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*****************************************************************
-> This file introduces YOUR-PLAN, explains how to get started
etc. It should be read by all first-time users.
-> The file has been supplied as an integral part of YOUR-PLAN.
This is a personal financial planning software package developed
as a shareware package for use on a 'try-before-you-buy' basis
by Invest-Tech Limited. For contact details, see end of this file.
-> To view this file page-by-page, type "TYPE README.TXT|MORE"
To print this file, type "PRINT README.TXT"
(Press CTRL+BREAK to quit now)
*****************************************************************
WELCOME
=======
YOUR-PLAN (r2.1) is an easy-to-use software package for
preparing a personal/household budget and cashflow projections
for six months ahead. It enables you to project your income
and expenditure and to forecast monthly cashflows and end-month
bank and credit card balances. Use YOUR-PLAN to plan ahead
and save money !!!!!!!!
YOUR-PLAN is a fully operational and useful package and not
'disabled' in any way. We have offered it as shareware to
encourage users to register and to purchase our other financial
planning software products for preparing financial projections
for the home and businesses. YOUR-PLAN is a "Guaranteed Irish"
quality software product.
YOUR-PLAN is NOT free software. It has been supplied on a "try-
before-you-buy" basis. If you continue to use YOUR-PLAN after
a 30-day trial period, you must register with the author,
Invest-Tech.
In return for registering, you will be licensed to use YOUR-PLAN
on a single computer indefinitely and you will automatically
receive (at no extra cost) a copy of the latest release of
PERS-PLAN, a more powerful and comprehensive personal financial
planner with its spiral-bound 90-page manual incorporating
tutorial exercises etc. You also gain access to full support
etc. for both products.
Registration only costs £29 (twenty-nine pounds sterling) or
US$44, including p&p or S&H, so it will not break your family's
finances. Full registration details are contained in the
REGISTER.TXT file.
YOUR-PLAN is fully protected by copyright. However, it may be
copied in its entirety and without modification for FREE
distribution to friends and, subject to the conditions set out
in the VENDOR.TXT file, by shareware libraries etc.
We hope that you find YOUR-PLAN useful and up to expectations.
It is our first shareware product. Please register so as to
encourage us to continue developing other such products and to
help feed Joan, David, Orla, Julie and Martina in the meantime!
Good luck with YOUR-PLAN.
Brian Flanagan, Invest-Tech Limited
*****************************************************************
FILE CONTENTS/INDEX
===================
This file (README.TXT) covers the following topics in separate
sections below:
A - Details of supplied files, how to copy them etc.
B - General introduction YOUR-PLAN and related matters
C - Guidance on how to run YOUR-PLAN
D - Explanation of shareware
E - User Licence Agreement
F - Software revisions
*****************************************************************
A - SUPPLIED FILES
==================
It is a breach of copyright to change, break-up or interfere
with the set of files contained in the ZIP files (YOURPLAN.ZIP
and YOURPLAP.ZIP) or in any other achive file being used by a
shareware library to distribute YOUR-PLAN as a complete set of
files.
If you wish to give a copy of YOUR-PLAN to friends etc., you
should copy the following files in their entirety:
YOURPLAN.ZIP (and YOURPLAP.ZIP, if this has been supplied)
For further information about distributing YOUR-PLAN, please
refer to the Distributor Agreement and Form contained in the
VENDOR.TXT file.
The following files are contained within YOURPLAN.ZIP or
YOURPLAN.*:
yp.bat plan.ovr master.ass your.hlp
your.exe msherc.com go.bat vendor.txt
readme.txt manual.txt tax.txt money.txt
register.txt filelist.txt enterass.txt mmb.exe
yourplan.ico picprt.bat readme.1st
Depending on the precise format in which you received YOUR-PLAN,
you may also have received seven additional files (PICPRT.*)
containing an utility for printing YOUR-PLAN's graphs. These may be
contained in a separate archive file (YOURPLAP.ZIP). Even if these
files are not present, you can still print graphs as will be
explained when you start using YOUR-PLAN.
