Magnum One/Magnum One (Mid-American Digital) (Disc Manufacturing).iso/d10/guide512.arc/GUIDE.MAN

Text File | 1990-07-17 | 44KB | 1,008 lines

 Version 5.2- Freely distributed/ evaluation copy

                             MANUAL

      THE HOME AND BUSINESS LEGAL GUIDE AND FORMS GENERATORTM

                  Copyright 1990 Kraft & Byron

                       All Rights Reserved

                          INTRODUCTION

A. PLEASE READ THE READ.ME FILE FIRST!

B. ORGANIZATION OF THIS MANUAL-- We provide two separate but
complimentary manuals. The first is the "quickstart" manual. If
you are a power user, this very brief manual explains each active
key and function. The second manual (the one that you are now
reading) is a detailed manual, consisting of 8 sections:

1) System Requirements/Installation
2) Use of the program
3) The information needed to generate legal forms
4) Customer Satisfaction- Support- Custom Forms Service
5) About the Radio Law Firm (tm)- Our nationwide call in radio
     show
6) About our staff
7) Legalese-- warranties, trademarks, warnings
8) Index

                           SECTION ONE
                          INSTALLATION

Section 1-1 SYSTEM REQUIREMENTS

    In order to operate this program, your computer must:

1) have an IBM PC compatible operation a version of M.S. DOS,
D.R. DOS or P.C. DOS of 2.1 or higher; this includes 2.1, 3.0,
3.1., 3.2, 3.3, 4.0 and higher or OS/2, PS/2; to find out which
version of "dos" you have installed enter at a system prompt;
this program happily runs under Windows environments/Desqview
etc.:

                        <ver>

SPECIAL NOTE: IN THIS MANUAL THINGS TO BE ENTERED ON THE COMPUTER
ARE ENCLOSED IN ANGLED BRACKETS "<" ">". Do not type the brackets
as they are only placeholders for text to be entered by you.

and you will receive a cheery message such as

                        MS-DOS VER 3.20

in general this program will operate on XT compatibles, '286
compatibles (AT Class) and '386 compatible systems; 486 systems;

2) have a hard drive (fixed disk);

3) have at least 448 K Bytes of USABLE memory; many computer
users have machines that are installed with 512K, 640K or more
but install many Terminate and stay resident (TSR or "memory
resident" programs) which each use memory, dropping available or
usable memory to less than 448 K; if you cannot operate this
program dump out of it (the time honored process pressing
Control, Alternate and Delete at once to "warm" reboot) and at a
system prompt type, exactly

<chkdsk>

Your machine should whirl and click and then announce something
like this:

655360 bytes total memory
620000 bytes free

if you have less that 448000 bytes of memory free, then you must
read the manuals for your memory resident software and delete
some of them so that you have at least 448000 free when you run
this program. There are utilities that "manage" terminate and
stay resident program advertised in your favorite computer
magazine. If you would like an operating environment that manages
memory and can make your computer stand on its head allowing
multitasking among many other great things, get Desquview (tm)
from Quarterdeck.(tm)

    The program will require about 2.0 megabytes of free storage.
(The evaluation copy requires about 600 KB). There is no minimum
requirement for graphics adapters or color. The program will
happily run on a text-mono system; and it looks very great on a
VGA system! Due to our design philosophy the program will run on
a system with NO color and no graphics capability at all.

    A printer is recommended so that you can fully use the Home
and Business Legal Guide. (You cannot print out legal documents
without access to a printer.)

                            SECTION 2

                       USE OF THE PROGRAM

            STEP ONE (LOGICALLY) STARTING THE PROGRAM

Section 2-1 QUICK START MANUAL

A separate file on this disk contains a quick start manual for
experienced applications users which gives all of the active keys
for each program. A detailed manual follows.

Section 2-2 DETAILED OPERATION INSTRUCTIONS

For purposes of discussion we assume that you installed the
software in a subdirectory called "legal." Well, installation
wasn't that bad, was it? Welcome back. But the best part is just
beginning-- our design goal was to allow you to be able to use
this program with just brief instruction-- and you'll see that we
met our goal. In fact, experienced applications users can use
this program intuitively-- but be sure to read through this
information to learn about all of the program's features.

Section 2-3 START UP AND MAIN MENU

In order to start the program, be sure that you have either have
the computer in the legal subdirectory or that the program is on
the current path. Now type <guide> (or <GUIDE or guIDe in MS-DOS,
they are the same to the computer.) and press the Return <Return>
key. The main menu offers a help screen.

Section 2-4 MOUSE USERS

Type <Mguide>, the <Return>. Clicking the left button sends a
carriage return, the right button page down, both buttons, sends
Escape. Moving the rodent up and down advances the cursor up and
down. NOTE: We do not have a separate mouse cursor.

