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​​​Portfolio Analysis & Management System

Discounted Cash Flow Analysis

The Definitive Book & Software System for Present Value or Discounted Cash Flow Analysis



PAMS-DCF, Inc.

16401 Wildwood Court

Punta Gorda, FL 33982

   USA


Sales

Telephone: Phil Tirino  (845) 656-1273

FAX:  (845) 215 0003

E-mail: Sales@PAMS-DCF-INC.COM

or 

philtirino@netzero.net








Doing DCF analysis without access to a computerized system is impossible given our life spans. The use of an affordable, capable, versatile, easily and quickly manipulated computerized system is absolutely necessary. PAMS-DCF is just such a system thanks in part to the choice of EXCEL as its database. Most people already have and are familiar with. Excel. When coupled to the front-end input software and powerful yield analysis engine, EXCEL makes an unprecedented and powerful combination for dealing with DCF analysis. PAMS-DCF is a tool that is very affordable and easily learned. It should be as basic to the tool box of every financial industry person and educator as a hammer is to a carpenter. We at PAMS-DCF Inc. intend to see to it that everyone can afford to have access to this tool and the knowledge to use it, that is our Mission!


Who's Who in the East. 20th edition, 1985-1986. Wilmette, IL: Marquis Who's Who, 1984. (WhoE 20)
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​The company is a small business  having two principals,  Philip J. Tirino, CPA (the author of PAMS-DCF), and Joan M. Tirino, husband and wife. We have three sons doing occasional background support, all with undergraduate degrees in various art, science, math and engineering areas with one Masters degree and postgraduate credits included.


Joan Tirino spent most of her career as a main frame programmer in the airlines and banking industries. She graduated Queens College, NY with a degree in Chemistry minoring in Mathematics.


Philip Tirino, graduated Hofstra College in Hempstead, NY  with a BA in accounting. He spent most of his corporate years as assistant controller or controller for leasing, finance companies and bank leasing subsidiaries during the formative years of the leasing industry.


During the years preceding publication and after publication of FASB13, (the lease accounting bible), the author was active in and had published several leasing industry articles, lectured on numerous occasions and, joined by invitation, the NYS Society of CPA's, Financial Accounting Standards Committee with several years on the NYS Society's Leasing and Finance Company Committees. Popular emerging issues at the time which the author dealt with via articles, a home study course for the AICPA  (American Institute of CPAs), and/or lectures for various organizations were Accounting for Leases the Economic Reality approach, the Anatomy of a Tax Shelter, and the TBTs (Tax Benefit Transfers...accounting issues). Some of the organizations the author had the pleasure of speaking on behalf of were the AAEL, The World Trade Center, The AICPA Continuing ED Courses, and various NYS CPA Society courses. The author prepared various "Accounting for Leases" courses for the AICPA' Continuing Education Foundation.


We were fascinated with the high-tech -high-cost aspects of loan and lease pricing packages. In spite of being close to the subject, we often came away with unanswered questions that we dismissed as being the result of  unfamiliarity with some of the details of the "Black Box"  computations. Some what surprisingly, there remains a strong need to clarify many issues and make the tools to do so available and affordable to most.  We are presenting in one place all of the issues surrounding yield analysis and have packaged the answers in an affordable, comprehensive teaching tool and equally importantly, a powerful working tool.


This product, in a very real sense, has been in development since the mid 1980's. We hope it will help change the way Present Value Analysis is taught and used going forward.



About the Company and our Mission