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USERS MANUAL.DOC
EASY AGENT 1.3
Copyright (c) 1990, 1991 Thomas W. Boyd
97 Greenbrook, Brandon, MS. 39042 (601-825-4926)
AUTHOR MEMBER
ASSOCIATION OF SHAREWARE PROFESSIONALS
All RIGHTS RESERVED
The Purchaser will be licensed to use this Software and printed
materials in the EASY AGENT package under the terms of this
Software License Agreement. PRACTICAL PROGRAMS grants you a paid-
up, non-transferable, personal license to use EASY AGENT 1.3 on
one (1) computer work station and one (1) Laptop. You do
not become the owner of the package. You do not have the right to
copy (except permitted backups of the software), or alter the
software or printed materials. You are legally accountable for any
violation of the License Agreement and copyright, trademark, or
trade secret law.
SYSTEM REQUIREMENTS.
IBM-PC or Compatible Computer with 512K or more memory. One (1)
floppy disk drive or hard disk drive, and MS-DOS Release 2.0 or
later.
IBM is a registered trademark of International Business Machines.
MS-DOS is a registered trademark of Microsoft Corporation.
The Contract forms (CONTRACT FOR SALE OF REAL ESTATE, Form 7, and
COMMERCIAL PROPERTY CONTRACT, Form 21), included in the EAST AGENT
package, are Copyrighted (c) 1986-1991 by, K. F. Boackle,
Attorney-at-Law, Jackson, Mississippi 39236. For more information
(about camera ready, typeset form masters) call (601) 957-7000.
The MISSISSIPPI ASSOCIATION OF REALTORS has adopted these contract
forms as there Standard Contract, and provide masters to all
Member Brokers.
WELCOME TO EASY AGENT
EASY AGENT is a Tool for busy Real Estate Agents. With EASY AGENT,
Agents can calculate Buyer's cost, Seller's net proceeds, monthly
payments and FHA minimum down payments in a matter of minutes.
Monthly payments include principal, Interest, taxes, insurance and
mortgage insurance amounts. The program does all the time
consuming and complicated calculations automatically and when any
of the transaction costs change the program recalculates all the
costs. An Agent can print (when all changes are complete), Buyer's
cost report, Seller's net proceeds report, FHA Acquisition report,
FHA allowable closing cost summary, Residential Contract,
Commercial Contract and Amortization schedules. The transaction
information also can be saved on disk (hard disk or diskette) for
future reference or revisions.
Complicated Real Estate transactions are different for each
transaction. Easy Agent makes calculating these costs simple and
easy. The program uses three separate worksheets: Sale/Purchase
Worksheet, FHA Acquisition Worksheet and Contract Worksheet for
transaction calculations. All worksheets share the same data and
information. The program automatically updates all the worksheets
when one (1) worksheet changes. The program also allows an agent
to switch from one worksheet to another with a simple keystroke,
without having to reenter data or retrieve any files. Another
added feature in the Easy Agent program is a four (4) function
calculator. The calculator is available in the Sale/Purchase
Worksheet and FHA Worksheet.
COMMON FILE SYSTEM.
All the program worksheets use the same files. Any saved file
contains all the transaction data and can be retrieved from the
Sale/Purchase Worksheet or the FHA Acquisition Worksheet.
The following is a summary of the transaction items included in
the program worksheets:
Buyer's name *
Prepaid taxes *
Seller's name *
Title insurance **
Property address *
Hazard insurance *
Sale price *
Transfer fee *
Down payment * ***
Other escrow *
Loan amount **
(2) Fill in Other *
Interest rate *
Credit report *
Years financed *
Recording fee *
Total payment **
MIP/PMI/VA fee ** *** ****
Payment principal **
Appraisal *
Payment interest **
Warranty *
Earnest money *
Total Seller's cost **
Brokerage ** ****
Seller's net proceeds **
Attorney fee *
Total Buyer's cost **
Discount points ** ****
FHA minimum down **
Loan origination ** ****
Total FHA allowable cost **
Seller's Loan balance *
FHA maximum mortgage **
Termite inspection *
Loan type (Conventional) (FHA) (VA) *
MIP/PMI/VA fee financed (yes/no) *
* user entry item
** program calculated item
*** special treatment item, depending on loan type
**** special entry item, user enters % and program
calculates amount
HOW TO START EASY AGENT
The command to start EASY AGENT is "AGENT" and the executable file
is Agent.exe. There are two (2) installation programs on the
distribution disk (INSTALL.BAT and FINSTALL.BAT). Refer to "Dual
or Single floppy drive system installation" or "Hard drive system
installation" sections in this manual for more details.
If you want to run EASY AGENT from a Floppy drive, at the "A:>"
prompt type in AGENT and press ENTER. If you have installed EASY
AGENT onto a hard drive, at the "C:>" prompt, type in "CD REALTY"
and press ENTER, at the "C:\REALTY>" prompt, type in "AGENT" and
press ENTER.
Software Support
If you have trouble with this Software please contact:
THOMAS W. BOYD
97 Greenbrook
Brandon, MS. 39042
(601-825-4926)
If you would like to see other features added to this program,
then please write to me at the above address. All licensed users
will receive notification as upgrades are available. In keeping
with my objectives (to provide PRACTICAL solutions at a reasonable
price) upgrades will be reasonably priced.
The following is a list of "planned" future additions
to the EASY AGENT program:
(1) Buyer Loan Pre-qualification Worksheet
(2) Investment Worksheet, Rate of Return and Return on Equity
(3) Mortgage Refinancing Worksheet
(4) APR (Annual Percentage Rate) calculations for Regulation
Z (Reg Z) compliance.
NEW PROGRAM IN THE WORKS!
HUD-1 SETTLEMENT STATEMENT
I am presently working on a HUD-1 Settlement Statement program.
This program will make all the complicated calculations and print
(fill in the blanks on the HUD-1 Form) a complete Settlement
Statement in a matter of minutes.
DUAL OR SINGLE FLOPPY DRIVE SYSTEMS
Start your computer with your MS-DOS start-up diskette. Be sure
to set the DATE during start-up. EASY AGENT uses the system date
in its printouts. After system BOOT, remove your MS-DOS diskette
and insert the EASY AGENT program diskette into "A" drive. At the
"A:>" prompt type FINSTALL. FINSTALL.BAT is the installation batch
file on the program distribution disk.