Section 2-5 SELECTING FROM THE OPTIONS PROVIDED

To select your choice, either use the cursor keys (up and down
arrows) to highlight the choice you want, or, enter the letter
corresponding to your choice, and then press <Return>.
We will explain the operation of the statutes, and tutorials

(mini-seminars), and document preparation separately.

Section 2-6 THE SHELL GAME- OUR DOS "SHELL"

Choice "S"- DOS Shell-- Our DOS "shell" is a utility program
which allows you to perform tasks, while retaining the Home and
Business Legal Encyclopedia in memory. For example, if you want
to format a floppy disk, but do not want to exit the program,
then choose the DOS Shell option, by either highlighting this
option using the cursor keys (up and down arrows) or pressing <S>
then press <RETURN>. You will then see a message indicating that
your operating system has been loaded. For example,

Microsoft (R) MS-DOS (R) Version 3.20
(C) Copyright Microsoft Corp. 1981-1986

you may then operate DOS commands. At all times, the Legal Guide
remains in memory. To resume use of the program, type <EXIT> and
then <Return> or <Enter>  (On some machines the key is marked
return, on others enter, and some have a left descending arrow.)
This will return you to the opening screen.

Section 2-7 STATUTES MENU

The Home and Business Legal Guide contains the full text, with
attorney's explanations of many important laws and governmental
regulations. To choose this option from the main menu, press <B>
and then <ENTER> (Return), or highlight this option by using the
cursor keys- up and down arrows.

     Once you are reading the full text, you will occasionally
see blocks of text marked with "/*" and closed with "*/." These
are distinguishing placeholders to show comments as opposed to
the full text of the law or regulation. Copyright stuff: We do
not claim copyright on government material contained in the
statutes menu. However we do claim copyright on all the rest of
the program and on the comments within the statutes.

****************************************************************

IMPORTANT NOTICE: YOU HAVE RECEIVED A PACKAGE CONTAINING THE MOST
RECENT DATA. CHECK FOR UPDATES IF YOU HAVE COMMUNICATIONS
CAPABILITY. EACH MONTH WE RELEASE ADDITIONAL FORMS AND
INFORMATION. REMEMBER THAT LAWS CHANGE (OFTEN SUDDENLY AND
WITHOUT NOTICE) AND BE SURE THAT YOU HAVE THE LATEST UPDATES.

****************************************************************

Section 2-8 BROWSING THROUGH THE STATUTES

You may read the statutes by pressing the page up, page down,
cursor keys for up and down (up and down arrows.) The left and
right cursor keys are special. The left arrow key returns you to
the previous comment; the right arrow searches for the next
comment.

    If you press the left arrow key and the text does not change,
this means that you are seeing the first comment; if you press
the right arrow key and the text does not change you are then
viewing the last comment in the file.

Section 2-9 LET'S TAKE NOTES

  USE OF THE "NOTE PAD"- JOT NOTES WHILE LEARNING ABOUT THE LAW

If you want to take a note while reading the tutorial, put our
memory resident note pad to work. From any point once you are
reading the text of the tutorial type <F2> (Function key 2) and
then a note pad will open on the bottom of the screen. This is a
nice added feature so that you won't lose your place or have to
go get a pad and paper if you find something interesting that you
might want to take notes about. Since it is for jotting notes, we
have made it very simple to use. Simply type in your note, using
the backspace key to erase characters.

                          NOTE PAD HELP

To get help regarding the notepad utility, simply press <F1>,
(function key one) while the note pad is open. The help screen is
a good explanation of the note pad.

                     PRINTING OUT YOUR NOTES

To print out our notes, make sure that your printer is ready,
power on, properly connected, with paper and ribbons, and then
press <F3> (Function key 3). This will print out the notes you
have taken.
                    ERASING AND SAVING NOTES

<F10> (Function key 10) erases everything on the note pad. You
cannot recover notes once erased by using F10. To "toggle" back
and forth between the note pad and the text of the tutorial,
press <F2> (Function key 2). Your notes are saved automatically
every time that you toggle back and forth between the note pad
and the tutorial's main text.

Section 2-10 SPECIAL STATUTE- DEFINITIONS

    This program contains a special "statute"- the on line legal
phrase dictionary. Select this option to look up unfamiliar legal
terms. Please let us know if you find other words we should
define.

Section 2- 11 EXITING THE STATUTES

    To leave a statute, you may press Escape (ESC) which will
return you to the statutes menu. To return to the main menu,
press <M>. To exit the program completely, press <X>, which will
send you back to DOS and quit the program.

Section 2-12 TUTORIAL (MINI-SEMINAR) MENU

                WHAT IS A TUTORIAL/ MINI-SEMINAR?

    The Home and Business Legal Guide contains mini-seminars
called tutorials about the subjects that our research, your mail,
and our radio program show are of the most interest to our users.
To select this option, either highlight option C from the main
menu, or, enter the letter <C>. Then press <ENTER> (Return.)

