
                                Introduction to
 
                       FINANCIAL AUTHORITY, Version 1.2b

                        Shareware, freely distributable
                     Contact (e-mail): cbutton@halcyon.com
 
                (C) Copyright 1994-96 by Conrad Button's Software
 
 
                               TABLE OF CONTENTS
 
           SUBJECT                                       PAGE NUMBER
           ---------------------------------------------------------
            Installation .......................................  2
            Overview ...........................................  3
            Limited Warranty ...................................  9
            Copyright & Registration ........................... 10
 

 
                                                                Page 2
    INSTALLATION
 
    WARNING: You must have a copy of VBRUN300.DLL in your WINDOWS\SYSTEM
    directory before proceeding with this installation! If you do not have
    this file, download it from HTTP://WWW.HALCYON.COM/CBUTTON/WELCOME.
 
    Your diskette contains a SETUP program which will automatically
    install all of the files and libraries on your hard drive.
    To install FINANCIAL AUTHORITY:
    1. From the Windows Program Manager select FILE, then select RUN.
    2. Type and Enter A:SETUP (or B:SETUP).
 
    SETUP will then run. It will expand all of the compressed files
    on the diskette and place them in their correct directories. A
    new FINANCIAL AUTHORITY Program Group and its icon will be added
    to Program Manager.
 
    If the following error message should occur during SETUP: "Cannot copy
    file XXXX.XXX" where XXXX.XXX is any file name such as DDEML.DLL,
    VER.DLL, MMSYSTEM.DLL, etc. then, CLOSE ALL PROGRAMS THAT ARE CURRENTLY
    RUNNING BEFORE YOU RUN SETUP (only Program Manager should be running)!
    Then run SETUP. Should this fail to solve the problem, delete the
    current version of "XXXX.XX" and then run SETUP again.

    OVERVIEW                                                    Page 3
 
    FINANCIAL AUTHORITY is a financial analysis program which contains
    seven investment modules:
 
    1.  Loan Amortization - The options for a fixed rate loan include:
    required monthly payment, amount which can be borrowed, highest
    affordable interest rate, true interest when points are charged,
    years required to repay loan, balloon payments, accelerated
    payments (both interim or for the duration of the loan). A
    schedule (monthly or annual) for cumulative interest paid,
    principal paid, and remaining balance can be printed to the screen
    and to a printer. A graph of Remaining Loan Balance versus Years
    can also be displayed and printed.
 
    2. Annuity - The options for an immediate annuity (withdrawals
    start immediately and continue until the annuity is depleted)
    include: income, required amount, life of the annuity, rate of
    interest earned. An annualized schedule of interest earned and
    remaining balance can be printed to the screen and to a printer.
    A graph of Amount Remaining in the Annuity versus Years can also
    be displayed and printed.
 
    OVERVIEW (continued)                                        Page 4
 
    3. Fixed and Periodic Investments
 
    Fixed Investment Growth - Options for a lump sum investment
    include: value of investment at maturity, required initial
    investment, years required to reach goal, or interest rate
    required (the interest can be compounded daily, monthly,
    quarterly, semiannually or annually). Comparisons of tax free,
    taxed deferred, and fully taxed investments can also be performed.
 
    Periodic Investment Growth - Investments can be made weekly,
    biweekly, monthly, quarterly, semiannually, or annually. Options
    include: value of all investments at maturity, required periodic
    investments, years required to reach goal, required interest rate;
    interest can be compounded daily, monthly, quarterly,
    semiannually, or annually.
 
    Diversified portfolios in which fixed or periodic investments are
    made can be evaluated. Annualized schedules of interest earned and
    current values can be printed to the screen and to a printer.
    Graphs of total investment value versus years can also be
    displayed and printed.

    OVERVIEW (continued)                                        Page 5
 
    4. U.S. EE Bonds - The options for EE savings bonds include:
    create or edit a file of currently owned EE Bonds (serial numbers,
    denomination, and purchase date); evaluate your savings bond
    portfolio (current or future value) based on U.S. Treasury
    guaranteed minimum interest rates; print (to screen and printer)
    your portfolio of bonds, including minimum value of each bond and
    a total minimum value for the entire portfolio. The minimum total
    value of your portfolio may be projected over any future time
    period (e.g., the values between 1995 and 2005). This projection
    may be displayed as a data table or as a graph, on your screen and
    on your printer.
 
    5. Mutual Fund Analysis - Evaluates the performance of a mutual
    fund over a user-specified time period.  Three measures of
    performance are produced:
 
      a. Growth of Annual $1000 Investments
      b. Growth of an Initial $10,000 Investment
      c. Average Annual Compounded Return
 
 
                                                                Page 6
 
    Data, readily obtainable from the mutual fund's prospectus, is
    entered by the user and then analyzed to generate the performance
    measures for each year of the desired time period.  Output may be
    directed to the screen and to a printer. A graph of each of the
    three performance measures versus years can also be displayed and
    printed.
 