The FINSTALL program will prompt you for your Name/Company. Type
in either your name or your company's name at the prompt, then
press ENTER.
The FINSTALL program will next prompt you for the type MONITOR you
have connected to your computer (MONOCHROME OR COLOR). Enter "1"
for monochrome or "0" for color.
The FINSTALL program will next prompt you for the type PRINTER you
have connected to your computer (IBM or EPSON emulation). Enter
"1" for IBM proprinter or "0" for EPSON.
When the FINSTALL program is complete, I recommended that
you make a backup copy of the program disk. After you make a
backup program diskette, use it to run the EASY AGENT program. Put
the backup copy in "A" drive. At the "A:>" prompt type AGENT.
HARD DISK INSTALLATION
If you want to install EASY AGENT on your hard disk, the INSTALL
program on the EASY AGENT diskette will do it for you.
INSTALL.BAT makes a directory on "C" drive, named REALTY.
If you are using the "C" drive, put the EASY AGENT program
diskette in the "A" drive. At the "C:>" prompt type "A:\" and
press ENTER. The "A:>" prompt should be displayed. At the "A:>"
prompt type in INSTALL and press ENTER.
The INSTALL program will first ask you for your Name/Company.
Type in your name or company's name and press ENTER.
The INSTALL program will next prompt you for the type MONITOR you
have connected to your computer (MONOCHROME OR COLOR). Type in "1"
for monochrome or "2" for color.
The INSTALL program will next prompt you for the type PRINTER you
have connected to your computer (IBM proprinter or EPSON
emulation). Type in "1" for IBM proprinter or "2" for EPSON.
The INSTALL program will now begin the installation process. It
will copy all of the EASY AGENT program files into a
sub-directory named "REALTY" on your "C" Drive.
When the installation is complete, change back to "C" drive. At
the "A:>" prompt type "C:\" then press ENTER. You will need to
change to the "REALTY" sub-directory. At the "C:>" prompt type in
"CD REALTY" then press ENTER. At the C:\REALTY> prompt type in
AGENT, The EASY AGENT program will start.
If you have your hard disk partitioned, and use another drive
designation other than C:>, use FINSTALL.BAT and initialize the
program files on your diskette. When FINSTALL.BAT completes
initialization of the diskette, copy all the files to the drive
you use. You will need to make a sub-directory on your hard drive
for the EAST AGENT program files. To make a sub-directory
(Example for D:> drive) (1) type in MKDIR REALTY, and press ENTER.
(2) Type in CD REALTY, and press ENTER. (3) From the "D:\REALTY>"
prompt, type in COPY A *.* D:, then press ENTER. All of the files
will be copied to your hard disk.
<1>SALE/PURCHASE WORKSHEET
<1>SALE/PURCHASE WORKSHEET is a sub-program that you can enter all
the sales information into a worksheet, and the program will
calculate the Buyer and Seller's estimated cost. When you complete
the worksheet the first time, you can then go back and change any
of the variable's and the program will recalculate the entire
worksheet. You can print a Seller's net proceeds report and
Buyer's cost report for presentation. After you finish you
can transfer all the information to the Contract Worksheet and
print a Contract for presentation. Like the other sub-programs you
also have a built-in four (4) function calculator at your
fingertips.
SALE/PURCHASE WORKSHEET
When you choose this option from the MAIN MENU you will be
prompted whether you want a new worksheet. If you want to
fill out a new worksheet, press "Y" or ENTER. If you want to
change a worksheet you have previously prepared, press "N" and
the worksheet screen will be displayed. If you chose to fill out
a new worksheet, the program will step through the following
entries.
<1>BUYER
The cursor will be blinking in the blank after <1> BUYER. Enter
the Buyers name (30 characters or less), then press ENTER.
<2>SELLER
The cursor will now be blinking in the blank after <2> SELLER.
Enter the Sellers name (30 characters or less), then press
ENTER.
<3>PROPERTY
The cursor will now be blinking in the blank after <3> PROPERTY.
Enter the property address (30 characters or less), then press
ENTER.
<4>LOAN TYPE
The cursor will now be blinking in the blank after <4> Loan type.
Enter the loan type from the three choices (<1>Conv <2>FHA <3>VA).
THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3.
<5>SALE PRICE
The cursor will now be blinking in the blank after <5> SALES
PRICE. Enter the amount (any number from 1-9999999), then press
ENTER.
<30>EARNEST MONEY
The cursor is now blinking in the blank after <30> EARNEST MONEY.
Enter the amount and press ENTER. This program subtracts this
amount from the buyer's cost (along with the down payment) in
calculating the total buyer's cost.
THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3.
<6>DOWN PAYMENT
The cursor will now be blinking in the blank after <6> DOWN
PAYMENT. Enter the amount (any number from 1-9999999), then press
ENTER. For conventional and VA loans the program subtracts this
entry from the sale price and calculates the loan amount. For FHA
loans the program calculates the FHA minimum down payment using
the published FHA minimum down payment guidelines. If the buyer
wants to pay any additional down payment you will need to switch
(type in FHA at the Sub-Menu and press ENTER) to the FHA
Worksheet. Enter the additional down payment amount in entry <12>.
When you switch (press "N" from the FHA sub-menu) back to
the SALES/PURCHASE Worksheet the additional down payment will be
included in the total down payment amount.
<7>LOAN AMOUNT
After you pressed ENTER (the last time) the <7> LOAN AMOUNT was
calculated and displayed. The LOAN AMOUNT is the result of
subtracting the DOWN PAYMENT from the SALE PRICE for a
conventional and VA loan. Easy Agent will calculate the loan
amount based on the type loan selected and whether the MIP/PMI/VA
fee will be financed and included in the LOAN amount.
<8>INTEREST RATE & TERM
The cursor will be blinking in the blank after <8>INTEREST RATE.
Enter the Buyer's mortgage loan interest rate in whole numbers
(for nine percent enter 9), then press ENTER. The cursor will now
move to the TERM entry blank, enter the years financed in whole
numbers, then press enter. When you have completed all the
entries the payment, principal and interest will be displayed at
the lower portion of the screen.
THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3.
<9>MIP/PMI/VA fee financed (Y/N).
The cursor will now be blinking in the blank after <9>MIP/PMI/VA
fee financed (Y/N), enter Y or N, then press enter. This entry
decides if the Mortgage Insurance or VA funding fee will be added
to the base loan amount.
THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3.
NOTE: The next section of the worksheet accepts (2) two entries
for each category, you can enter an amount either under the
(SELLER) or (BUYER) column. The cursor will move from one to the
other.
<10>BROKERAGE
The cursor will now be blinking in the blank after <10>
BROKERAGE %, enter the percentage of brokerage (6, 5, 4.5 etc.),
then press ENTER. The brokerage amount calculated will be
displayed under the (SELLER) column. If the Buyer is going to pay
the brokerage, then press ENTER (Do not enter a number). The
cursor is still blinking in the blank after <10> BROKERAGE %. If
you enter a number in the blank, the amount of brokerage will be
calculated and displayed under the (BUYER) column. If the Buyer is
not paying any brokerage then just press ENTER (Do not enter a
number).
<11>ATTORNEY FEE
The cursor is now blinking in the blank after <11> ATTORNEY FEE,
under the (SELLER) column. If the Seller is paying the Attorney
fee, enter the amount and press ENTER. If the seller is not paying
this fee, press ENTER to move to the next entry. The cursor is now
blinking in the blank under the (BUYER) column. If the buyer is
paying the Attorney fee, enter the amount and press ENTER. If the
buyer is not paying this fee, press ENTER to move to the next
entry item. If you retrieve a previously saved file the attorney
fee amount will be entered to the appropriate column for you.
<12>SURVEY
The cursor is now blinking in the blank after <12> SURVEY, under
the (SELLER) column. Either enter an amount (if the seller is
paying the cost) or press ENTER to move to the entry under the
(BUYER) column. If the buyer is paying this cost enter the
amount, if not, press ENTER to move to the next entry item. If you
retrieve a previously saved file, the survey amount will be
entered to the appropriate column for you.
<13>DISCOUNT POINTS
The cursor is now blinking in the blank after <13> DIS-POINTS. If
you enter the number of discount points in this blank, the amount
will be calculated and displayed under the (SELLER) column. Press
ENTER if the Seller is not paying any points. The cursor is still
in the blank after DIS-POINTS, enter the number of points the
Buyer will pay, then press ENTER. If the Buyer is not paying any
points, press ENTER to move to the next entry item.
<14>LOAN ORIGINATION
The cursor is now blinking in the blank after <14> LOAN ORIG. This
entry is just like Discount Points entry. If Loan Origination
is one percent (1%) of the amount financed, then enter "1" (or
whatever percentage applies). Remember you can either enter the
percentage in the (SELLER) or (BUYER) column. If you retrieve a
previously saved file the loan origination amount will be entered
to the appropriate column for you.
<15>LOAN BALANCE
The cursor is now blinking in the blank after <15> LOAN BALANCE,
under the (SELLER) column. Enter an amount, or press ENTER to step
to the next entry under the (BUYER) column. Enter an amount, or
press ENTER to move to the next entry item.
<16>FHA/MIP ESCROW
The cursor is now blinking in the blank after <16> FHA/MIP ESCROW,
under the (SELLER) column. Enter an amount, or move to the (BUYER)
column by pressing ENTER. Enter an amount, or press ENTER to move
to the next entry item. This entry is for the Monthly Mortgage
Insurance Premium [two (2) months escrow]. The monthly mortgage
insurance premium amount will be calculated for you in the FHA
Worksheet. The calculation for FHA loans is one-half-of-one
percent (.5%) of the base loan amount, divided by twelve (12). The
program calculates this amount, but does not enter it into the
entry blank. This is a user entry item. Different mortgage
companies calculate this amount in different ways, this is why
this entry is a user entry item.
THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3.
<17>TERMITE INSPECTION FEE
The cursor is now blinking in the blank after <17> TERMITE
INSPECT, under the (SELLER) column. Enter an amount, or press
ENTER to step to the next blank under the (BUYER) column. Enter an
amount, or press ENTER to move to the next entry item.
<18>2 MONTHS TAXES
The cursor is now blinking in the blank after <18>2 MONTHS TAXES.
This is a "special entry item" (that allows a separate entry) for
a twelve (12) months tax amount. Enter the twelve (12) months tax
amount and press ENTER. The program will calculate the two (2)
months tax amount and display it under the (SELLER) column. The
cursor will still be in the twelve (12) months tax enter blank
(which now applies to the Buyer). Enter the twelve (12) months tax
amount and press ENTER. The program will calculate the two (2)
months tax amount and display it under the (BUYER) column.
THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3.
<19>TITLE INSURANCE
The cursor is now blinking in the blank after <19> TITLE
INSURANCE, under the Seller's column. Enter "Y" if you want title
insurance entered under the (SELLER) column, if not, press ENTER
to step to the blank under the (BUYER) column. Enter "Y" or press
ENTER to move to the next entry item. This entry uses the data
stored in the file (PTITLE.DST) to calculate this amount for you.
You can change the data file from the SET UP menu. If you retrieve
a previously saved file the title insurance amount will be entered
to the appropriate column.
NOTE.
The program uses the stored title insurance rates [(1) below
$100,000, (2) above $100,000 and less than $500,000, (3) above
$500,000 and less than $1,000,000, (4) above $1,000,000 and less
than $10,000,000], for the calculations (based on the mortgage,
loan amounts).
THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3.
<20>HAZARD INSURANCE (14 months)
The cursor is now blinking in a blank where <20> HZD INS (14 mo)
had been displayed. This entry blank is a "special entry blank"
(for entering the twelve (12) months insurance premium amount).
Enter the twelve (12) months insurance premium amount, then press
ENTER. The program will calculate the fourteen (14) months
insurance amount for you, and display the total under the (SELLER)
column. The cursor will still be in the twelve (12) months
insurance premium entry blank. Enter the twelve (12) months
insurance premium amount, and press ENTER. The program will
calculate the fourteen (14) months insurance amount for you and
display the total under the (BUYER) column. If you retrieve a
previously saved file, the Hzd Insurance (14 months) amount will
be entered to the appropriate column.
THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3.
<21>TRANSFER FEE
The cursor is now blinking in the blank after <21> TRANSFER FEE,
under the (SELLER) column. Enter an amount, or press ENTER to step
to the next blank under the (BUYER) column. Enter an amount, or
press ENTER to move to the next entry item.
