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  1.  
  2.                                        THE FINANCIAL COMPANION
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  4.                                                                               By R & B Software
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  6.         This program is a complete financial package that will inform you of the effects of any financial decision that you may wish to make.  It calculates interest rates, term of a loan, investment performance and much, much more.
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  8.         As usual a 'double click' on the '$' icon will run this financial package and from there the normal Mac© methods are employed.  If you are not familiar with standard Mac© terminology and procedures, may we suggest that you familiarise yourself with these before proceeding.  Within half an hour you should be able to compete with your local Bank Manager, working out loan repayments, investments etc.
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  10.         From the title page you may select from 'FILE', 'LOANS' or 'INVESTMENT' and then select the appropriate section for your requirements.
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  13. FILE
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  15.         This allows a choice between 'PAGE SETUP' and 'QUIT'.  It is recommended that you set up the page before printing out any calculations.  'QUIT' is self explanatory.
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  17. LOANS
  18.                                                         REG. PAYMENTS
  19.                                                         LOAN TERM
  20.                                                         INT. RATE
  21.                                                         REM BALANCE
  22.                                                         AMORTIZATION
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  24.         The first four selections in this category all work on a similar basis.  Select the desired function from the 'pull-down' menu, fill in the blanks in the 'edit' boxes, press 'CALCULATE' and the answer is displayed near the bottom of the screen.  You may change the figures as often as you wish and see the results.  If you wish to print your figures, press the 'PRINT' button and a hard copy will be printed to study at your leisure.  Of course you must ensure that your printer is switched on and installed through the 'CHOOSER' function of your machine.
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  26.         Amortization is a long and involved program that lists the amount amortized, interest paid, remaining balance etc. on a payment by payment basis.  If you wish to exit this section, pressing 'ESC' will take you to the entry page.  You may exit from there or make changes to your figures and then recalculate them.
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  31. INVESTMENT
  32.                                                         FUTURE VALUE
  33.                                                         REG. DEPOSITS
  34.                                                         REG. WITHDRAWALS
  35.                                                         EFF. INTEREST
  36.                                                         INFLATION RATE
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  38.         These work in an identical fashion to the first four of the 'LOANS' menu.
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  40.         The 'REG. DEPOSITS' function may be used to calculate Superannuation benefits but care should be taken as interest rates and amounts deposited will probably alter over the lengthy time that this would normally accrue.
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  42.         While we do not guarantee that you will make a million dollars by using this program, it may just help !!!!
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  45. In no event will the author be liable to you for any special, consequential, indirect, direct, or similar damages, including any lost profits or lost data arising out of the use or inability to use The Financial Companion or any data supplied therewith even if the author or anyone else has been advised of the possibility of such damages, or for any claim by any other party. 
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  47. LEGALITIES:
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  49. This documentation must be included with all copies of The Financial Companion.  Please do not give out copies of this program without the documentation.  This program is available for all non-commercial use, so please feel free to pass it along to your friends.  It may not be sold for profit without the author's written permission.
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  51. SHAREWARE NOTICE:
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  53. This program is Shareware, and if you decide to keep it, you should send in a registration fee of AUS$15.00, U.K.£7.00 or US$10.00. To register, send a check to the mail address below.  Thanks, and I hope you like it!
  54. If you register you will receive a small manual on operating this program and you will receive notification of all future updates to the program.
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  56. $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$                                        R & B Software
  57.                                         P.O. Box 1168
  58.                       Tullamarine
  59.                       Victoria      3043
  60.                     Australia
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