NOTE THAT THERE IS MORE THAN ON SCREEN OF TUTORIALS. TO SEE ALL
SELECTIONS PLEASE USE THE PAGE DOWN OR CURSOR KEYS TO REACH THE
END.

    These "tutorials" or "mini-seminars" are a discussion of the
rights and obligations that the law provides for each tutorial
area. LET US KNOW ABOUT OTHER AREAS OF INTEREST AND WE'LL PREPARE
SOMETHING ON THAT AREA IN THE FUTURE. You're the boss.

****************************************************************
THE PACKAGE WHICH YOU HAVE RECEIVED CONTAINS THE TUTORIALS
RELEASED TO THE DATA OF SHIPPING. ADDITIONAL TUTORIALS ARE
CREATED MONTHLY, AND OLD TUTORIALS REVISED AS LAWS CHANGE. BE
SURE TO CHECK FOR UPDATES. DO NOT RELY ON OUTDATED AND
POTENTIALLY (DISASTROUSLY) OUTDATED INFORMATION
****************************************************************

Section 2-13 SELECTING A TUTORIAL/MINI-SEMINAR

    Once you have determined which tutorial you might want to
read or review, please highlight it by using the cursor keys (up
and down arrows). Then press <Return>. You will then be able to
see the text of a tutorial.

    You can read through the tutorial by using the cursor keys,
page down, page up or the home or end keys. (Note that our clever
programming methods- Good job Warren-- make going from one end to
another virtually instantaneous.)

 Section 2-14 TAKING NOTES

You may take notes as discussed in Section 2-9.


Section 2-15 READING FULL TEXT OF LAWS OR REGULATIONS DISCUSSED-
                     OPENING A SECOND WINDOW

    Let's get back to the tutorial. If you would like to read and
review the full text of the laws discussed in a tutorial or mini-
seminar, you can review this simultaneously with the tutorial by
opening a second "window." To do so, press the letter <S>, and if
there is full text available you will see a full text menu. This
is where you can look up words in our dictionary. To select the
full text (if more than one text is pertinent) use the cursor
keys (up and down arrow) to  highlight full, annotated text of
the law or regulation in question. It will then appear on the
screen; to toggle back and forth between the mini-seminar and the
selected full annotated text, press <O>. You can still open a
note pad if you have both the mini-seminar and the full text
selected. Many mini-seminars have more than one full text
selection. If you want to review a different full annotated text
from that originally selected, return to the tutorial, and press
<S>, which will reopen the full annotated text menu. Select the
new full text by using the cursor (up and down arrow keys).

Section 2-16 DEFINITIONS OF LEGAL TERMS

If legal terms are used in the mini-seminar, they are also
defined in the on line legal glossary. Simply press <S> and
select this option for the on line legal phrase book- our mini
legal dictionary. Press <O> to toggle back and forth between the
dictionary and the text. To select help or full text, return to
the tutorial text, press <S> and select the other full text.

Section 2-17 EXITING THE TUTORIAL

    To stop reading, press Escape (ESC) to return to the tutorial
menu, <M> to return to the main menu, or <X> to exit (quit) the
program and to return to DOS. That was easy- wasn't it!

                 Section 2-18 DRAFTING DOCUMENTS
                     THE DOCUMENT GENERATOR

    We are very proud of our document generation program and hope
that you will be as well. Through the use of this part of the
program you will be able to draft custom legal papers that are
legal and binding in all 50 states. These forms will accomplish
their objectives of course, if you use a form that isn't right,
or doesn't completely accomplish your goal, you'll have a legal
and valid form that accomplishes something other than you
desired.

    READ CAREFULLY

****************************************************************

IT IS ESSENTIAL TO HAVE AN ATTORNEY REVIEW DOCUMENTS THAT YOU
MIGHT PREPARE FROM TIME TO TIME; THE DOCUMENTS HEREIN ARE VALID
IN THAT IF THEY ARE PROPERLY PREPARED THEY WILL BE EFFECTIVE TO
CAUSE THE INTENDED RESULT. THIS MEANS HOWEVER, THAT A USE OF THE
FORMS FOR AN INAPPROPRIATE PURPOSE WILL RESULT IN AN
INAPPROPRIATE RESULT. WE IMPLORE YOU TO SEEK LEGAL COUNSEL IF THE
FAILURE OF A LEGAL FORM TO ACCOMPLISH THE INTENDED PURPOSE WILL
BE FINANCIAL LOSS. UNDER THE DISCLAIMERS OF WARRANTIES HEREIN,
DAMAGES MAY NOT BE RECOVERED FOR THE MONETARY LOSSES AND OTHER
DAMAGES, INCLUDING CONSEQUENTIAL DAMAGES SHOULD A FORM NOT MEET
YOUR NEEDS. YOU'LL STILL SAVE TIME AND MONEY BY USING THE FORMS-
JUST HAVE THEM REVIEWED. IN ADDITION BE SURE TO GET THE LATEST
FORMS BY CHECKING IN FOR UPDATES.