<22>OTHER ESCROW
The cursor will be blinking after <22>OTHER ESCROW, under the
(SELLER) column. Enter an amount, or press ENTER to step to the
next blank under the (BUYER) column. Enter an amount, or press
ENTER to move to the next entry item. This item is for
miscellaneous escrow items, not covered by, two (2) months taxes
and fourteen (14) month insurance.
THIS ENTRY IS A NEW FEATURE ADDED IN VERSION 1.3.
<23>OTHER
This entry prompts you to enter the "Name" of the cost, in an
entry blank [located to the left of the (SELLER) column]. You can
type in the "Name" of the cost, and press ENTER. The cursor will
move to the blank under the (SELLER) column. Enter an amount, or
press ENTER to step to the next blank [under the (BUYER) column].
Enter an amount, or press ENTER to move to the next entry item.
The "Name" of the cost item will be printed on the Buyer's cost
report and the Seller's net proceeds report.
<24>OTHER
This entry prompts you to enter the "Name" of the cost, in an
entry blank [located to the left of the (SELLER) column]. You can
type in the "Name" of the cost, and press ENTER. The cursor will
move to the blank under the (SELLER) column. Enter an amount, or
press ENTER to step to the next blank [under the (BUYER) column].
Enter an amount, or press ENTER to move to the next entry item.
The "Name" of the cost item will be printed on the Buyer's cost
report and the Seller's net proceeds report.
<25>CREDIT REPORT
The cursor is now blinking in the blank after <25> CREDIT REPORT,
under the (SELLER) column. Enter an amount, or press ENTER to step
to the next blank under the (BUYER) column. Enter an amount (and
press ENTER), or press ENTER to move to the next entry item.
<26>RECORDING FEE
The cursor is now blinking in the blank after <26> RECORDING FEE,
under the (SELLER) column. Enter an amount (and press ENTER), or
press ENTER to step to the next blank under the (BUYER) column.
Enter an amount (and press ENTER), or press ENTER to move to the
next entry item.
<27>PMI/MIP/VA FEE
The cursor is now blinking in the blank after <27> PMI/MIP/VA FEE.
This entry is just like Discount Points entry. If PMI/MIP/VA
FEE is one percent (1%) of the amount financed, then enter "1" (or
whatever percentage applies). Remember, you can enter the
percentage in the (SELLER) or (BUYER) column. When financing
PMI/MIP/VA FEE in the loan, the amounts will not display in these
entry blanks. The calculated amount will-be-added to the base loan
amount. Be careful with this entry, the FHA Acquisition Worksheet
calculates the Mortgage Insurance Premium as 3.8% of the loan
balance. You will need to enter the percentages, for PMI and VA
FEE entries, because these amounts (they are not fixed) can vary.
If you do not enter a percentage in this entry (for conventional
loans with PMI and VA loans) the program cannot calculate the
cost.
<28>APPRAISAL
The cursor is now blinking in the blank after <28> APPRAISAL,
under the (SELLER) column. Enter an amount, or press ENTER to step
to the next blank under the (BUYER) column. Enter an amount, or
press ENTER to move to the next entry item. If you retrieve a
previously saved file, the appraisal amount will be entered to the
appropriate column.
<29>WARRANTY
The cursor is now blinking in the blank after <29> WARRANTY, under
the (SELLER) column. Enter an amount, or press ENTER to step to
the next blank under the (BUYER) column. Enter an amount, or press
ENTER to move to the next entry item.
The program just calculated all your entries. The total Seller's
cost automatically subtracts from the sale price and the program
displays the Seller's Net Proceeds. The total Buyer's cost will
be automatically added to the Down Payment and subtracted from
the Earnest money deposit. The program then displays the Total
Buyer's (cash at closing) cost. The monthly payment amount
(including the principal and interest) will be displayed at the
lower portion of the screen.
This completes all the entries and the cursor is now blinking at
the bottom screen SUB-MENU. You can change any of the entries to
suit your clients needs. As you change the entries the entire
worksheet recalculates for you.
SUB-MENU
</> + - / * CALCULATOR
If you press / you can (add, subtract, multiply or divide) any two
numbers. At the lower left of the screen a blank will appear,
enter the first number you want to calculate, then press ENTER.
Another blank will appear next to the last entry. Press either (+
to add, - to subtract, * to multiply, / to divide), you don't have
to press enter. The cursor will move to a blank to the right of
this entry, now enter the second number you want to calculate.
Press ENTER, your answer will be displayed on the right side of
The screen.
<#> CHANGE
To change an entry, press the number of the entry item (EXAMPLE:
press "11", to change ATTORNEY FEE, or press "5" to change SALE
PRICE). Each time you change an entry the worksheet recalculates
completely.
<P> PRINT
Press "P" and you will be presented with a menu choice for either
<B> Buyer or <S> Seller printout. If you want to print a Buyer's
cost report press B. If you want to print a Seller's net proceeds
report press N. Buyer and Seller's reports are separate printouts.
THIS IS A NEW FEATURE ADDED IN VERSION 1.3.
<F> FILE
Press F and you will be prompted at the bottom of the screen for
another entry. Press S, to SAVE a file or press O to OPEN a file.
Type in the filename without any file extensions.
<C>CONTRACT
Press "C" and you will be prompted whether you want to fill out a
Residential or Commercial Contract. Make your choice and the you
will be prompted if you want to fill-in a new Contract (Y/N). If
you press N, the cursor will move to the sub-menu at the bottom of
the Contract Worksheet screen. If you press Y the cursor will step
through each entry until the worksheet is complete. See HOW TO USE
Contract Worksheet.
<X> PAYMENT (VIEW or PRINT Amortization Schedule)
If you press "X" you can view or print an amortization schedule.
You will be prompted to enter (either) a "P" (to print) or "V" (to
view). If you press "P" a complete amortization schedule will be
printed on your printer. If you press "V" the amortization
information will be displayed at the lower portion of the screen.
You will need to press ENTER to step through (and VIEW) each
monthly payment, for the complete term of the loan. When the last
payment amortization information displays, the program will return
to the worksheet SUB-MENU.
<FHA> FHA WORKSHEET
If you type in "FHA" and press enter, you will be switched to the
FHA ACQUISITION WORKSHEET. All the data and information you have
previously entered will be transferred into the FHA Worksheet. You
can the make any changes to the FHA Worksheet and then switch back
to the SALE/PURCHASE Worksheet by simply pressing "N" from the FHA
WORKSHEET sub-menu.
