              Loan Master (tm) v1.0 (Trial) for Windows(r) 95/98

              Copyright(c) 1998, MasterSoft(tm) and James Y. Gu 
                            All Rights Reserved

****************************************************************************
This is a 30-day trial version of Loan Master. You may freely distribute the 
program, provided all files in this distribution are included and not 
modified.
****************************************************************************

Description

  Loan Master is a general accounting program with a specific focus on 
  loan assessment and management. Unlike many traditional accounting 
  programs, Loan Master is designed with a very flexible structure and very 
  little restrictions so that forecasts and simulations can be done easily 
  in addition to normal bookkeeping tasks.

  It is capable to:
    <> Manage general bank accounts  <> Manage loan accounts
    <> Analyse cashflow              <> Determine the best way to cut debts
    <> Make budgets                  <> Estimate return of investment on
    <> Assess loan arrangements         property etc.
    <> Do many more tasks

  Analysing what has happened is one of the most important process in finance
  management, though, to prevent making unnecessary payments is much more
  important. Loan Master is an integrated tool set to help you to make best
  decisions on your finance through simulation of possible future 
  transactions and analysis of past transactions. 

  If you are still paying loans, and the loans have never been audited by an
  independent specialist or checked with a program like Loan Master, it is 
  very likely you are paying excessive interests. 20% to 50%, or even more 
  of interest could be avoided in many cases. Don't ever expect your bank 
  manager to point it out the best strategy to save interest. After all, 
  they are in the business to make profit from the interest.

  The rich features of Loan Master have made so many puzzles around loans 
  become a past. Answers to questions, such as what will happen if I shift
  payment dates few days earlier, would I be better off to refinance even 
  after a heavy penalty, will a high interest rate revolving credit loan 
  save interest for me, and should I consider a split loan and what is the 
  best way to split, can be obtained easily. With Loan Master, you don't 
  have to be an accountant or a mathematician to save your hard-earn money 
  on loan interest.

  Loan Master is capable to do many loan related tasks beyond what many
  traditional accounting programs can do. To Loan Master the focal centre 
  is finding what you can do in the future to save interest, rather than 
  just recording what has happened.

Requirement
  
  Loan Master is available in two versions. One is 32-bit and optimised for
  Windows(r) 95/98. Another one is 16-bit and optimised for Windows(r) 3.x other 
  than Windows 3.0.
  __________________________________________________________________________
  Microprocessor              486 or higher. Pentium is recommended.

  Memory                      8 MB is required. More is recommended when 
                              using multiple functions at a time or 
                              having a large number of records.
            
  Motherboard                 Must be year 2000 compliant in order to 
                              produce correct results related to dates.

  Hard Disk Space             3 MB approximately. More if having a large 
                              number of records.

  Floppy Disk Drive           3.5-inch high-density drive.

  Video Adapter               256-color VGA or better video adapter is 
                              recommended. Colour distortion will occur to 
                              some graphics if using a 16-colour video 
                              adapter or setting, although functions will be
                              as normal.

  Pointing Device             A pointing device compatible with your 
                              operating system.
  __________________________________________________________________________

Installation

  If you had installed any previous version of Loan Master including trial
  version before, you may need to uninstall it first or install it in a 
  new separate directory.

  1. It is recommended to disable your virus-detection utility, which may
     conflict with the setup program, during the installation.
  2. Start Windows if you have not done so.
  3. If the program comes in a zip file, unzip files to a temporary directory. 
  4. Close all open applications except for the main Windows managing program.
  5. Click the Start button at bottom left of the screen and then Run in the
     menu.
  6. In the command line box, type "drive:\directory" that contains the 
     program file, followed by the word "setup". For example, c:\temp\setup.
  7. While the installation is in progress, you will be prompted for some
     information and options, such as main program installation directory.
  8. Once the installation has finished, you can run Loan Master by clicking
     the icon in the Loan Master Folder or Explore (Win 95).

  Note: 1. Do not install the program in an old directory. 
        2. To uninstall the program, go to Start -> Settings -> Control Panel -> 
           Add/Remove Programs, then select Loan Master and press the Add/Remove
           button.

About This Trial Version

  Some functions are limited in this trial version of Loan Master. However, 
  with the sample data files provided, you can try out almost all functions 
  quickly.

  Limitations:
  1. Number of transactions is limited to 100 for each of the bank accounts.
  2. Saving functions to some data files are disabled.
  3. The range of loan interest rates is limited.
  4. Some of the advanced debt cut wizards are disabled.

Benefits of Registration

  Being a registered user of Loan Master, you will have privilege to:
    
  <> Utilise some of the most sophisticated loan handling techniques , which are
     used to be available to lending institutions only, right from your own PCs. 
  <> Take control of your personal finance and say goodbye to the days when it 
     was largely controlled by your lenders. 
  <> Get personalised support directly from the publisher via email. First 
     30-day email is free. Other support options are available.
  <> Access the Knowledge Base that is for registered users only. The Knowledge 
     Base contains practical examples, frequently asked questions and answers,
     tips and discussions of both technical and non-technical issues. Also the 
     Knowledge Base is the place to post your questions that may be selectively 
     answered by the publisher or other users. By contributing your thoughts
     and ideas, you could also help other members in the society. 

License

  The license agreement for this trial version of Loan Master can be found in
  file 'license.txt'.

  Order/Registration of licenses for Loan Master can be done through our web
  site at http://classified.co.nz.

  Alternatively, you may mail or fax a completed order form to us. The order 
  form can be found in file 'order.txt'. Money orders and cheques(checks) that
  can be drawn in a New Zealand bank are also accepted, although it may take
  longer to be processed.

  Substantial discounts are available for site licenses to organisations with
  more than 5 users who may need Loan Master. Please contact us for pricing, 
  which is depending on number of users.

Contact Us

  Loan Master is distributed world-wide by 3A Trading & Marketing Limited.   
  Payment and contact should be made to:

      3A Trading & Marketing Limited
      PO Box 91-672
      Auckland
      New Zealand

      Web Site: http://classified.co.nz
      Email:    loanmaster@classified.co.nz
      Fax:      +64 9 5225188

      Banker: ANZ Bank (NZ) (the processor of credit card and other payments)

  Your comments and suggestions are welcome, as they will be important for 
  further development that will definitely benefit our users even greater.