****************************************************************

In order to begin using the forms generator, from the main menu,
please select option "D", prepare legal documents, by either
entering <D> and then <Return>. Use the cursor keys (up and down
arrows) to select which form you will prepare. NOTE THAT THERE IS
MORE THAN ONE SCREEN OF CHOICES, either scroll to the end, or use
"Page Down" (you may have to do this more than once) to see all
selections.

     We very strongly suggest that you prepare the document at
least TWICE, or perhaps a few times more than that. It only takes
a brief period of time, and it is vital that the legal paper
reflect all information 100% correctly.

****************************************************************
LAWS CHANGE AND THIS MAY FORCE A CHANGE IN FORMS TO MAKE THEM
COMPLY WITH LEGAL REQUIREMENTS. PLEASE BE SURE TO CHECK FOR
UPDATES. WHAT YOU HAVE RECEIVED CONTAINS THE FORMS TO THE DATE OF
SHIPPING AND IS SUPPLEMENTED AND UPDATED REGULARLY.
****************************************************************

     Once "inside" a document you will have the opportunity to
enter information, and "custom build" your form.

SECTION 2-19 BUILDING DOCUMENTS: SCREENS

You will then see two types of form building screens- a multiple
choice box and a fill in the blank box.

SECTION 2-20 FILL IN THE BLANK SCREENS

First the fill in the blank box:

Enter, exactly as you wish to see it, the information requested.
Be careful to put it in the format requested- if the fill in the
blank box asks for the information in numerals, use numerals. If
it asks for information in numbers, enter numbers. Once you have
finished filling in the blanks, then hit return. You can "edit" a
line prior to entering "return" by using the backspace key. If
you have made a horrible goof and want to start from scratch, use
the tab forward key to highlight the "cancel" choice on the
bottom of the dialog box, and press return. On occasion the space
which is provided is too small. In that case, simply enter in the
fill in the blank box "See exhibit 1 (etc.) and use a separate
sheet to continue. The document will then be canceled.

SECTION 2-21 MULTIPLE CHOICE SCREENS

     You will also see multiple choice boxes. Use the up arrow
and down arrow (cursor keys) to place the "bullet" in the choice
that you would like, and press <Return>.

SECTION 2-22 FINISHING DOCUMENTS- NAMING DOCUMENTS

     Once finished with a document, press <ESC> (Escape key) and
then fill in the name of the document. Ms-dos limits you to eight
characters and an extension on a file, for example- "guide.exe."
We don't-- your document can be named using up to 72 characters,
including blanks-- Thus, a note from Joe to Fred for $ 1.00 done
on 1/1/90 can be named:

Note from Joe to Fred- value $ 1.00 dated 1/1/90

Use a completely descriptive name so you will know exactly what
the document is.

SECTION 2-23 PRINTING DOCUMENTS

     To print out a document, after completing your answers, and
seeing the document, press <P>, and a dialog box will ask you
use the cursor key to say "yes" or "no." Before saying yes be
sure that the printer is connected to the computer, turned on,
has ribbons and paper. You may use  a printer of your choice from
daisy wheel, a dot matrix to a laser; just be sure that it is in
"COM1." Call us if you have a problem. We have tested and tested
the program for compatibility with many printers, and have had no
problems. But there's always a first time. Incidentally, the
printer will do a form feed prior to printing!

The specific forms and the information required to complete them
are discussed in section 3.

SECTION 2-24 REVIEWING DOCUMENTS

     To print out a document which you previously saved, go to
the main menu and either use the cursor key or enter the letter
<E> and then press <Return>. The documents, with titles that you
you have chosen will appear on screen. To see one, highlight that
document and press <Return.> To print, press <P>, check that you
are ready and then print away. To delete a document, once you are
inside the document hold down the <Alt> key and while holding
press the letter <D> This will permanently erase a document, and
in most cases even an undelete program will not save you! Be sure
that you intend to do so before zapping a document to never-never
land!
                            SECTION 3

                   FORMS- INFORMATION REQUIRED

SECTION 3-1 FORMS IN GENERAL

In this section of the manual, we'll explain what information is
needed to prepare each form, and will outline for what purposes
the form is useful.

Lawyers are frequently asked to draft a "note", a "deed" or a
"lease." Unfortunately it's the wrong question to ask! There is
no such thing as a --fill in the blank--. Nor is there a
"standard" whatever it is.

Why? Each form inevitably has to make compromises and favor the
interest of one side or the other. INEVITABLY.

Here's one example. If a creditor (the person owed the money)
wants "a note" drafted, then an attorney will provide:

for interest; for interest after default to be at the highest
legal rate; for attorney's fees to be paid if the note is
collected by an attorney; no grace period; etc.

such "a note" is a legal, valid instrument. On the other hand if
asked to draft "a note" for the debtor the note will:

have a grace period; not provide for attorney's fees, extra
interest after default etc.