Q> QUIT
Press "Q" to return to the MAIN MENU.
<2>FHA ACQUISITION WORKSHEET
<2>FHA ACQUISITION WORKSHEET is a sub-program that you can prepare
an FHA Acquisition Worksheet, by simply entering the Sale price,
Closing costs, Interest rate and Number of years financed. The
program uses the JULY 1991 FHA rules and guidelines, in
calculating the results. The program subtracts the closing costs
(the seller is paying) from the Sale/Appraisal price and adds
"57%" of the closing cost to the remainder. It then calculates the
(95% + $500 or 97%) amount for you. Also calculated is the (97.75%
or 98.75%) amount, of the sale/appraisal value. The two amounts
will be compared, and the smaller of the two, will be used as the
Maximum loan amount. The smaller of the two amounts, will be
subtracted from the sale/appraisal price and the down payment
calculated. The program also prompts you to enter the taxes and
insurance costs (required at closing). A two (2) months (mortgage
insurance premium) payment amount will be calculated and
displayed. The calculated down payment will be added to the taxes,
insurance, mortgage insurance premium payment amount and Buyer
portion of the closing cost. The Total Investment will be
displayed, including any other closing costs from the
SALES/PURCHASE WORKSHEET.
The program also calculates the payment amounts for taxes and
insurance based on your tax and insurance entries. The program
also calculates the Mortgage Insurance monthly payment amount. The
formula used for this calculation is one-half-of-one percent (.5%)
of the loan balance divided by twelve (12). Remember that the
program calculates the two (2) month amount but you enter the
actual amount the program uses. If your calculations methods are
different, you can use your amounts. Once you go through the
worksheet, you can change any of the entries and the program will
recalculate the answers for you. If the results are satisfactory,
you can print a completed worksheet and closing cost summary for
your client. You also can save the data in a file for future
revisions (either from the FHA Acquisition Worksheet or
Sales/Purchase Worksheet).
<2>FHA ACQUISITION WORKSHEET
When you choose this option, the FHA ACQUISITION WORKSHEET
will be presented, and you will be prompted for (either) a "Y"
(yes) or "N" (no) entry. If you want to fill out a new worksheet
press "Y" (yes). If you want to retrieve a saved file press "N"
(no), and you will be prompted to enter a filename. Enter the
filename, and the file will be retrieved and all the data will be
entered to the worksheet screen. If you press "Y" (yes) the
program will step through the following entries.
<1>SALE PRICE
The cursor will be blinking in the blank after <1> SALE PRICE.
Enter the Sale price, any number from 1-9999999, then press ENTER.
<2> INTEREST RATE
The cursor will now be blinking in the blank after <2> INTEREST
RATE. Enter the interest rate, in whole numbers from 1-50, then
press ENTER.
<3> YEARS FINANCED
The cursor will now be blinking in the blank after <3> YEARS
FINANCED. Enter the number of years the loan will be financed, in
whole numbers from 0-50, then press ENTER.
<4> TOTAL CLOSING COST
The Allowable Closing Cost Worksheet will be displayed. The cursor
is blinking in the blank next to origination. If the buyer is
paying the origination fee, press "B". If the seller is paying the
origination fee, press "S". One (1%) percent of the sale price
will be calculated and displayed (to the right of your entry).
The cursor will now be blinking next to SURVEY, press "B" for
buyer or press "S" for seller, a blank will appear to the right of
this entry. Type in the amount for the SURVEY cost, and press
ENTER.
The cursor will now be blinking next to APPRAISAL, press "B" for
buyer or press "S" for seller, a blank will appear to the right of
this entry. Type in the amount for the APPRAISAL cost, and press
ENTER.
The cursor will now be blinking next to ATTORNEY FEE, press "B"
for buyer or press "S" for seller, a blank will appear to the
right of this entry. Type in the amount for the ATTORNEY FEE cost,
and press ENTER.
The cursor will now be blinking next to CREDIT REPORT, press "B"
for buyer or press "S" for seller, a blank will appear to the
right of this entry. Type in the amount for the CREDIT REPORT
cost, and press ENTER.
The cursor will now be blinking next to RECORDING FEE, press "B"
for buyer or press "S" for seller, a blank will appear to the
right of this entry. Type in the amount for the RECORDING FEE
cost, and press ENTER.
The cursor is blinking in the blank next to TITLE INSURANCE, if
the buyer is paying the TITLE INSURANCE, press "B". If the seller
is paying the TITLE INSURANCE, press "S". The title insurance
amount will be calculated for you, using the title insurance data
stored in the file "Ptitle.dst". (You can change title insurance
data from the system SET-UP MENU).
THE ALLOWABLE CLOSING COST SCREEN WILL REMAIN DISPLAYED UNTIL YOU
PRESS ENTER. WHEN YOU PRESS ENTER, THE FHA WORKSHEET WILL BE RE
DISPLAYED.
<5> MIP FINANCED (Y/N)
The cursor will now be blinking in the blank after <4> MIP
FINANCED (Y/N). If MIP is not financed, press "N", then press
enter. If MIP is financed press "Y", then press ENTER.
THIS IS A NEW ENTRY ITEM IN VERSION 1.3.
<6> 2 MONTHS TAXES
The cursor moves to a blank after <6>12 MONTHS TAXES. The entry
"Name" changed, from two (2) months taxes, to twelve (12) months
taxes. Enter the amount (in whole numbers from 1-99999) for the
yearly cost of taxes. The program will calculate the two (2)
months cost for you, then press ENTER (this item will show up as
<18> (2) MONTHS TAXES in the Sale/Purchase Worksheet).
<7>14 MONTHS INSURANCE
The cursor will now be blinking in the blank after <6> 12 MONTHS
INSURANCE, the entry "Name" changed, to 12 MONTHS INS, for this
entry. Enter the yearly amount of the Insurance premium (in whole
numbers from 1-99999), then press ENTER. The program will
calculate the 14 MONTHS INSURANCE amount for you (this item will
show up as <20>HZD INS. (14 mo) in the Sales/Purchase Worksheet).