The text file FILELIST.TXT contains a list of all YOUR-PLAN's
files with brief descriptions of their functions. If you have
obtained a copy of YOUR-PLAN from an unknown source, take care
that you have not also secured a virus ! Either, run a virus check
or secure a copy directly from a reputable source.
If using a hard disk or single 3.5" disk, all the foregoing files
should be kept together on the same disk/subdirectory. If using
dual 5.25" drives, the following files MUST be located as follows
on two disks:
DISK A DISK B
------ ------
yp.bat master.ass
plan.ovr your.hlp
your.exe + any newly
msherc.com created assumption
files (*.ass)
Before starting to use YOUR-PLAN, we recommend that you review
this entire file either on-screen or, preferably, after printing
it. It includes brief instructions for loading YOUR-PLAN which
should enable you to start using the package.
Another supplied text file (MANUAL.TXT), explains, in much more
detail, how to load and use YOUR-PLAN. Because YOUR-PLAN is
very intuitive and contains very extensive 'on-line' help, you
may only need to refer to this file on an occasional basis.
However, you may wish to print it at this stage in order to
have it readily accessible for future reference, or if you get
"stuck", or need detailed guidance on a specific issue.
We have also included with YOUR-PLAN a text file (MONEY.TXT)
which contains dozens of famous (and not so well-known)
quotations on the subject of "money". If you feel depressed
about your personal finances after using YOUR-PLAN, you should
have a look at MONEY.TXT. It MIGHT cheer you up !! We welcome
further quotations for inclusion in the next release of
YOUR-PLAN. More seriously, have a look at Section 6.5 within
the manual text file (MANUAL.TXT) for some basic ideas on
utilising the output from YOUR-PLAN to improve your financial
planning and/or position.
If you pay income tax (who doesn't), refer to the tax text file
(TAX.TXT). This contains some additional quotes about taxation as
well as tables indicating basic tax allowances and rates for the
UK and Irish tax regimes.
To print a text file:
1. Exit this file.
2. Make sure your printer is 'on-line' and is supplied with
ample paper.
3. Type "PRINT ??.TXT" at the drive prompt (e.g C:\your>)
to which you have installed YOUR-PLAN and press the RETURN
key in respond to a prompt about the name of devices.
For example, type "PRINT REGISTER.TXT" to print the
supplied file containing the Registration Form.
To read a text file on screen:
1. Exit this file.
2. Type "TYPE ??.TXT|MORE" at the drive prompt (e.g
C:\your>) to which you have installed YOUR-PLAN. The "|"
refers to the vertical bar/pipe symbol on your keyboard
(look for it in the lower left corner).
For example, type "TYPE REGISTER.TXT|MORE" to display
the supplied file containing the Registration Form.
If you are using Windows, you can print or view the text files
using the Notepad accessory.
*****************************************************************
B - GENERAL INTRODUCTION
========================
YOUR-PLAN is an easy-to-use software package for preparing a
personal budget and cashflow projections for six months ahead.
It can be used to improve the management of your finances by
forecasting your income and expenditure. The resulting budget
can then be used to improve your financial planning & control
and, ultimately, to save yourself money.
For a more detailed and formal description of YOUR-PLAN, you
should refer to the text file called VENDOR.TXT.
Based on your estimates and assumptions, YOUR-PLAN compiles a
detailed and summary budget for up to a six months ahead. It
also produces reports analysing the budget and detailing all
your underlying assumptions on income and expenditure.
YOUR-PLAN incorporates facilities for graphing key results;
overwriting assumptions by actuals; undertaking 'what-if'
analysis; and rolling-forward assumptions and projections one
month at a time.
YOUR-PLAN is very suitable for users with limited or no
prior experience of computers as well as for more experienced
computer users who do not wish to go to the very considerable
trouble, or to waste valuable time, developing their own
planning system on a spreadsheet. Bear in mind that YOUR-PLAN
involved hundreds of hours of development and years of
"know-how".