Yet each form is a perfectly valid "note."

The problem with forms purchased at a store is the famous problem
of "one size fits all" brain surgery. You'll get a note all
right- but is it a note that makes SENSE for your side of the
deal?

In the Home and Business Legal Guide and Forms Generator we
provide a large library of forms for use. Before you draft any
form, please read and consider the directions on each form.

Our directions tell you what information that you'll need to
complete each form, what you should have read in the package
before beginning and who the form favors. ULTIMATELY WE WILL HAVE
AT LEAST TWO VERSIONS OF EACH FORM, one favoring each side of the
transaction. At this time, we have generally tried to make a form
that is the best compromise that gets each side the bulk of what
it needs and conforms to actual practice.

Is it fair that forms inevitably favor one side or the other?
That is a very good point. Go to a bank and you will certainly
get to sign a form that favors the bank at almost every turn. In
our justice system we have an "adversarial" system. We hope that
through this system that each side watches out for itself and
justice is served. Often not. Since this is the system that we
have, this Legal Guide stays within the system, but recognizes
its flaws. Is it right to use a form that favors your side of the
deal? In this society as a whole, right or wrong, it is
considered to be acceptable.

By the way, it is inevitable that in a package such as this that
the forms contain some of my judgment as to what should appear in
each deal. Some persons reviewing the same may not agree. That's
to be expected.

SECTION 3-2 GENERAL FORMS

The copy of the program which you are using is an evaluation
copy. Therefore, complete information on all of the forms is
contained in the registered manual. The forms in the evaluation
copy are described in detail below:

SECTION 3-3 BILL OF SALE FOR USED GOODS

This form is used to as a combination receipt and bill of sale.
It is intended solely for a deal in which a CONSUMER sells
something that they own to another person. This form was prepared
because small claims courts are populated with cases in which
someone who has bought a used boat motor, or whatever, sues the
seller claiming that the product failed to work, etc. However,
the law in most states is that there IS NO WARRANTY when a
person who is not a dealer in that type of goods sells them. This
form can be characterized as favoring the seller, since it's
effect should be to limit the possibility of suits because "he
said it worked......."

Information needed:

Name of the seller; name of the buyer; description of the goods
sold- here be sure to call it a "used" whatever;

The form provides the following choices as to the payment of the
sales price: cash, or part cash and assumption of liens. For
example, if there is a lien on a stereo you are selling, then the
sales price is for cash of whatever and the buyer agreeing to pay
the lien. In this case have the name of the lienholder and the
amount of the liens handy.

If you are financing a purchase of something don't use this form.
Instead, use the security agreement form.

SECTION 3-4 GUARANTEE FORMS

A guarantee is an agreement by one party to pay the debt, or to
take care of the obligations of another party. This is frequently
used with corporations. Most corporations are very thinly
capitalized, and thus for obligations of any size, savvy
creditors demand that the owners guarantee the debt.

Under a law known as the Statute of Frauds, the promise to pay
the debt of another must be in WRITING TO be valid. DON'T FORGET
THIS!!

Therefore, we have a personal guarantee. This document actually
produces THREE different kinds of guarantees. The first is an
unconditional, blanket guarantee. This means that the guarantor
(person agreeing to make good another's obligations) agrees that
whatever debts and obligations are due from the primary debt, in
whatever amount will be their responsibility. This is the most
dangerous kind of guarantee to sign for the guarantor, but the
most favorable to the creditor.

The second is a guarantee agreement for a specific obligation. In
other words, in this agreement the guarantor is agreeing to pay
whatever comes out of one specific deal.

The third is a guarantee that covers all obligations, but, is
limited to a total specified sum. Thus, the guarantor agrees to
pay a certain sum, if the balance is that or lower and the
primary debtor doesn't pay. As we stated in the initial portion
of this section of the manual, forms are slanted to one end of
the deal or another. In this case the guarantee language is
fairly standard; which type of guarantee selected is the factor
which determines the party favored.

The following information is needed to complete the form; of
course, you must choose which one of the guarantees represents
your agreement.

SECTION 3-5 SECURITY AGREEMENT

This form is called many different things by different folks.
Some refer to it as a "conditional sale" in which the condition
is you get to keep the property if you pay a debt that you agreed
to pay to acquire the property. Sometimes it is called a "Chattel
Mortgage"; in some cases it is known as "Lease." All of these
instruments are really security agreements. In simple words a
security agreement is a LIEN on property.

LIMITATIONS: Security agreements are used for tangible assets,
contract rights and intangibles. They are NOT appropriate for
securities, cash or real estate. With securities a pledge and
physical possession of the securities is appropriate. With cash,
physical possession is required and with real estate mortgages
are required (trust deeds in some states.) SPECIAL WARNING:
Unless you have physical possession of the collateral certain
filings are required to perfect the lien. If you don't file, your
lien will be invalid against other creditors.