<8>2 MONTHS MIP
A calculated amount (for 2 MONTHS MIP PAYMENTS) will display next
to the two (2) months MIP entry blank. If this amount is correct,
enter the calculated amount, in the blank. If you or your company
uses a different method for calculating this amount, then enter
your calculated amount. This amount is added to the other cost
items and the Total Investment Total, includes this amount. (This
item will show up as a <16>FHA/MIP ESCROW item in the
Sales/Purchase Worksheet)
<9> ESTIMATED TAXES
The estimated monthly taxes (calculated from the 2 MONTHS TAXES
entry) will be displayed under monthly payment.
<10> ESTIMATED INSURANCE, The estimated monthly insurance
(calculated from the 14 MONTHS INS.) entry will be displayed under
monthly payment.
THE PROGRAM JUST FINISHED ALL OF THE CALCULATIONS AND THE MONTHLY
PAYMENT IS DISPLAYED.
Also calculated, is the (Mortgage Insurance) monthly payment
amount (included in the payment). The cursor will now be blinking
in the <11>BUYER entry blank.
<11> BUYER, ADDRESS, AGENT
You can press ENTER to step through the BUYER, ADDRESS and AGENT
blanks, or you can fill them out.
IF YOU FILL THE OUT.
The cursor will be blinking in the blank after Buyer, type in the
Name of your client (30 characters or less), then press ENTER. The
cursor will be blinking in the blank after ADDRESS, type in the
Address of the property (30 characters or less), then press ENTER.
The cursor will be blinking in the blank after AGENT, type in Your
name (30 characters or less), then press ENTER.
THE WORKSHEET IS COMPLETE. THE CURSOR IS NOW AT THE BOTTOM RIGHT
OF THE SCREEN (AT THE SUB-MENU).
<12>ADDITIONAL DOWN PAYMENT
This entry is optional. If a Buyer is paying an additional down
payment, enter "12" from the sub-menu, and fill in the amount, in
the entry blank. This amount will be added to the FHA minimum down
payment, and shows up as total DOWN PAYMENT in the Sales/Purchase
Worksheet.
</> + - / * CALCULATOR
If you press / you can (add, subtract, multiply or divide) any two
numbers. At the lower left of the screen a blank will appear,
enter the first number you want to calculate, then press ENTER.
Another blank will appear next to the last entry. Press either (+
to add, - to subtract, * to multiply, / to divide), you don't have
to press enter. The cursor will move to a blank to the right of
this entry, now enter the second number you want to calculate.
Press ENTER, your answer will be displayed on the right side of
The screen.
<#> CHANGE
To change an entry, press the number of the entry item (EXAMPLE:
press "1", to change SALE PRICE, or press "12", to change
ADDITIONAL DOWN PAYMENT). Each time you change an entry the
worksheet recalculates completely.
<P>PRINT
If you press "P" a Menu will appear, above the sub-menu. Type in
"W", if you want to print the worksheet information, or type in
"A" if you want to print the FHA allowable closing cost
information. Remember, to turn your printer on before you press
<P>. Your printouts will look better if you set your printer to
Letter Quality mode.
<F> FILE
Press "F" and you will be prompted at the bottom of the screen for
another entry. Press "S" to SAVE a file or press "O" to OPEN a
file. Type in the filename without any file extensions.
<N>Netsheet
If you press "N" you will be switched to the Sales/Purchase
Worksheet. All the information from the FHA Worksheet will be
transposed into the Sales/Purchase Worksheet. You can type in
"FHA" from the Sales/Purchase Worksheet and return to the FHA
Worksheet.
<X> PAYMENT (VIEW or PRINT Amortization Schedule)
If you press "X" you can view or print an amortization schedule.
You will be prompted to enter (either) a "P" (to print) or "V" (to
view). If you press "P" a complete amortization schedule will be
printed on your printer. If you press "V" the amortization
information will be displayed at the lower portion of the screen.
You will need to press ENTER to step through (and VIEW) each
monthly payment, for the complete term of the loan. When the last
payment amortization information displays, the program will return
to the worksheet SUB-MENU.
<Q>QUIT
If you press "Q", the program will return to the MAIN MENU
CONTRACT WORKSHEET
The Contract Worksheet allows you to enter all of the items, not
included in the SALES/PURCHASE WORKSHEET. EASY AGENT will fill
the blanks of the Contract Form, with all previously entered data.
HOW TO USE <C> CONTRACT
Press "C" and you will be prompted whether you want to fill out a
Residential or Commercial Contract. Make your choice ("R" or "C"),
and the you will be prompted if you want to prepare a new Contract
(Y/N). If you press "N", the cursor will move to the sub-menu at
the bottom of the Contract screen (you can make changes from the
SUB-MENU). If you press "Y" the cursor will step through each
of the following entries, until the worksheet is complete.
RESIDENTIAL CONTRACT
If you press "Y" for a new Contract, the cursor will be blinking
in the blank after 1>LOT. Enter the Lot Number of the property,
then press ENTER. (This entry will accept numbers or letters)
COMMERCIAL CONTRACT
If you press "Y" for a new Contract, the cursor will be blinking
in the blank after 1>Property. Enter the property description in
the blank and press ENTER.
RESIDENTIAL CONTRACT
The cursor will be blinking in the blank after 2>BLOCK, enter the
block number of the property, then press ENTER. (This entry
will accept numbers or letters)
COMMERCIAL CONTRACT
The cursor will be blinking in the blank after 2>Known as. Type in
the description for this entry, then press ENTER.
RESIDENTIAL CONTRACT
The cursor will be blinking in the blank after 3>SUBDIVISION.
Enter the subdivision name for the property, then press ENTER.
COMMERCIAL CONTRACT
The cursor will be blinking in the blank after 3>Consisting of.
Enter the description for this entry and then press ENTER.
RESIDENTIAL CONTRACT
The cursor will be blinking in the blank after 4>PART. Enter the
number for the subdivision part (from property description), then
press ENTER. COMMERCIAL CONTRACT does not have a number 4> ENTRY.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS
The cursor will be blinking in the blank after 5>COUNTY. Enter the
name of the county or parish, then press ENTER.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS
The cursor will now be blinking to the left of 7>FIRM. This entry
and the next entry (APROX) pertain to the loan assumption entry.
If this Contract is for a loan assumption use these entries. If
this is not a loan assumption, do not fill in these entries. If
the 8>ASSUME amount is correct, type X. If this entry doesn't
apply to this Contract, press ENTER. When you print the Contract,
the program will print the appropriate "X" in (either) the FIRM or
APROX blank.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS
The cursor is now blinking in the blank after 8>ASSUME. Enter the
loan amount the purchaser will be assuming, then press ENTER.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS
The cursor is now blinking in the blank after 9>DESCRIPTION. Enter
the property description (58 characters max) as required, then
press ENTER.