To run YOUR-PLAN you need the following system:
* Industry-standard PC with DOS 3.30 or higher and a hard disk,
or dual 3.5" or 5.25" drives.
* Conventional memory of 640k.
* VGA, GCA, mono, Hercules or LCD display (or equivalent).
A printer (dot-matrix, ink-jet or laser) is desirable. You can
run YOUR-PLAN as a DOS program within Windows (use the supplied
icon called YOURPLAN.ICO).
YOUR-PLAN complements the very many personal financial packages
currently available in the market. Most of these are basically
household accounts systems with only very limited budgeting
facilities. To our best knowledge, very few of them have any
dynamic planning capabilities, similar to YOUR-PLAN's. To
produce any form of projections with most of these systems,
you must first keep historic accounts. For many people, this is
a pain in the ...... Most of us are much more interested in
projecting our income/expenditure and making ends meet in the
FUTURE, rather than in learning about the past ("water under
the bridge", "closing the stable door after the horse has
bolted" and that sort of thing).
Historic data is NOT required to use YOUR-PLAN. However, if you
do happen to keep household accounts (either manual or
computer-based), past data on income and expenditure patterns
etc. should help you make more accurate projections for the
future.
Features
--------
YOUR-PLAN's features include the following:
* Seven categories of income (salary for one wage earner,
reimbursed work expenses, dividends, rent etc.).
* Facilities for handling salary deductions based on absolute
amounts and simple percentages as well as different
percentages related to bands and thresholds (as for PAYE
income tax) specified by the user. YOUR-PLAN is not
restricted to any particular tax system or currency. Basic
information on current tax bands and rates for the UK and
Ireland is contained in a supplied file (TAX.TXT).
* Sixteen main expenditure groups (household, car,
accommodation etc.) incorporating twenty-eight subgroups
which can be defined by a user.
* Facilities for planning credit card expenditure and payments
and for calculating interest on any outstanding balances.
* Current and deposit accounts with facilities for calculating
interest on the basis of specified interest rates, handling
accrued interest and specifying interest payment dates.
Help
----
YOUR-PLAN is entirely menu-driven and incorporates very
comprehensive context-sensitive help facilities. These
include extensive menu prompts, error trapping, on-line Help
Pages, pop-up Hint & Guidance Windows, annotated variable
descriptions and "drill-down" values. A very comprehensive
manual is supplied as an accompanying text file (MANUAL.TXT).
Specification
-------------
Number of reports 7 (13)*
Number of graphed variables 18 (18)*
Approximate maximum number of user assumptions 530 (950)*
Approximate total number of built-in formulae 870 (1,600)*
* Numbers for PERS-PLAN given in parenthesis
Registration
------------
The idea behind shareware is to allow a user to evaluate a
software package at minimal cost - "try-before-you-buy".
YOUR-PLAN is NOT FREE software. If you decide that you would
like to retain and continue to use YOUR-PLAN after a 30-day
trial period, you must register with Invest-Tech, the author
and copyright holder.
In return for registering, a user is licensed to continue
using YOUR-PLAN on one computer without any time limit.
In addition, a user automatically receives (at no extra cost)
a fully-operational copy of a much more powerful and comprehensive
version of YOUR-PLAN, called PERS-PLAN, with its 90-page
spiral-bound printed manual (incorporating tutorial exercises
etc.). You also gain access to full support for both products.
Further details about PERS-PLAN are given below and within
YOUR-PLAN itself. (Practically all registrants immediately switch
over from YOUR-PLAN to PERS-PLAN as soon as they receive the
latter).
The Registration Fee is £29 (twenty-nine pounds sterling) or
US$44 including p&p or S&H. Cheques, drafts, international money
orders, Eurocheques etc. are all acceptable provided that they are
denominated in pounds sterling, US$ or Irish pounds. Payment can
also be made by credit card (Visa, Access, MasterCard or Eurocard).
Registration is via Invest-Tech Limited for Europe etc. and
through "PsL" (Public software Library) for the US/Canada.