This selection on the menu prepares three different types of
security agreements. The first is a standard security agreement
in which a party puts up his property for a loan or for a
purchase. In this form, the debtor agrees to make good any
deficiency (that is if the property is repossessed and does not
bring enough in to pay off the debt, they're on the hook for the
difference.) There are some further variations: whether the
security is provided for a single debt or for all debts (this
latter set is called a cross collateralization clause.)

In addition, this selection on the menu can produce a
hypothecation. (See on line dictionary for explanation).

The following information is required:

names of each party; a specific explantion of the property
secured, either general or specific-- thus you can have a lien on
a specific fork-lift, or on the accounts receivable of a
business;

if the security agreement secures a specific debt, the date of
the debt and the original principal amount;

if the security agreement is a hypothecation, then the person for
whom the debt is secured must be identified, together with that
debt-- the date of the debt and the original amount;

in all security agreements-- are there other liens on the
property? (first lien vs. junior lien) and if so, the amount of
the liens and the identify of the creditor;

will this security agreement secure all other debts between the
parties?

                        REAL ESTATE FORMS

SECTION 3-6 OFFER TO PURCHASE REAL ESTATE

This is a very complicated form. Anyone who has been in the real
estate business for any period of time will recommend that all
parties in real estate deals, whatever size, have legal counsel.
So do we.

The real estate offer form is used by a buyer (and real estate
agent) to make an offer to an owner. Here we go with the needed
information:

Seller's name, address; gross purchase price; legal description
of the property; expiration date of the offer.

Will the purchase price be paid: in cash, with terms;

If mortgages are to be assumed: the amounts and mortgage holders;

If the seller is to grant a new mortgage as part of the purchase
price: the principal amount, rate of interest and payment terms;

If the buyer will need to obtain a new mortgage, the amounts, the
term of the mortgage in months, the maximum allowable rate of
interest on the new mortgage, the maximum number of points to be
paid by the buyer, the maximum application fee to be paid by the
buyer;

If there are buildings on the property;

The number of days between acceptance and closing (minimum and
maximum), number of days to provide title insurance by the owner;

Closing costs to be paid by each party;
if the parties used a realtor, the name of the realtor.

This form conforms to practice in most of the east coast of the
United States. The form does not provide for opening of an escrow
(a form for this is provided in the registered copy). The form is
a close to neutral a framework as possible. Where the form favors
on side or the other is in the fill in the blank parts.

SECTION 3-7 REAL ESTATE BROKERAGE EXCLUSIVE LISTING

This form is for the EXCLUSIVE listing of real estate with a
brokerage. The form should be considered as leaning towards the
owner, although this is again an example of a form that is not
wildly favorable to one side or other.

Information required:

The name of the owner of the property; the broker; the legal
description of the property; the number of days of the listing;
the minimum sales price; the financing that the owner will
provide; the amount of the commission; the right of the broker to
place a sign on the property

LIVING WILL FORMS:

SECTION 3-8 IDAHO LIVING WILL FORM

Before preparing this form, be sure to review the Idaho Living
Will Summary from the tutorials menu. The following information
is required:

the name of the declarant; the terminal condition of the patient;
the treating physician's name, address and telephone number; and
the county where executed


                              SECTION 4
                      CUSTOMER SATISFACTION

Section 4-1: REGISTRATION

The copy of the program which you have is an evaluation copy. For
information on the shareware concept, please review the "read.me"
file. All functions in the evaluation version operate exactly as
in the registered version- this is not crippleware. However, our
registered version has grown to about 2 megabytes, and even
archived would take about 1.1 million bytes. This amount is not
feasible to download from BBS systems. Therefore, we have
prepared a separate evaluation version of this package. It
contains the same exact executable files, but to get it to about
250 KB archived, we limited the data, and excluded manual
references related to the material that was skipped. Please
review the "Read.me" file to insure that you have seen the list
of forms, tutorials and statutes that are in the presented
registered version.

Registration is $ 39 for one year and $ 15 for each additional
year. Registered users receive:

Full program and data
Full manual
Access to private 24 hour BBS system for updates and technical
     support- connect time of 1 hour daily
Telephone support (Available from 8 a.m. to 4:30 p.m. weekdays-
limited to one hour in first month, and one hour for the
remainder of the year)
Monthly data updates (via bbs; mailed semi-annually to those
     without modems)
Mail support
Any upgrades to the program during the registration period

Section 4-2 Philosophy

    Each one of our users is our "boss." Your satisfaction is our
only concern. Despite our release of this software as "shareware"
you will find that we do this for a living and are just like any
other commercial software house, although we like to think that
our product is the best legal forms generator and we KNOW that it
is the first to provide full text and tutorials in the quantity
and quality we have. We have several commercial products in
distribution. Ie.- this is not a hobby and we are not coding in
our garage. Thus you will find that we have VERY knowledgeable
support people available at all times. In fact, it is usually one
of the developers that is manning the support desk.