THIS ENTRY DOES NOT APPEAR IN THE COMMERCIAL CONTRACT.
The cursor is now blinking in the blank after 10>DESCRIPTION.
Enter the property description (58 characters max) as required,
then press ENTER.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS
The cursor is now blinking in the blank after 11>LEASE FEE. Enter
"B" if the buyer is paying, or enter "S" if the seller is paying,
then press ENTER. If neither is paying this fee, press ENTER, the
entry will display "N/A".
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS
The cursor is now blinking in the blank after 12>OTHER. Enter "B"
if the buyer is paying, or enter "S" if the seller is paying, then
press ENTER. If neither is paying this fee, press ENTER, the entry
will display "N/A".
The program skipped over the following items, ORIGINATE FEE,
PREPAID, SURVEY, APPRAISAL, ATTORNEY, TRANSFER, LOAN TITLE
INSURANCE, OWNER TITLE INSURANCE and PMI/MIP. To the right of each
of these items the program marked the appropriate designation,
either B, S or N/A, according to the values in the Sales/Purchase
Worksheet. The program transferred the information from the
Sales/Purchase Worksheet for you. When the program prints the
Contract, the designation on the screen will be printed on the
Contract Form.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS.
The cursor will be blinking in the blank after 13>CLOSING DATE.
Type in any necessary comments (40 characters max), then press
ENTER.
The program entered the BROKER'S COMMISSION, into the worksheet
for you.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS.
The cursor will now be blinking in the blank after 14>%LISTING
COMMISSION. Enter the percent commission the listing agent is to
receive, then press ENTER.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS.
The cursor will now be blinking in the blank after 15>%SELLER
COMMISSION. Enter the percent commission the selling agent is to
receive, then press ENTER.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS.
The cursor is now blinking in the blank after 16>INSURANCE
PROVISIONS, type in any necessary comments, then press ENTER.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS
The cursor is now blinking in the blank after 17>SPECIAL
PROVISIONS. This item consists of five (5) entries. Each
entry coincides, with the items that appear on the Contract
addendum. As you make a number (#) entry or press ENTER, the
cursor will move across the screen to each five entry blanks.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS
The cursor will now be blinking in the blank after 18>PAGES. This
item consists of one (1) entry. Type in the number of pages that
will be attached to the Contract, then press ENTER.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS
The cursor is now blinking in the first blank after 19>PERSONAL
PROPERTY REMAINING. Simply fill in the blank (40 characters max),
then press ENTER.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS
The cursor is now blinking in the second blank 20>, for personal
property remaining. Simply fill the blank (65 characters max),
then press ENTER.
THIS ENTRY IS THE SAME FOR BOTH TYPES OF CONTRACTS
The cursor is now blinking in the third blank 21>, for personal
property remaining. Simply fill the blank (65 characters max),
then press ENTER.
All three entries will be printed on the Contract Form, just as
you typed them.
COMMERCIAL CONTRACT
22>ADDITIONAL EARNEST MONEY
This entry is for an additional amount of earnest money, to be
included in the Contract, and it requires two entries. One for the
additional amount, and the other for the number of days, before
the additional amount will be in effect.
This completes the Contract Worksheet and the cursor is now at the
bottom of the screen, at the SUB-MENU. From the SUB-MENU you can
change any of the entries or print a Contract.
<#>CHANGE
If you press the respective number, beside any of the items in the
worksheet, you can change any previous entries. The following
items (ADDRESS, DOWN, ORIGINATE FEE, APPRAISAL, SURVEY, ATTORNEY,
TRANSFER FEE, LOAN TITLE INSURANCE, OWNER TITLE INSURANCE,
PMI/MIP, BROKERS COMMISSION, LOAN AMOUNT, NET LOAN, MIP/VA FEE
AMOUNT, PREPAID AND DEPOSIT) are transferred, from the
SALES/PURCHASE WORKSHEET. If they are not correct, return to the
SALES/PURCHASE WORKSHEET and change them, then return to the
Contract Worksheet and complete your entries.
<P>PRINT
press "P" and the program will print a complete Contract for you.
Be sure you turned your printer on, and you may need to check Form
alignment, to get the program to print in the proper blanks.
Built in the program, is a "check Form alignment" feature. When
you press "P", you will be prompted (at the lower part of the
screen), for either a "Y" or "N" entry, to check Form alignment.
If you press "Y" the program prints three (3) periods (.) across
the top of the Contract Form. The first period should be directly
under "1.", the second period should be at the beginning, of the
"LOT" blank, and the third period should be at the beginning of,
the "BLOCK" blank. After checking alignment and adjusting the
Form, either press "Y" to check alignment again, or press "N" and
print the Contract. When printing is complete you will be returned
to the SUB-MENU.
<Q>QUIT
Press Q and you will return to the SALE/PURCHASE WORKSHEET.
REMEMBER TO SAVE THE SALES/PURCHASE AFTER YOU <Q>QUIT THE CONTRACT
WORKSHEET SCREEN. WHEN YOU SAVE YOUR SALES/PURCHASE WORKSHEET, ALL
THE INFORMATION ENTERED IN THE CONTRACT WILL BE SAVED IN THE SAME
FILE.
The Contract Forms (CONTRACT FOR SALE OF REAL ESTATE, Form 7 and
COMMERCIAL PROPERTY CONTRACT, Form 21), (included in the EASY
AGENT package) are copyrighted by K. F. Boackle, atty., Jackson,
MS.
SYSTEM SET UP
When you choose this option from the Main Menu the System Set Up
screen displays. From this screen you can change the Title
Insurance Data, view the data stored in previously saved files,
and change the hardware configuration (monitor and printer).
HOW TO CHANGE TITLE INSURANCE DATA
When you press the number "1" the Title Insurance data entry
screen, is displayed. The Easy Agent program calculates the
title insurance amounts for you, using this data. The screen will
display the previously entered data, and then it will prompt you
to enter the new Title Insurance rates. The calculations made by
Easy Agent, are based on the loan amount. The rates are for four
(4) categories (0 to 100000, 100000 to 500000, 500000 to 1000000,
1000000 to 10000000). The program uses rates and decides, which
rate applies, and the amount the rate applies too. This data
file, is named "ptitle.dst". The program uses the stored data for
its calculations. The Sales/Purchase Worksheet simply prompts you
for a "Y" (yes) or "N" (no) entry. If you enter "Y" the program
will calculate the title insurance costs. Since Title Insurance
rates are normally different, for the Owner and Buyer, the program
uses this information in the Contract Worksheet also.