YOUR-PLAN contains a built-in Registration Form. Alternatively
you can use the Registration Form contained in the REGISTER.TXT
file.
PERS-PLAN
---------
PERS-PLAN, the version of YOUR-PLAN which is automatically
supplied (at no extra cost) to all users on registering, includes
many additional features and facilities:
* Covers a 12-month period with separate full-year reports
* Handles incomes, salary deductions etc. for one or two
wage-earners
* Much more extensive range of expenditure assumptions
* More function keys to facilitate data entry etc.
* Different printer set-ups can be used for monthly and
full-year reports.
It is supplied with a 90-page spiral-bound manual. Note that
PERS-PLAN does not yet include the PICprint graph printing
utility supplied with YOUR-PLAN - we are working on it.
However, you can still print PERS-PLAN's graphs as will be
explained when you run the package.
Invest-Tech Limited
-------------------
We are management consultants specialising in financial and
business planning software. Formed in 1983, Invest-Tech is a
Registered Practice within the Institute of Management
Consultants in Ireland and the UK. Our banker is Bank of
Ireland, O'Connell Bridge, Dublin 1, and our auditors are
Deloitte & Touche, Dublin.
In addition to YOUR-PLAN and PERS-PLAN, our range of financial
planning software includes the following commercial products:
BANK-PLAN: 12-month cashflow planner for micro- and small-
businesses. Runs 'stand-alone' and with similar
general structure to YOUR-PLAN. Handles debtors,
VAT, creditors, expense payments etc. £60 (sixty
pounds sterling or equivalent including VAT etc.)
Note: These is a shareware version of BANK-PLAN.
Look for a file called BANKPLAN.ZIP or contact
your friendly shareware library.
CASH-PLAN: 4-week + 11-month cashflow planner for small/medium
sized businesses, subsidiaries of large companies
and corporate cash planning. Runs 'stand-alone' and
with similar general structure to YOUR-PLAN. More
powerful version of BANK-PLAN with additional
features and facilities. £115 (one hundred and
fifteen pounds sterling or equivalent including VAT
etc.)
EASI-PLAN: A comprehensive and fully-integrated financial planner
(P&Ls, cashflows, balance sheets, ratios etc.)
covering 12-months plus 8 quarters. To our best
knowledge, no other package even remotely offers the
same range of features or facilities for business and
financial planning. Runs 'stand-alone' with similar
general structure to YOUR-PLAN. £175 (one hundred and
seventy-five pounds sterling or equivalent including
VAT etc.)
FIN-PLAN: Wide range of comprehensive and fully-integrated
financial planners (P&Ls, cashflows, balance sheets,
ratios etc.) covering 12-months plus 8/16 quarters.
Versions are available to run on Lotus 1-2-3 (any
release for DOS or Windows), Symphony & SuperCalc.
Extensive menus with numerous features and facilities.
Easily expanded by user. £234 (two hundred and
thirty-four pounds sterling or equivalent including
VAT etc.)
Comprehensive descriptions, specifications and 'demos' are
available for each of the foregoing products.
Intending purchasers of these products who are registered for
VAT in any country (other than Ireland) within the European
Community can deduct VAT at 21% from the above prices PROVIDED
that they quote their VAT number at the time of ordering.
All purchasers from outside the European Community can also
deduct the 21% VAT from the above prices but they should add 10%
to cover shipping by airmail etc.
*****************************************************************
C - HOW TO RUN YOUR-PLAN
========================
Refer to Section 3 of the MANUAL.TXT text file for more detailed
instructions if you run into any problems.
Note that you can run YOUR-PLAN as a DOS program within Windows.
The following guidelines assume that you have already installed
(i.e. copied, unzipped, unarchived, uncompressed etc.) the
complete set of YOUR-PLAN files onto a hard disk, a 3.5" disk
or two 5.25" disks (assumed to be called A and B).