    6. Retirement Planning - Inflation during your retirement years
    must be considered in your retirement planning.  This program
    allows you to test various rates of inflation to determine the
    lump sum investment that you will need at retirement, the amount
    that you can withdraw each year from an anticipated pool of money,
    and the number of years until your investments are depleted. A
    schedule, showing your required income, annual withdrawals,
    remaining balance, and interest earned, may be printed to the
    screen and on a printer.  A graph of the remaining balance versus
    years can also be displayed and printed.
    
                                                                Page 7
 
    7. Assets Database - A database of your current assets (e.g.,
    stocks, bonds, CD's, etc.), number of shares, and share prices can
    be created and saved for future reference. Total values for each
    asset, portfolio percentages, and total value of the entire
    database can be calculated, printed, and displayed graphically as
    either pie or bar charts.
 
                            ** ADDITIONAL TOOLS **
 
    1. GRAPHICAL PLOTS may be displayed for any schedule. Pie and bar
    graphs for your portfolios or current assets can also be
    displayed. All graphs may be printed or copied to the Windows
    Clipboard.
 
    2. A pop-up MATH CALCULATOR allows you to perform simple
    arithmetic calculations (+, -, x, /, %).
 
    3. A pop-up DATE INTERVAL CALCULATOR allows you to determine the
    number of days, the number of weeks, the number of months, and the
    number of years between any two selected dates.
 

                                                                Page 8
 
    4. A PERPETUAL CALENDAR may be displayed and optionally printed.
 
    5. A COPY TO CLIPBOARD option is available on all schedules
    printed to your screen. Highlight all or a portion of the
    displayed schedule, select "Copy" from the FILE Menu, and the
    selected text can then later be pasted into any other Windows
    application (e.g., Word for Windows, WordPerfect for Windows,
    Windows Write, Charisma, etc.). Any graphical plot may also be
    copied to the Clipboard.
 
    6. EXAMPLE CALCULATIONS are just a mouse click away; they may be
    viewed by simply clicking on the word "Example".

 
 
                      ******* LIMITED WARRANTY *******          Page 9
 
     If a damaged disk has been received from Conrad Button's
     Software, the Purchaser may obtain a replacement disk providing
     the damaged disk is returned to Conrad Button's Software within
     thirty days of the invoice date.
 
     EXCEPT AS PROVIDED ABOVE, CONRAD BUTTON'S SOFTWARE DISCLAIMS ALL
     WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED
     TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
     PARTICULAR PURPOSE, AND ACCURACY OF CALCULATED OUTPUTS, WITH
     RESPECT TO THE PRODUCT.  SHOULD THE PROGRAM PROVE DEFECTIVE, THE
     PURCHASER ASSUMES THE RISK OF PAYING THE ENTIRE COST OF ALL
     NECESSARY SERVICING, REPAIR, OR CORRECTION AND ANY INCIDENTAL OR
     CONSEQUENTIAL DAMAGES. IN NO EVENT WILL CONRAD BUTTON'S SOFTWARE
     BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT
     LIMITATION DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS
     INTERRUPTION, LOSS OF BUSINESS INFORMATION AND THE LIKE) ARISING
     OUT OF THE USE OR THE INABILITY TO USE THIS PRODUCT EVEN IF
     CONRAD BUTTON'S SOFTWARE HAS BEEN ADVISED OF THE POSSIBILITY OF
     SUCH DAMAGES.
 
     Use of this product for any period of time constitutes your
     acceptance of this agreement and subjects you to its contents.

                                                               Page 10
 
    COPYRIGHT and REGISTRATION
 
    FINANCIAL AUTHORITY is (C) Copyright 1994-96 by Conrad Button's
    Software. If you are not a registered user, a registration fee of
    $25.00 (U.S. funds) should be sent to:
 
                          Conrad Button's Software
                            20230 Lake Riley Rd.
                            Arlington, WA 98223
 
    You will be receive a personalized copy of the latest registered
    version.
 
             PLEASE USE THE REGISTRATION FORM ON THE NEXT PAGE.
 
 
    ** Site Licenses are available, please contact us for details. **

     ------------------------------------------------------------------

     Conrad Button's Software, 20230 Lake Riley Rd, Arlington, Wa 98223
 
            Please register me as a user of FINANCIAL AUTHORITY.
                   Send me the latest REGISTERED version.
                 I enclose payment of $25.00 (U.S. Funds).
 
     NO Credit Cards are accepted. Foreign orders add $1.00 for postage.
 
         (This program requires a 3.5" HIGH DENSITY diskette drive.)
 
        Name     ___________________________________________________
 
        Address  ___________________________________________________
 
                 ___________________________________________________
 
                 ___________________________________________________
 
 
        I received the ShareWare version of FINANCIAL AUTHORITY from:
         CONRAD BUTTON'S SOFTWARE (http://halcyon.com/cbutton/welcome)
 
                    Press <PrntScrn> to print this form.
