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AFFORDIT.LZH
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README.DOC
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1991-06-20
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Welcome to AFFORD IT???, a shareware available program.
This file presents user documentation to help explain the concept of
shareware, how AFFORD IT??? works, and why registration of AFFORD IT???
is so important.
DEFINITION OF SHAREWARE
-----------------------
Shareware distribution gives users a chance to try software
before buying it. If you try a Shareware program and continue
using it, you are expected to register as a user of the program.
Individual programs differ on details -- some request registration
while others require it; some specify a maximum trial period. With
registration, you get anything from the simple right to continue
using the software to an updated program with printed manual.
Copyright laws apply to both Shareware and commercial software,
and the copyright holder retains all rights with a few specific
exceptions as stated below. Shareware authors are accomplished
programmers just like commercial authors, and the programs are
of comparable quality. (In both cases, there are good programs
and bad ones!) The main difference is in the method of
distribution. The author specifically grants the right to copy
and distribute the software either to all groups or to a
specific group. For example, some authors require written
permission before a commercial disk vendor may copy their
Shareware.
Shareware is a distribution method, not a type of software. You
should find software that suits your needs and pocketbook
whether it is commercial or Shareware. The Shareware system makes
fitting your needs easier because you can try before you buy.
Since 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.
This program is produced by a member of the Association of Share-
ware 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 49442, or
send a CompuServe message via CompuServe Mail to ASP Ombudsman
70007,3536.
DISCLAIMER - AGREEMENT
----------------------
Users of AFFORD IT??? must accept this disclaimer of warranty:
"AFFORD IT??? is supplied as is. The author disclaims all
warranties, expressed or implied, including, without limitation,
the warranties of merchantability and of fitness for any purpose.
The author assumes no liability for damages, direct or conse-
quential, which may result from the use of AFFORD IT???.
"Additionally, the calculations done by the AFFORD IT??? program are
meant to provide fairly accurate approximations. Although, the
amortization information used in this program has been thoroughly
researched before and while it was written, GARRETT KRUEGER and
GARRETT KRUEGER SOFTWARE DEVELOPMENT make no claim to be experts on
the subject of amortization. For various reasons, the figures generated
by AFFORD IT??? may not exactly match those from other sources. These
results ARE NOT meant to be used as a legal defense, or any other type of
defense, against figures provided by banks or other financially related
persons or institutions."
AFFORD IT??? is a "shareware program" and is provided at no charge
to the user for evaluation. Feel free to share it with your
friends, but please do not give it away altered or as part of
another system. The essence of "user-supported" software is to
provide personal computer users with quality software without
high prices while still providing incentive for programmers to
continue development of new products. If you find this program
useful and find that you are using AFFORD IT??? and continue to use
AFFORD IT??? after a reasonable trial period, you must make a reg-
istration payment of $22.00 to GARRETT KRUEGER. "TYPE ORDER.FRM>PRN"
to print the file on your printer. Fill out the resulting form and
include your $22.00 check. If you wish, you may send your check and
your own note indicating a wish to register AFFORD IT??? to this
address:
GARRETT KRUEGER SOFTWARE DEVELOPMENT
Attn: Afford It Registration
380 E. Wheelock Pkwy. #135
St. Paul, MN 55101
The $22.00 registration fee will license one copy for use on any one
computer at any one time. You must treat this software just like
a book. An example is that this software may be used by any
number of people and may be freely moved from one computer
location to another so long as there is no possibility of its
being used at one location while it is being used at another.
This is just as a book cannot be read by two different persons
at the same time.
Commercial users of AFFORD IT??? must register and pay for their
copies of AFFORD IT??? within 30 days of first use or their licenses
are withdrawn. Site-License arrangements may be made by con-
tacting GARRETT KRUEGER.
Anyone distributing AFFORD IT??? for any kind of remuneration must
first contact GARRETT KRUEGER at the address below for authorization.
This authorization will be automatically granted to distributors
recognized by the (ASP) as adhering to its guidelines for
shareware distributors, and such distributors may begin offering
AFFORD IT??? immediately (however, GARRETT KRUEGER must still be
advised so that the distributor can be kept up-to-date with the
latest version of AFFORD IT???).
You are encouraged to pass a copy of AFFORD IT??? along to your
friends for evaluation. Please encourage them to register their
copies if they find that they can use them. All registered users
will receive a copy of the latest version of the AFFORD IT???
system.
The AFFORD IT??? System
-----------------------
AFFORD IT??? is a "load-and-go" program. All supporting information is
found within an on-screen help network; there are no manuals needed.
Menus are provided for ease of use as AFFORD IT??? has several different
calculation modes depending upon the information you are looking for.
Within these modes, the principle, monthly payments, duration of a loan,
and pay-off amount can be found. Present and future values can be found
for annuities, and an on-screen pocket calculator is included for quick
calculations. Output may be directed to the CRT or a line printer.
The calculations done within AFFORD IT??? use the method of add-on install-
ments or equal principle reduction. Some lenders use slightly varying
calculations, but AFFORD IT??? should provide an excellent idea of what to
expect in general.
It is suggested that, before you use AFFORD IT???, you should read through
the contents of the help system. It will help you understand the program
and a little bit about interest calculation.
AFFORD IT??? was written for use on IBM-PC family/100% compatible systems.
It is suggested that the user have at least 256K of RAM and MS-DOS version
3.0 or newer.
IBM-PC is a trademark of International Business Machines, INC.
MS-DOS is a registered trademark of Microsoft Corporation.
The Importance of REGISTRATION
------------------------------
If you find that you enjoy AFFORD IT??? and wish to continue using it, you
should be sure to register it for the $22.00 fee. This fee then entitles
you to:
1) NO MORE REGISTRATION SCREEN! You will receive the latest version
of AFFORD IT???, and this registration screen will be gone. Getting
into AFFORD IT??? by pressing a key will be much faster. You have
the option of receiving the updated version on a 3½ inch disk if
you wish. Please specify your wish with your registration letter.
2) a full 90 day warranty during which your program disk will be
replaced free of charge if you return your defective program
disk with a brief explanation of the problem. Disks can be
returned to the address listed in #4.
3) hear of updates in version numbers and receive special offers for
the purchase of these updates.
4) free technical support. To contact GARRETT KRUEGER SOFTWARE
DEVELOPMENT by telephone, dial: 1 (612) 776-9942. The phone
company will charge you for the call if it is long distance. If
you cannot reach someone in person, leave a message about the
nature of the problem. Your call will be returned as soon as
possible. To contact GARRETT KRUEGER by mail, write:
GARRETT KRUEGER SOFTWARE DEVELOPMENT
Attn: Tech. Support
380 E. Wheelock Pkwy. #135
St. Paul, MN 55101
To register AFFORD IT???, direct a copy of the accompaning file ORDER.FRM
to your printer by typing "TYPE ORDER.FRM>PRN {Return}." Fill in the
information requested, fold as directed, and mail your registration with
your check for $22.00. If this poses a problem, you may submit the
filled-out form on a floppy disk to the address listed in the form. This
disk will be returned to you containing the updated version of AFFORD
IT??? and its supporting files. Your registration will be confirmed when
it is received.
General correspondance can be directed to:
GARRETT KRUEGER SOFTWARE DEVELOPMENT
Attn: Afford It Program
380 E. Wheelock Pkwy. #135
St. Paul, MN 55101
GARRETT KRUEGER and GARRETT KRUEGER SOFTWARE DEVELOPMENT hope you enjoy
using AFFORD IT??? and that you will remember to register your use. Good
luck and enjoy it!