If YOUR-PLAN has been installed onto a hard disk:
a) Get into the sub-directory where you have installed
all YOUR-PLAN's files. For example, if the sub-directory
YOUR was used, type "CD YOUR" and press RETURN at the
DOS prompt.
b) For general introductory information, type "GO".
or
c) For guidance on the syntax for loading YOUR-PLAN etc.
type "YP".
or
d) Type "YP MASTER" to load YOUR-PLAN along with a set of
specimen assumptions in a file called MASTER.ASS (Make
sure that there is a single space between "YP" and
"MASTER").
Make a working copy of MASTER. From the Main Menu, press
F (for File), N (for New) and enter as file name (WORKING
is recommended.
By following the on-screen Hints and Guidance Notes and
by accessing Help Notes and Help Pages, have a go at
building your first budget. Good luck !
If you are running YOUR-PLAN from a 3.5" drive:
a) Place the disk to which you have installed YOUR-PLAN
into a drive. If necessary, switch to that drive by
typing the drive designation followed by a colon,
e.g. "A:" and press RETURN.
b) For general introductory information, type "GO".
or
c) For guidance on the syntax for loading YOUR-PLAN etc.
type "YP".
or
d) Type "YP MASTER" to load YOUR-PLAN along with a set of
specimen assumptions in a file called MASTER.ASS (Make
sure that there is a single space between "YP" and
"MASTER").
Make a working copy of MASTER. From the Main Menu, press
F (for File), N (for New) and enter as file name (WORKING
is recommended.
By following the on-screen Hints and Guidance Notes and
by accessing Help Notes and Help Pages, have a go at
building your first budget. Good luck !
If you are running YOUR-PLAN from dual 5.25" disk drives:
a) Place the two disks to which you have installed
YOUR-PLAN (and, presumably, labelled as A & B) into
their respective drives. If you are unclear about the
correct distribution of files on the two disks, refer
to the Section called "A - Supplied Files" above for
guidance.
b) For on-screen guidance about the syntax for loading
YOUR-PLAN etc. type "YP".
c) Switch to the drive with Disk A, e.g. type "A:" if this
disk was inserted in drive A, and press RETURN.
d) Type "YP B:MASTER" to load YOUR-PLAN along with a set
of specimen assumptions in a file called MASTER.ASS
which should be on Disk B and is assumed to be located
in the B drive (Make sure that there is a single space
between "YP" and "B:MASTER").
e) Make a working copy of MASTER. From the Main Menu, press
F (for File), N (for New) and enter as file name (WORKING
is recommended.
f) By following the on-screen Hints and Guidance Notes and
by accessing Help Notes and Help Pages, have a go at
building your first budget. Good luck !
****************************************************************
D - WHAT IS SHAREWARE ?
=======================
"Shareware" is a method of software distribution designed to
give users a chance to test a package before purchase at a very
competitive price. Copyright rules apply to shareware and the
authors retain all the rights except as indicated in their licence
agreements. As you will see from YOUR-PLAN, shareware does not
signify cheap (in the nasty sense) or poor quality software.
Subject to the terms and conditions of our User Licence Agreement
(see below) and Distributor Agreement (see VENDOR.TXT), you are
free to copy YOUR-PLAN for friends etc. provided that no charge
is made and recipients are made aware of the need to register
as users if they wish to retain the package. As all the supplied
files must be copied in their entirety and without modification,
we suggest that you only copy the archived files, YOURPLAN.EXE
(with START.BAT) or YOURPLAN.ZIP (with YOURPLAP.ZIP), for this
purpose.
Shareware distributors, bulletin board and commercial on-line
system operators are invited to become distributors of
YOUR-PLAN and to list it for supply or downloading to their
customers or users. See the VENDOR.TXT file for further
information.
*****************************************************************
E - USER LICENCE AGREEMENT
==========================
YOUR-PLAN is a "shareware" program. IT IS NOT "freeware",
"public domain" software etc. You are granted a licence to use
YOUR-PLAN only under the terms and conditions specified in this
Agreement.
YOUR-PLAN is owned at all times by Invest-Tech and is fully
protected by copyright throughout the world.