In addition, please feel free to suggest topics for tutorials,
the text of laws that you would like to see annotated and new
forms that you need. We'll bust our butts to do it quickly.

If there is anything we can do to help (besides shooting
ourselves) please reach us via BBS or write:

About the product--- Herb Kraft & David Byron

About technical aspects of the program--- Warren Clary & David
    Byron

at: P.O. Box 37155
    Tallahassee, Florida 32315

or via BBS,

and we'll leave you a message or write back.

PLEASE NOTE: Our technical staff will help you with questions
about how to use the program. They will not and cannot answer
legal questions. UNDER THE LAW ONLY ATTORNEYS CAN GIVE LEGAL
ADVICE, and we cannot give out specific legal help. To find an
attorney, call your local bar association and find out if they
have a bar referral service.

Section 4-3 UPDATES- PRIVATE BULLETIN BOARD SERVICE

    The product which you have received is constantly being
expanded by adding new forms, tutorials and statutes. In
addition, laws change on a regular basis. We follow legislative
changes and updates. It is always true that a law book is
obsolete as soon as it is released. And this computer program is
no exception. The present shipping version is only 25% of the
data that you will receive! We have several MEGABYTES more to go!

YOUR REGISTRATION FEE INCLUDES ONE YEAR WORTH OF UPDATES- WHETHER
TO THE "EXECUTABLE" PROGRAM OR DATA. BEFORE THE END OF YOUR
YEAR'S SERVICE, WE'LL CONTACT YOU TO SEE IF YOU WANT MORE
UPDATES! (THE CHARGE FOR MORE UPDATES IS JUST $ 15.00 FOR
ADDITIONAL YEARS!)

    Therefore, we have a private bulletin board service. For
those of you who have modems, we assume that you are already
familiar with bulletin boards and the wonderful interchanges of
messages, data and programs that take place in user group,
commercial and government bulletin boards. Once you register we
will provide you with the BBS number and information on use. By
calling the bulletin board monthly you'll be able to get updates
both to information and to the executable programs. Updates are
posted once a month on the last Sunday of the month. For those of
you without modems and communications software-- boo hiss. You're
not taking advantage of the full potential of your computer
without communications capability! However, for any of you
without them, we will mail the updates at half-yearly intervals.
We cannot recommend too highly that you get communications
capability! Besides your local computer store, a great place to
buy modems and software to run them is Computer Shopper, which
you can buy at virtually every grocery store or newsstand in the
United States. We have no financial interest in any
communications software house, but, the developers of this
program use Telix (Shareware). A few other tips-- try to get at
least 2400 byte transmission speed, and Hayes compatibility (or
Hayes product itself) are the standard in the industry. If you do
decide to hook up with the world, by all means buy an issue of
Computer Shopper and look through the bulletin board section for
information on bulletin boards near you.

SECTION 4-4 CUSTOM PREPARED FORMS

     If you look at our forms library and don't find a form that
precisely fits your needs, we offer a custom form preparation
service for our registered users. For an additional fee ranging
from $ 25.00 (minimum) to $ 100.00 (maximum) per form we will
provide you EXCLUSIVELY with a custom prepared program to
generate the form that you need.

     This service includes:

a) telephone interview with Herb Kraft, the attorney who prepared
the legal portion of this program;

b) legal research as needed;

c) preparation of an exclusive custom form that precisely fits your
needs;

d) support for the new form.

To be sure that there are no misunderstandings:

1. Users are NOT charged if they suggest a general type of form
to be added to the program, and we welcome such suggestions;

2. Registered users requiring a form specifically for their
business needs which is exclusive to them and custom prepared,
may obtain a firm price quote by calling customer support. The
fee for a custom form is in addition to the registration fee.

                            SECTION 5

                     THE RADIO LAW FIRM (tm)

     Herb Kraft, the co-developer of the program is an attorney
and the host of the Radio Law Firm, a four hour weekly legal
advice program, heard now over 70 stations nationwide (and
growing) as well as on satellite, every Sunday from 1 p.m. to 5
p.m., Eastern time.

Here's how to get the program on home satellite:

Sun:

Satcom 3, Channel 17, frequency 1.05  FM Squared, 15 khz

Satcom F 1 R  Channel 4, Frequency 5.445 TVRO

Satcom 3, Channel 17, 6.5 audio TVRO

Feel free to call in the Radio Law Firm. Here is a list of some
of the cities carrying the Radio Law Firm:

