MONEY MATH, Shareware Version 2.1, PROGRAM DESCRIPTION MONEY MATH for Windows, v2.1 , brings you a comprehensive set of financial analysis tools in one package. No need for a different program for each calculation you want to do. Money Math has 17 different dialog boxes that perform over 50 financial calculations. Look at the following generic calculations available: Simple Interest Bank Discount Compound Interest Annuities: Loan, Save, Lease, Sinking Fund Bonds: Corporate, Treasury Date Arithmetic Certificate of Deposit Discounted Cash Flow Loan Amortization (Schedules) Specialized Worksheets perform multiple generic calculations to do the following complex tasks: Refinance Mortgage Prepay Mortgage Purchase Mortgage Income from Savings (Retirement Planning) Your calculation results can be easily edited, printed, or saved to a file. Money Math gets financial mathematics under control! SYSTEM REQUIREMENTS Money Math requires, as a minimum, an IBM AT or compatible computer with Windows 3.1, Windows 3.11, or Windows '95 installed and running. The current memory in your computer should be adequate if you are able to use other Windows applications satisfactorily. The hard disk space needed is less than 400 kilobytes. Money Math will not run with Windows 3.0. INSTALLING MONEY MATH You will probably receive Money Math in one of two ways. In the first way, you will have a floppy disk with the nine individual files listed below: MONYMATH.EXE - Money Math executable for Windows 3.1 or greater MONYMATH.HLP - Money Math help for Windows 3.1 or greater REGISTER.TXT - Registration form for Users README.TXT - Getting Started Documentation (this file) MEDIA.WRI - Quick start for Money Math and for Media use INSTALL.EXE - Installation Program for Money Math FILE_ID.DIZ - BBS description of Money Math VENDOR.TXT - (use VENDINFO.DIZ for all information) VENDINFO.DIZ - BBS/Vendor/Distributor information If you have a disk with the nine files, use the instructions given in the section below titled, "USING THE INSTALL PROGRAM". The second way to receive Money Math is in a compressed file or archive. The compressed file name should be MOMATH4.xxx where "xxx" indicates which file compression utility was used. In this case, use the suggestions given in the section titled, "INSTALL FROM A COMPRESSED FILE". If you prefer to install Money Math manually, copy the first five files listed above to the directory of your choice. Using Windows 3.1 or 3.11, create five icons and install them in the Windows Group of your choice by using the Program Manager "File" menu and selecting "New...". Using Windows95 or later, create a "Start" menu item by adding a folder called "Money Math" in Windows\Start Menu\Progams\ folder. Now, add five "shortcuts" to the "Money Math" folder for the five files you copied to the directory of your choice above. USING THE INSTALL PROGRAM To install Money Math, start up Windows and put the Money Math floppy disk in Drive A. Follow the directions in the sections below depending on which version of Windows you are using: Windows 3.1 or 3.11 From the Program Manager "File" menu, select "Run". Type "A:INSTALL" in the dialog box that appears. After you press "ENTER" or click on the "OK" button, the Install program will start on the floppy drive. If you are installing from B drive, substitute the letter B for the letter A above. Windows95 or later From the "Start" menu select "Run". Type "A:INSTALL" in the dialog box that appears. After you press "ENTER" or click on the "OK" button, the Install program will start on the floppy drive. If you are installing from B drive, substitute the letter B for the letter A above. The Install program will copy the Money Math files to a new directory titled "MONEY" on your hard drive (C:). You will have an opportunity to revise the directory and installation location. Click on the "OK" button or press the "ENTER" key to start the file transfer to the directory you selected. Using Windows 3.1 or 3.11, the Install program will also create a Windows Group named "Money Math" and put the Money Math icons in that group. You may move the Money Math icons to another group later if desired. Using Windows95 or later, a menu item titled, "Money Math" will be added to the "Start Menu" with five "shortcuts" to the files listed above. INSTALL FROM A COMPRESSED FILE If you received Money Math as a single file such as MOMATH4.ZIP, copy this file to a temporary directory on your hard disk. Next, decompress the file using a decompression utility program. The DOS command might be PKUNZIP MOMATH4.ZIP if that compression utility was used to compress the file. Several other compression/decompression utilities are in common use. You can probably obtain the correct utility from the same place you obtained the Money Math archive. If the Money Math archive file name is MOMATH4.EXE, you decompress it by running it from your temporary directory as you would any DOS program. No other utilities are needed. Once the archive file is decompressed, you should have the nine files listed above in your temporary directory. Now you can install Money Math as described above in the section titled, "USING THE INSTALL PROGRAM". Instead of typing "A:INSTALL" in the "Run" dialog box, you would type, "C:\TMP\INSTALL", where C:\TMP is the current hard drive and directory where the nine files are located. UNINSTALL MONEY MATH Windows 3.1 or 3.11 First delete each icon in the Money Math Group by selecting it and then pressing the 'Delete' key. When all the icons are gone, delete the Group by pressing the 'Delete' key. Next, from the File Manager, delete the directory containing the Money Math files. First, select the directory and then delete it by pressing the 'Delete' key. Money Math does not put any files in other directories. Windows95 Using Explorer, delete the directory containing the Money Math files. First, select the directory and then delete it by pressing the 'Delete' key. Money Math does not put any files in other directories. To remove the, "Money Math" item from the, "Start" menu, move to the, Windows\Start Menu\Programs\ folder using Explorer. Expand the folder by clicking on the "+". Now, click on the, "Money Math" folder and press the delete key. RUNNING MONEY MATH To start Money Math, double-click the