After a free initial 30-day trial period, every user who wishes
to continue using YOUR-PLAN must make a registration payment to
the author, Invest-Tech. If you do not register, you must stop
using YOUR-PLAN after the trial period.
Once registered, YOUR-PLAN is licensed for use, without any time
restriction, on one computer or at one network node by the
registered user. In return for registered, you will also receive
a copy of the latest release of PERS-PLAN (more powerful version
of YOUR-PLAN) with its printed manual. In addition, you gain
access to support for YOUR-PLAN and PERS-PLAN by mail, phone
or fax for three calendar months following confirmation of
registration by Invest-Tech. After this period, the provision
of support will be at Invest-Tech's discretion. Unregistered
copies of YOUR-PLAN are unsupported.
YOUR-PLAN has been supplied strictly on the understanding that
the software and all its associated files and documentation
will not be translated, repackaged, replicated, dismantled,
reverse-engineered or modified in any way. It must not be copied,
sold, transferred, lent, rented or leased to any user or third
party except under the terms and conditions set out in the
accompanying VENDOR.TXT file. If you copy YOUR-PLAN for friends
to try, you must include all the files contained in YOURPLAN.ZIP,
and YOURPLAP.ZIP or YOURPLAN.EXE.
YOUR-PLAN must not be sold as "rackware" or used as a promotion or
enticement for any commercial venture (including use as a "cover"
disk for a periodical) unless prior written approval has been
secured from Invest-Tech.
YOUR-PLAN is supplied strictly on an "as is" basis and without
any warranty either expressed or implied as to merchantability,
performance, or fitness for any purpose. The user must assume
the entire risk of using the program. Every user is advised to
always test and check the output thoroughly before relying on
its results or contents. Invest-Tech accepts no responsibility
and no liability whatsoever for any defects, errors or incidental
or consequential losses or damages associated either directly
or indirectly with its usage.
Distribution and/or use of YOUR-PLAN signifies acceptance of
these terms and conditions. Violators of the copyright terms of
this agreement may be prosecuted.
Details of volume discounts, site licences and bundling prices
for YOUR-PLAN and PERS-PLAN can be obtained by contacting
Invest-Tech.
To register, use the Registration Form contained in the supplied
file (REGISTER.TXT) or the copy built into YOUR-PLAN (press "X"
from its Main Menu).
*****************************************************************
F - SOFTWARE REVISIONS
======================
V1.0 16-NOV-1992
------------------
First shareware release of YOUR-PLAN. Based on PERS-PLAN,
a more powerful and comprehensive planner which YOUR-PLAN
users automatically receive on registering with Invest-Tech.
V1.01 6-FEB-1993
-----------------
Minor changes to Help Pages & menu prompts. Improved display
for Liquid Crystal Displays.
V2.0 19-JUL-1993
------------------
Addition of the following:
Graph printing utility. "Roll-forward" facility. Pop-up
Guidance and Hint Windows. "Drill-down" values.
We have also added the TAX.TXT, ENTERASS.TXT and MONEY.TXT
files.
Extensive changes have been made to the layout and contents
of the README.TXT, VENDOR.TXT and MANUAL.TXT files.
V2.1 5-DEC-1993
-----------------
This release includes details (in TAX.TXT) of the changes in UK
income tax rates etc. announced in the November 1993 Budget and
to take effect in the UK from April 1994. The batch file called
GO.BAT was enhanced to include introductory screens and a menu
system for new users.
*****************************************************************
YOUR-PLAN (c) Copyright Invest-Tech Limited 1992, 1993, 1994
All Rights Reserved
Invest-Tech Limited
27 Ardmeen Park, Blackrock, Co. Dublin, Ireland
Irish Tel: 283 4083 UK Tel: 0232-315454
(Call 9 to 9 weekdays and 10 to 6 weekends - GMT/BST)
Fax: 661 3130
Fax codes: Irish:01- UK:010-353-1- Inter'l:+353-1-
*****************************************************************
To view this file page-by-page, type "TYPE README.TXT|MORE"
*** End of README.TXT file ***