
    +-------------------------------------------------+
    |  EZ Financial Calculator for Windows 95/NT/CE   |
    |             Program Documentation               |
    +-------------------------------------------------+

                   written by Mike Huang
                      mihuang@tir.com

                 Last updated on Feb. 2, 1998  

Introduction
------------

    Welcome to the EZ Financial Calculator.  This program is 
    designed to be user-friendly.  It provides a quick and 
    accurate way to perform many frequently used financial 
    calculations.  If you need to make financial decisions that 
    require projecting a loan payment, or calculating the future 
    value of a mutual fund or retirement investment, this is one of
    the most easy-to-operate programs you can find.  It does not 
    confound you with excessive entries or selections.  You 
    don't need to read a lengthy manual before getting started.  
    Best of all, the price is right.  Two versions of EZ Financial 
    Calculator are available: The Windows 95/NT version for 
    desktop or notebook users, and Windows CE version for 
    Handheld PC users.

Target Users
------------

    (1) If you are an HPC (running Windows CE) user, you may
        bring the HPC alone to assist you at the bank or car 
        dealer.  Every time you are presented a different 
        financing option, you can do the desired calculations  
        on the spot.

    (2) If you are a financing professional who often needs to 
        present options to your clients, this program can save 
        you time, eliminate typing mistakes and prevent 
        confusion.  Especially when you show the numbers on 
        the screen to your customers, it makes a clear 
        presentation because all the numbers are accompanied 
        by an explanation in plain English.  Compared to the old 
        one-line financial calculator, it makes a positive 
        impression.  Also unlike the traditional calculator, EZ 
        Financial Calculator keeps all the numbers (principal, 
        interest rate, number of months...) that you have entered 
        on the screen, so you don't need to re-enter other 
        numbers if only one of the numbers needs to be 
        changed.

    (3) If you are involved in the process of a mortgage loan, 
        car financing or any type of purchase loan, this program 
        can help you make accurate and timely decisions.  For 
        instance, to figure out how big a payment you'd have on 
        an $80,000 15-year mortgage at 8.7 percent, the answer 
        is only a few mouse clicks (or stylus pen taps for the
        HPC) away.

    (4) You invest $10000, or decide to put $200 in bank every 
        month.  Want to know how much you will have 30 years
        later based on a given interest rate?  The answers are
        just a few clicks away.

    (5) All the calculations described above can be reversed.  
        For example, you can enter a target retirement fund, and 
        use this program to find out how much money you have to
        save each month in order to reach the goal.

No Typing Required
------------------

    The EZ Financial Calculator is equipped with an on-screen 
    calculator and numerical pad designed to eliminate the 
    keyboard uses.  You can still use keyboard if you prefer to.  
    The number appearing on the screen is always close to your 
    mouse click or stylus pen tap.  There is no need to move 
    your eyes down to search for the correct key.  You always 
    see what you click on, and always see the numbers when you 
    click.  This greatly reduces the rate of error.

System Requirements
-------------------

    (1) For Windows 95/NT version, you need a PC running 
        either Windows 95 or Windows NT operation system.  
        EZ Financial Calculator uses very little of the system 
        resources (memory and disk space), so a 486 CPU with 
        8 Mbytes RAM is adequate.

    (2) For Windows CE version, you need a Handheld PC (HPC) 
        running Windows CE operation system 1.0 or 2.0.  You 
        also need to connect your HPC to your desktop computer 
        for software installation.  Both the MIPS version (for machines
        such as the Velo1, Sharp and NEC HPCs) and SH version (for 
        machines such as the Casio HPCs) are included.

Installation
------------

    (1) For Windows 95/NT version, simply copy the files to 
          your desktop PC and launch the program by double-
          clicking on the "ezFCalc" icon.

    (2) To install the Windows CE version, first connect your 
          Handheld PC cable from your desktop PC to your 
          Handheld PC.  Consult your HPC manual for cable 
          connection.
        Launch Handheld PC Explorer and establish the 
          connection between you desktop PC and your Handheld 
          PC.
        Drag the "ezFCalc" icon (from either the MIP or SH
          version folder) onto the "Contents of HPC Desktop" 
          area in the "HPC Explorer" Window.  If a
          "No Converter Selected" dialog box appears, please 
          click "OK No converter is required".
        Launch the program by double-tapping on the "ezFCalc" 
          icon.

About the Unregistered Versions
-------------------------------

    The Unregistered versions include all features except that the 
    interest rate can have only one digit after the 
    decimal point.

Prices
------

    This program is a Shareware.  The prices for the Registered versions
    are as follows:

    (1) Windows 95/NT Version: $5.
    (2) Windows CE Version (including both MIPS and SH versions): $10.
    (3) Shipping and handling: $2 (regardless of the quantity).
        
    No Shipping and handling charge is required if you
    want the program(s) to be sent to you by e-mail. Remember
    to include your e-mail address.


How to Order
------------

    To order the Registered version(s), send a check to

    ---------------------
    Mike Huang
    P.O. Box 190516
    Burton, MI 48519-0516 
    USA.
    ---------------------

    Payments must be in US dollars drawn on an US bank, or
    you can send international postal money orders in US dollars.

    Please include the following information when order:

    Product name and version (Windows NT/95 Version or Windows CE Version)
    Quantity
    Your name
    Company (Optional)
    Address
    City, State, Zip
    Country
    Phone number (Optional)
    E-mail address (So we can notify you when upgrade or free 
    upgrade becomes available)
    How did you hear about this program (Optional)
    Comments (Optional)

Product Support
---------------

    If you experience any problem, please send e-mail to mihuang@tir.com

Terms of Use
------------

    One purchased copy of EZ Financial Calculator may either be 
    used by a single person who uses the software personally on 
    one or more desktop or handheld computers, or installed on a 
    single desktop or handheld computer used nonsimultaneously 
    by multiple people, but not both.

Distribution
------------

    You are free to upload the Unregistered versions to any freeware or
    shareware site,  put it in any commercial or non-commercial
    CD, or give it to your friends providing that

    (1) the 95/NT Unregistered and CE Unregistered versions and all 
        documentation are included together,

    (2) NONE of the Registered versions (the purchased versions) is
        included,

    (3) and a letter or e-mail is sent to tell the author
        (mihuang@tir.com) about the site or CD to distribute the
        Unregistered versions (Please note that this letter or e-mail 
        does NOT entitle you to distribute or sale the Registered versions).  

    To tell whether it is a Registered or Unregistered version, select
    "About" from the EZ Financial Calculator's menu bar.  If the About 
    dialog box doesn't explicitly indicate "Unregistered Copy", then it 
    is a Registered version.  Distributing the Registered version without a 
    contract with or written permission from the author is in violation of
    U.S. and international copyright laws.

Disclaimer
----------

    Considerable amount of effort has been made to ensure the 
    reliability of this product.  
    HOWEVER, THIS SOFTWARE AND THE ACCOMPANYING FILES ARE SOLD "AS IS" 
    AND WITHOUT WARRANTIES AS TO FITNESS OR PERFORMANCE OF MERCHANTABILITY
    OR ANY OTHER WARRANTIES WHETHER EXPRESSED OR IMPLIED.

----------------------------------------------------------------------------------
Windows 95, Windows NT and Windows CE are trademarks of the Microsoft Corporation.
