketing.
  Improved start up bracketing points for root finding methods.
• New: Plot - maximize/normal graph.
  Buttons to maximize/normal buttons.
• New: Slides - Examples.
  View graphing examples on an animated slide show.

General

• Improved: Registration - automated.
  Improved full license registration process.
• USA and CA country states.

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1.1.6 (2005 Aug 11)

Financial

• New: Statement holidays - Statement & Schedule.
  Transactions falling on state public holidays can move to next or previous business day.
• New: Interest rounding - Custom options to control rounding.
  Calculations are rounded standard as before and now down or up.
• Statement & Schedule improvements for bank statement reconciliation.
• Statement & Schedule better control of interest rate changes for exact dates.

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1.1.5 (2005 Mar 23)

Financial

• New: Calendar days - Business days.
  Transactions falling on weekends can move to next business days as before, and now to previous days.
  This allows payments to occur at first or on the last day of the month.
• New: Calendar Interest days - Extra options.
  Number of interest days for calendar calculations with more options.
• Improved: Fix / Adjust - Smooth payments.
  Improved re-payment adjustment to avoid large final payout or refund.
• General maintenance and security implementation release.

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1.1.4 (2004 Oct 1)

Expression Evaluator

• New: Multi-precision - output format in MP.
  Multi precision is now easier in EE. Select MP format in EE, and most expressions are calculate to an arbitrary precision. MP was available in Functions and now also in EE.

Graphic

• New: Solver - root finder methods.
  Solver with 7 different methods.
• New: Plot - maximize graph.
  Option to maximize graph to full screen for better plot control.

Financial

• Improved: Ongoing fees - sync with 1st deferred payment.
  When payment is deferred, ongoing fees are now also deferred by default.
  You can overwrite this behaviour with Other Transactions.

Web home page

• New: WWW - public release of this web site: www.dbcom.com.au

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1.1.3 (2004 Jul 02)

Financial

• New: Graph - for Mortgage / Loan / Lease.
  Graph with Interest, Principal, Cost & Fees and Balance.
• New: Summary report option - Choose report graph.
  Option to choose Line, Bar or the above graph, to include in the report.
• New: RIPad - word notepad.
  RIPad to store temporary results or document notes.

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1.1.2 (2004 May 17)

Financial

• New: Interest type - new type for US Rule method.
  (The US Rule method does not allow accruing of interest when installment amount does not cover the principal)
• New: Smooth payment - option to smooth installments.
  To avoid a final large payout or refund, you can now smooth the final amount across installments.
• New: Gradient payment - option to vary the base installment amount.
  Payments and Deposits installments can change by a gradient % or by a fixed value or by your own formula.
• New: Lease - lease and Hire-purchase now separated.
  New option to control number of payments and timing of residual installment.

Rate conversion

• New: Real rate - equivalent rate after inflation.
• New: Tax rate - equivalent rate after tax.

Investment

• New: Nominal or Real cash flows - qualified or converted to / from.
  Cash flows can now be qualified as nominal or real, or convert to / from, given an investment and inflation rate.

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1.1.1 (2004 April 6)

Financial

• New: Deferred payments - determined from dates.
  Calculated automatically when the Term is defined in exact dates or period dates.
• New: Schedule/Statement - better integration with existing tools.
  On mouse over, view number of days between dates.
  On double-click on date, open Days between dates.
  On double-click on schedule row, drill down to corresponding statement row.
  On double-click on statement row, scroll formula or description into view.
• New: Costs & Fees - formula amounts.
  Costs & Fees amounts can now be calculated by your own formula.
• New: Screen capture - copy to clipboard.
  Toolbar button to copy form to clipboard.

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1.1.0 (2004 Jan 14)

Financial

• New: Period date - periods can now be determined by dates.
  Number of periods can now be determined from period start and end dates.
  As before the Term can be defined in whole periods or exact dates and now also in period dates.
• New: Partial period - allow partial last period.
  Form Terms in periods, the last period may end with a partial period.
• New: Help & Tutorials - new chapters.
  More than 100 tutorials.
• New: Options - several new customer options to control startup and user requirements.
• Improved: True rates - improved algorithms.
  Faster, enhanced and adjusted to government rules automatically.
• Improved: Formula payments - new variables.
  New runtime variables to improve formula-payments.

 

Older versions

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Version 1.0, October 2003 was the first official controlled release.