Chicago, San Francisco, Boston, Houston, Hartford, (Key West)
Miami, Tampa- St. Petersburg, St Louis, Daytona Beach/Orlando,
Milwaukee, Charlotte, Raleigh, Blackwell- Oklahoma City, Memphis,
Ogden-Salt Lake City, Norfolk, Harrisburg- York, Greensboro,
Wichita, Albany-Schnectady-Troy, New York, Tulsa, Oak Ridge
Tennessee- Knoxville, Mobile, Sanford, Maine, Paducah, Kentucky
(Metropolis, Ill.), Springfield, MO, Clinton- Quad Cities,
Chattonoga, Natchez-Jackson, Miss., Bristol, VA, Fort Myers, Fl.,
Montgomery, AL, Amarillo, Texas, Macon, GA, Cadillac, Mich.,
Columbus, Miss., Boise, Redding, Calif., Bluefield, WV, Bagor,
Maine, Hattiesburg, Miss., De Funiak Springs, Fl. (Panama City),
Lake Charles, La., Las Vegas, Tallahassee, Buffalo

(Some stations only carry some hours.) We know that you'll like
the pro-consumer, "no-nonsense" approach to law on the Radio Law
Firm.

And speaking of computers, co- developers Herb Kraft and David
Byron host the "Data-Zone" and have great guests from the
computer industry on weekly, Saturday's 4 p.m. to 6 p.m., Eastern
time. Previous guests have included Gary Saxer (Quarterdeck);
Paul Mace; Jim Button and other luminaries. Hope you'll listen
in.

                            SECTION 6
                           WHO WE ARE

    The staff that prepared this program consist of:

Herbert Kraft (Herb), Attorney at law admitted to practice in
Florida; Developer and author of legal material, comments and
documents, Chief Developer (It's all my fault-- honest)

David Byron, Co-Developer; Warren Clary, P.E., Software engineer
and co-developer, Warren is the author of the computer program
itself (and did a tremendous job!)

Susan Munroe, Executive Legal Secretary, who suffered through a
lot of the typing that you see

Alice Brown, Executive Secretary,

                            SECTION 7
                            LEGALESE

Section 7-1 LIMITATION OF WARRANTY

     ***EXCEPT FOR THE CUSTOMER SERVICE POLICY THERE ARE NO
WARRANTIES EXPRESS OR IMPLIED, AND THE SELLERS AND MANUFACTURER
SHALL NOT BE LIABLE FOR CONSEQUENTIAL DAMAGES. THE SOLE REMEDY
SHALL BE LIMITED TO THE REFUND OF PURCHASE PRICE. THE FORMS
HEREIN ARE NOT INTENDED TO BE USED UNLESS THE SAME ARE REVIEWED
BY AN ADVISOR OR ATTORNEY, AND THE SELLERS AND MANUFACTURERS OF
THIS PROGRAM SHALL NOT BE LIABLE FOR DAMAGES RESULTING FROM THE
FAILURE OF A FORM TO ACCOMPLISH THE GOALS OF THE USER.***

                           TRADEMARKS

    IBM PC, PS/2, AT, XT, and PC-DOS are trademarks of IBM. MS-
DOS and OS/2 are a trademark of Microsoft. DR-DOS is a trademark
of Digital Research. R FRINGE is a trademark of R FRINGE
SOFTWARE, INC., THE HOME AND BUSINESS LEGAL GUIDE AND FORMS
GENERATOR is a trademark of R FRINGE COMPUTER SOFTWARE, INC.
Desqview is a trademark of Quarterdeck, Sun Radio Network a
trademark of KSBN, Inc.

                            SECTION 8
                              INDEX

The index refers to section numbers, not page numbers.

Section     Topic

1-1   System Requirements
2-1   Reference to Quickstart manual
2-2   Detailed operating instructions begin
2-3   Start up and mainmenu- keyboard users
2-4   Start up- mouse users
2-5   Selecting menu options
2-6   DOS SHELL
2-7   STATUTES MENU
2-8   Browsing through statutes
2-9   Note pad (on line)
2-10  On line definitions
2-11  Exiting statutes
2-12  TUTORIALS MENU
2-13  Selecting a tutorial
2-14  Taking notes (cross references to 2-9)
2-15  Opening a second menu
2-16  On line definitions
2-17  Exiting tutorials
2-18  DRAFTING DOCUMENTS (USING THE DOCUMENT GENERATOR)
2-19  Building documents, types of screens
2-20  Fill in the blank screens
2-21  Multiple choice screens
2-22  Finishing documents- naming documents
2-23  Printing documents
2-24  REVIEWING DOCUMENTS
3-1   INFORMATION REQUIRED TO CREATE DOCUMENTS
3-2   General Forms
3-3   Bill of Sale for Used Goods
3-4   Guarantee of debts and obligations
3-5   Security Agreement
3-6   Offer to purchase real estate
3-7   Real Estate Brokerage form, exclusive listing
3-8   Idaho Living Wills Forms
4-1   CUSTOMER SATISFACTION- Shareware registration
4-2   Company philosophy on service
4-3   Updates- private BBS
4-4   Customization of legal forms; special service
5-1   About the Radio Law Firm
6-1   About our staff
7-1   Warranty disclaimer and legaese
8-1   Index