HOW VIEW SALES/PURCHASE WORKSHEET FILES
Press "2", and a list of files on your disk will be displayed,
across the top of the screen (note: these filenames show the
file extension after the name). At the screen prompt (at the
bottom of the screen), you can enter the name of the file, you
want to view. Type in the filename (name only, do not enter the
extension), and press ENTER. The program will display the
worksheet for this file. This feature, is added as a convenience
only, sometimes you may want to preview the stored data, to insure
you retrieve the correct file.
HOW TO VIEW FHA ACQUISITION WORKSHEET FILES
Press "3", and a list of files on your disk will be displayed,
across the top of the screen (note: these filenames show the
file extension after the name). At the screen prompt (at the
bottom of the screen), you can enter the name of the file, you
want to view. Type in the filename (name only, do not enter the
extension), and press ENTER. The program will display the
worksheet for this file. This feature, is added as a convenience
only, sometimes you may want to preview the stored data, to insure
you retrieve the correct file.
HOW TO SET DISPLAY COLOR OPTIONS
When you press "4", you will be prompted (below the SET UP MENU),
for (either) a "1" or "0", for the type (MONOCHROME OR COLOR)
monitor you have connected to your system. When you enter your
choice, the prompt will clear and you can (either) press "Q", or
change any other option from the SET UP MENU.
HOW TO SET PRINTER OPTIONS
When you press "5", you will be prompted (below the SET UP MENU),
for (either) a "1" (for IBM proprinter emulation) or "0" (for LQ-
2500 emulation). NOTE: review you printer manual, to decide the
type emulation for your printer. Most dot matrix printers on the
market today are capable (of one or the other), of the above
types of emulation. When you enter your choice, the prompt will
clear and you can (either) press "Q", or change any other option
from the SET UP MENU.
EASY AGENT SUPPORT
Press "6", and you will be presented with details about
Software support. The program displays Information about
registration and license, how to contact the author, and how to
contact the ASP.
"Q" Quit, when you press "Q" you will return to the Main Menu.
EASY AGENT 1.3
REAL ESTATE PROGRAM FOR THE BUSY AGENT
Author: Thomas W. Boyd d/b/a PRACTICAL PROGRAMS
Member: Association of Shareware Professionals
(c) Copyright 1990, 1991, Thomas W. Boyd
Address: 97 Greenbrook, Brandon, MS. 39042
(601) 825-4926
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.
With registration of EASY AGENT, you get one (1) Original program
diskette (on 3 1/2 or 5 1/4 disk, whichever specified at time
of order), a program manual, notification of upgrades, and (90)
days free software support. The only limitation on the software
support is a one (1) hour limit on phone support.
The Program disk contains the following files.
Agent.exe.....Easy Agent program file
Agent.ini.....program initialization file
Agent.dat.....program data file
Install.bat...hard disk installation file
Finstall.bat..floppy disk installation file
Agent.net.....sample Sales/Purchase and FHA file
Ptitle.dst....title insurance data file
Lagent.exe....setup initialization file
Readme.doc....how to start and install program
Update.doc....outlines changes made to version 1.3
Manual.doc....Complete users manual in ASCII format
Vendor.doc....Program Description, Packing list, BBBs File Name(s)
Vendor File Name(s), Keywords, Category, Program
Name Title, Short description, Long description,
Distribution info and Author information.
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 and sundry or to a
specific group. PRACTICAL PROGRAMS requires written permission
before a commercial disk vendor may copy this Shareware.
DISCLAIMER -AGREEMENT
Users of EASY AGENT must accept this disclaimer of warranty:
EASY AGENT 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
con-sequential, which may result from the use of EASY AGENT.
SHAREWARE
EASY AGENT 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, and yet to provide incentive for programmers to
continue to develop new products. If you find this program
useful and find that you are using EASY AGENT and continue to
use EASY AGENT after a reasonable trial period (60 days), you
must make a registration payment of $40.00 to Thomas W. Boyd,
d/b/a PRACTICAL PROGRAMS, 97 Greenbrook, Brandon, MS. 39042.
The Real Estate business continually changes and It is my goal
to change with the business. As things change there will be
improvements and additions to the program. Registration will
insure you that you have the latest and most up-to-date program
for Real Estate transactions.
ASSOCIATION OF SHAREWARE PROFESSIONALS
Ombudsman policy
"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 49442-
9427 or send a Compuserve message via Compuserve Mail to
ASP Ombudsman 70007,3536."
"The OMB may be contacted by FAX by sending to the ASP FAX
number: (616) 788-2765. In communication with the OMB please
include a telephone number or FAX if available."
REGISTRATION FEE
The $40.00 registration fee will license one copy for use on
one (1) desk-top computer and one (1) Laptop at any one (1) time.
You must treat this software just like a book. An example: this
software may be used by any number of people and may be freely
moved from one computer location to another, while there is no
possibility of it being used at one location while it's being
used at another. Just as a book cannot be read by two different
persons simultaneously.
Commercial users of EASY AGENT must register and pay for their
copies of EASY AGENT within 30 days of first use or their
license is withdrawn. Site-License arrangements may be made by
contacting PRACTICAL PROGRAMS, 97 Greenbrook, Brandon MS. 39042.
AUTHORIZATION FOR DISTRIBUTION
Anyone distributing EASY AGENT for any kind of remuneration
must first contact PRACTICAL PROGRAMS, 97 Greenbrook, Brandon MS.
39042. This authorization will be automatically granted to
distributors recognized by the (ASP) as following its
guidelines for shareware distributors, and such distributors
may begin offering EASY AGENT immediately (However PRACTICAL
PROGRAMS must still be advised so that the distributor can be
kept up-to-date with the latest version of EASY AGENT).
You are Encouraged to pass a copy of EASY AGENT along to
your friends for evaluation. Please encourage them to register
their copy if they find that they can use it. All registered
users will receive a copy of the latest version of the EASY
AGENT program and will receive notification of any future
upgrades.