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The "Cost of Sin" Financial Calculator

Do You Like Money?

Do You Want To Save 

More in the Long Term?

Then See Below!!

The "Cost of Sin" 

Financial Calculator

Purchase The "Cost of Sin" Financial Calculator for $4.37 through PayPal (or Credit Card through PayPal)

  

 

Click above image for high resolution Screen Shot

COST OF PROGRAM = $4.37

PROGRAM DOWNLOAD

Download The "Cost of Sin" Financial Calculator for Windows 95, 98, XP, and Vista (This product was tested on 1 Vista computer and did work properly but PLEASE install from the Windows installation executable).  This program is not available for Apple/ Mac based systems.

Note:  INSTALLATION OF THIS PROGRAM REQUIRES LOGIN/PASSWORD AVAILABLE  ON PURCHASE VIA PAYPAL OR CREDIT CARD AT A COST OF $4.37.

Click here to download the Windows installation executable (preferred for Win 95, 98, XP and necessary for MS VISTA installation!!)

Click here to download installation as a self extracting ZIP file

Click here to download installation as a ZIP file

Note:  For ease and simplicity, All files related to this program installs in a single user defined folder or directory.  To uninstall this program one only needs to delete or erase the installation folder.  For ZIP installations, it may be necessary to run VBRun60sp6.exe to install  runtime files for Visual Basic programs and place vbstkit.dll in the system32 subdirectory of ones main Windows folder (included in ZIP files).
 

WHAT IS THIS PROGRAM?: Modeled after classic mortgage calculators but with greater detail, this program provides 12 independent calculators that determines the amount of money "one could save" by reducing or eliminating discretionary spending (money spent on either unnecessary items or items that can be purchased for lesser cost). 

 
WHAT IS THE COST OF THIS PROGRAM?:  

THIS PROGRAM COSTS $4.37

 
DONATIONS AND CHARITY:  For those who believe this program is has merit (or for any other reason), the authors of this program provide facility to donate via PayPal (see above) to offset costs of program development and deployment.  10% of profit will be split into 5 equal portions and donated to good charitable organizations in the following areas:
  • Lung Cancer
  • Alzheimers Disease
  • Multiple Sclerosis
  • Lung or Asthma
  • Animal Welfare
WHAT "SIN" CALCULATORS ARE AVAILABLE IN THIS PROGRAM?:  The following 12 -->
  • The "Cost of Smoking" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of Smoking and its interface is identical to the FREE "Cost of Smoking" financial calculator program available from this site
  • The "Cost of Drinking" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of Drinking
  • The "Cost of Gambling" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of Gambling
  • The "Cost of Water" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of "Excessively Priced" Water
  • The "Cost of Coffee" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of "Excessively Priced" Coffee
  • The "Cost of Drugs" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of Illicit and/or Illegal Drugs
  • The "Cost of Shopping" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of Shopping
  • The "Cost of Tobacco Products" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of Tobacco Products (anything but cigarettes which is addressed in the "Cost of Smoking")
  • The "Cost of Jail Time or Incarceration" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of Jail Time or Incarceration (loss of salary or money saved on loss of salary!!)
  • The "Cost of Online Subscriptions" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of Online Subscriptions
  • The "Cost of Prostitution or Solicitation" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of Prostitution or Solicitation
  • The "Cost of Laziness or Sloth" Financial Calculator: Project Past, Future, and Combined Past and Future Cost of Laziness or Sloth (for example weekly maid service when one doesn't have the means to support such service!!).
WHY WOULD THIS PROGRAM CONVINCE ANYONE TO REDUCE DISCRETIONARY SPENDING?:  Mainly because the results hits one right where it hurts. SMACK DAB IN THE POCKETBOOK!!  Let's take smoking for an example.  There are a number of areas where antismoking campaigns focus upon including "smoking causes disease", "smoking stinks", "smoking reduces life span", etc.. This program provides one more reason to quit or minimize ones smoking habit. 

Let's look at an smoking example emphasizing one segment of the population: Youngsters and Young Adults. You see, due to peer and other pressures they disregard most antismoking efforts. One reason is they believe they are immune or even immortal. Disease due to smoking they think. It can't happen to me!! On the other hand, if a 13 year old realizes that smoking a pack a cigarettes a day can cost in the range of $30-60,000 over 10 years, the Corvette they dream about can turn into a used Yugo. The aspect of the high cost of smoking may, at least in part, curtail them from lighting up that first cigarette.

 
CAN USERS FREELY DISTRIBUTE THIS PROGRAM?:  No, this program is for sale and we would appreciate the < $5 sale price of this program. If you did get it for free, and you believe it is beneficial, please donate (donation resources are available on the website). The "daughter" of this program, The "Cost of Smoking" Financial Calculator, is free.

 
CAN THIS PROGRAM HARM YOUR COMPUTER?:  Any program can cause problems but this program is a pure Visual Basic application made to be as harmless as possible. 
  • This program was found to be VIRUS FREE via checking by Zonealarm Virus Protection, Viruscan, and Symantec Norton Antivirus. 
  • This program contains no adware (except for one command button with home website which one can hide by clicking one button anytime after you open the program).
  • There is absolutely no spyware.
  • This program will not create any cookies or extraneous files on your computer.
  • This program will not contact any entity on the internet, will NOT upload any user information and will not download any files whatsoever.
  • To minimize any computer conflicts, all files program related files resides in the one and only folder the user designates.  The program related files are not shared with any other program to minimize conflicts.  To uninstall the program one only needs to delete the designated program installation folder (one can uninstall using Windows add/remove programs as long as the program was installed using the Windows installation program and not any of the ZIP installations).

 
WHAT  PARAMETERS DOES ONE HAVE CONTROL OVER?:  For either PAST or FUTURE  calculations, you can control some or all of the following parameters:
  • Sin Starting and Stopping Dates with up to 4 time periods that can be separated in time with where each period can have different parameters (as listed below).
  • The cost per time (month or day).
  • The number of items consumed per time period (month or day).
  • The initial cost of item.
  • The increase in the cost over time as a percentage increase or the initial and final cost during the set time period.
  • The yearly savings rate you can achieve on banked assets (interest rate, return on investment, etc...).
  • The yearly inflation rate that depreciates the value of banked assets over time.
Separately, you can determine PAST cost of smoking as well as costs of smoking during time periods in the FUTURE. The combined cost of both PAST and FUTURE smoking is shown along with month to month smoking costs.

 
SMOKING EXAMPLE: What would the results of this smoking calculator give in this typical but severe example of smoking costs. Consider the Following scenario -->
  1. You are 14 and start smoking. 
  2. By the time you are 15 you are smoking 2 packs a day and let this be the starting point for the smoking calculation.
  3. You smoke 2 packs a day for the next 35 years at which point you reach 50 years of age.
  4. You live in a big metropolis with heavy taxes and the initial cost of a pack of cigarettes is $7.00
  5. The cost of cigarettes rises 10% per year on average (this is actually somewhat conservative based on past cigarette cost increases over time).
  6. You are good investor and have achieved the ability to generate 9% gains on any saved money on average over the years.
  7. The yearly inflation rate, on average, is 3%
The results are as follows:
  • The direct out of your pocket cash you have spent on cigarettes for those 35 years totals about $575,000.
  • The amount of money you could have saved given your ability to invest at 9% with real value lessened by the 3% inflation rate is near $1,000,000.
  • The cost of cigarettes 35 years in the future when you are 50 years old will be about $85 per pack of 20 cigarettes or about $4 per cigarette (and believe me this is not fantasy).