mouse on the Money Math icon for Windows 3.1 or 3.11. For Windows95, from the "Start" menu, select "Programs". Now select "Money Math" from the menu and again select "Money Math" from the menu. Selecting "Exit" from the "File" menu item closes Money Math. You can also use the Alt+F4 key combination to do the same thing. MONEY MATH DOCUMENTATION All of the Money Math features are documented in Money Math Help. You can select the "Help" menu item from within Money Math or you can double click on the "Money Math Help" icon. Either way, the Windows Help program will run Money Math Help. All of the menu items are fully documented in Money Math Help including the 16 Money Math Calculation examples. The examples are available by selecting the "Help" menu item and clicking on, "Examples". Context sensitive help is available by highlighting a menu item and pressing the F1 key. The Search index has over 200 items. To get started, select the "Help" menu item and click on, "Contents". Then, review the introductory items listed below: Financial Analysis List of Financial Calculations Financial Problem Solving Calculation Dialog Boxes List of Examples Money Math Keyboard The 92 page "Money Math Users Guide" will be sent to you when you register. It contains additional topics such as a first calculation tutorial, financial analysis fundamentals, financial mathematics introduction. PRINTING THIS FILE To print this file from Windows, first load it into the Notepad editor that comes with Windows by double-clicking on the "Documentation" icon. Next, click on the "File" menu item and then select the "Print" command. You may want to select the "Print Setup.." command first to make sure that your printer is ready and properly setup. HOW TO REGISTER MONEY MATH Registration is $26 US plus $4 for shipping and handling. Send a $30 check or money order to: Robert Lovell 109 Amanda Drive Anderson, SC 29621-2406 Phone: (864)224-2474 For your convenience, an order form is included in the file REGISTER.TXT. To fill in and print the order form from Windows, using the Notepad editor, double-click on the "Register" icon. After filling in the form, click on the "File" menu item and then select the "Print" command. You may want to select the "Print Setup.." command first to make sure that your printer is ready and properly setup. To print the file from DOS, use the command line PRINT REGISTER.TXT. Either way, just fill out the form and send it in with your check or money order for $30 payable to Robert Lovell. BENEFITS OF REGISTRATION Registrants will receive: - Professionally printed 92 page User's Guide with Table of Contents and Index - Latest version of Money Math on disk - Money back guarantee for 90 days - Technical support for 90 days - Information on new releases and upgrades - The register reminder dialog box is removed - Free update if suggested enhancements are accepted TECHNICAL SUPPORT Robert Lovell will provide free technical support to registered users of Money Math for 90 days following registration. Our mailing address and phone number are shown below: Robert Lovell 109 Amanda Drive Anderson, SC 29621-2406 Phone: (864)224-2474 LIMITED WARRANTY THIS SOFTWARE IS PROVIDED FOR EVALUATION ONLY, ON AN "AS IS" BASIS. ROBERT LOVELL DISCLAIMS ALL WARRANTIES RELATING TO THIS SOFTWARE, WHETHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER ROBERT LOVELL NOR ANYONE ELSE WHO HAS BEEN INVOLVED IN THE CREATION, PRODUCTION, OR DELIVERY OF THIS SOFTWARE SHALL BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE SUCH SOFTWARE, EVEN IF ROBERT LOVELL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIMS. THE PERSON USING THE SOFTWARE BEARS ALL RISK AS TO THE QUALITY AND PERFORMANCE OF THE SOFTWARE. This agreement shall be governed by the laws of the State of South Carolina and shall inure to the benefit of Robert Lovell and any successors, administrators, heirs and assigns. Any action or proceeding brought by either party against the other arising out of or related to this agreement shall be brought only in a STATE or FEDERAL COURT of competent jurisdiction located in Anderson County, South Carolina. The parties hereby consent to in personam jurisdiction of said courts. COPYRIGHT AND TRADEMARKS Money Math is a trademark of Robert Lovell. The Money Math software is licensed property of Robert Lovell and is copyright © 1994-1996 by Robert Lovell. All rights reserved. Windows, Window95, and DOS are trademarks of Microsoft Corporation. TRIAL USE LICENSE Money Math is a "Shareware program" and is NOT a public domain program. Robert Lovell grants you a limited license to use this software for evaluation purposes for a period not to exceed thirty days. If you continue using this software after the thirty-day evaluation period, you MUST make a registration payment to Robert Lovell. All rights not expressly granted here are reserved to Robert Lovell. SHAREWARE Shareware distribution gives users a chance to try software before buying it. If you try Money Math and continue using it for over 30 days, you are required to purchase it by registering. Any fees you paid to obtain the Shareware version were copying and distribution fees and did not cover the registration payment required for continued use of the program. Shareware is a distribution method, not a type of software. You should find software that suits your needs and pocketbook, whether it's commercial or Shareware. The Shareware system makes fitting your needs easier, because you can try before you buy. And because the overhead is low, prices are low also. Shareware has the ultimate money-back guarantee -- if you don't use the product, you don't pay for it. ASP STATEMENT This program is produced by a member of the Association of Shareware Professionals (ASP). ASP wants to make sure that the Shareware principle works for you. If you are unable to resolve a Shareware related problem with an ASP member by contacting the member directly, ASP may be able to help. The ASP Ombudsman can help you resolve a dispute or problem with an ASP member, but does not provide technical support for members' products. Please write to the ASP Ombudsman at 545 Grover Road, Muskegon, MI USA 49442-9427, FAX 616-788-2765, or send a CompuServe message via CompuServe Mail to ASP Ombudsman 70007,3536.