



 Y O U R   P E R S O N A L   L E G A L   G U I D E
   Version 8.0
   Information And Legal Forms For Home And Small Business Use






 U S E R' S   M A N U A L


   Shareware Published by:
   HomeCraft Software
   P.O. Box 974
   Tualatin, OR  97062

   (503) 692-3732 (voice)
   (503) 692-0382 (fax)
   Compuserve: 71450,254

   MEMBER: Shareware Trade Association & Resources (STAR)
                _______
           ____|__     |               (tm)
        --|       |    |-------------------
          |   ____|__  |  Association of
          |  |       |_|  Shareware
          |__|   o   |    Professionals
        -----|   |   |---------------------
             |___|___|    MEMBER








 This manual and accompanying software Copyright 1992 by
  Kraft, Byron & Clary
 Portions Copyright 1991 Kraft, Byron & Clary
 Portions copyright 1993 by Steven C. Hudgik
 All Rights Reserved
    
    
    
    
    
    
    
    
   WELCOME TO SHAREWARE

   This software is distributed as shareware.  This means you can
   try this software to find out whether it provides what you need,
   before you pay for it.  This software is fully functional, you
   can use it to research legal issues, and create and print the
   legal forms you need.  Please keep in mind, however, that laws
   and legal forms change. To insure you have the latest version
   (and to insure you are informed of all updates), you need to
   register this program (see the order form).

   You may have obtained this software from a shareware disk vendor,
   a bulletin board or a friend--and please feel free to share
   copies of it with your friends or to upload it to your favorite
   bulletin board(s).  If you find you like this software, and you've
   been using it for more than 30 days, or plan to use it in the
   future, you must register as a user.

Registration Information
   The cost to register a single copy of this software is $59.95
   (plus $4.00 S&H).  Even though you may have purchased this disk 
   from a retail store, you have not purchased a registered copy. 
   What you've paid was a fee that compensates the vendor and store
   for their costs, time, and effort in making this disk available.
    
When you register you will receive:
   
   [] Laws and legal forms change, and new laws and forms are 
   introduced. When you register you will receive the latest 
   version of the forms, tutorials, and statutes.

   []  A copy of the latest version of the software, including
   features and improvements made since the shareware was released.

   [] An additional disk of forms, tutorials, and text of statutes. 

   [] A free subscription to our newsletter which includes user
   tips, help with using your computer, information about upgrades,
   new/updated forms, and new/updated legal information.

   [] A complete printed manual. (Due to disk space limitations, this
   shareware manual is a condensed version of the printed manual).

   [] Up to a 50% discount on other HomeCraft Software products
   including specialized database and home productivity software.

 MULTIPLE COMPUTERS AND NETWORKS
   If you wish to use this software on a network or simultaneously
   on more than one computer (eg. on a computer at home and
   another computer at work), you need a site license.  Please 
   contact HomeCraft for more information about site licenses.

 DISTRIBUTION OF THE SHAREWARE VERSION OF THIS SOFTWARE
   (Please see the VENDOR.DOC file).
      
   YOUR PERSONAL LEGAL GUIDE
   U S E R   L I C E N S E   A G R E E M E N T
   NOTICE! - This manual and the enclosed software is provided to
   you on the express condition that you agree to this software
   license.  By using this software you agree to the following
   provisions.

   <1> This manual, the enclosed software and the disks on which it
   is contained are licensed to you, for your own use only.  This is
   copyrighted software.  You are not obtaining title to the
   software or any copyright rights.  You may not sublicense, rent,
   lease, modify, translate, convert to another programming
   language, decompile, or disassemble the files for any purpose.
   <2> You may make as many copies of these files as you need for
   backup purposes and copies may be given away provided no fee is
   charged.  Private individuals may use this software on more than
   one computer, provided there is no chance it will be used
   simultaneously on more than one computer.  This software may not
   be used on more than one computer, nor installed on more than one
   hard disk, nor installed on a network when used by a business,
   corporation, government agency or department, or institution of
   any kind.  If you need to install this software on more than one
   computer or on a network, please contact us for information about
   a site license.

   WARRANTY - HCP SERVICES INC. DISCLAIMS ALL WARRANTIES RELATING TO
   THIS SOFTWARE, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT
   LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS
   FOR A PARTICULAR PURPOSE, AND ALL SUCH WARRANTIES ARE EXPRESSLY
   AND SPECIFICALLY DISCLAIMED.  NEITHER HCP SERVICES, INC. NOR
   ANYONE ELSE WHO HAS BEEN INVOLVED IN THE CREATION, PRODUCTION, OR
   DELIVERY OF THIS SOFTWARE SHALL BE LIABLE FOR ANY INDIRECT,
   CONSEQUENTIAL, OR INCIDENTAL DAMAGES ARISING OUT OF THE USE OR
   INABILITY TO USE SUCH SOFTWARE EVEN IF HCP SERVICES, INC. HAS
   BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIMS.  IN NO
   EVENT SHALL HCP SERVICES, INC.'s LIABILITY FOR ANY DAMAGES EVER
   EXCEED THE PRICE PAID FOR THE LICENSE TO USE THE SOFTWARE,
   REGARDLESS OF THE FORM OF CLAIM.  THE FORMS HEREIN ARE NOT 
   INTENDED TO BE USED UNLESS THE SAME ARE REVIEWED BY AN ADVISOR OR 
   ATTORNEY, AND THE SELLERS AND MANUFACTURERS OF THIS PROGRAM SHALL 
   NOT BE LIABLE FOR DAMAGES RESULTING FROM THE FAILURE OF A FORM TO 
   ACCOMPLISH THE GOALS OF THE USER.  THE PERSON USING THE SOFTWARE
   BEARS ALL RISK AS TO THE QUALITY AND PERFORMANCE OF THE SOFTWARE. 
   Some states do not allow the exclusion of the limit of liability
   for consequential or incidental damages, so the above limitation
   may not apply to you.

   This agreement shall be governed by the laws of the State of
   Oregon and shall inure to the benefit of HCP Services, Inc. and
   any successors, administrators, heirs and assigns.  Any action or
   proceeding brought by either party against the other arising out
   of or related to this agreement shall be brought only in a STATE
   or FEDERAL COURT of competent jurisdiction located in Multnomah
   County, Oregon.  The parties hereby consent to in personam
   jurisdiction of said courts."
   
   Information in this manual is subject to change without notice
   and does not represent a commitment on the part of H.C.P.
   Services, Inc. or HomeCraft Software.  This manual and
   accompanying software is copyrighted and protected under both
   Federal Law and the Berne Convention (international law).


TRADEMARKS

   IBM PC, PS/2, AT, XT, and PC-DOS are trademarks of IBM. 
   MS-DOS and OS/2 are a trademark of Microsoft. 
   DR-DOS is a trademark of Digital Research. 
   UNIX is a trademark of Bell Labs. 
   Your Personal Legal Guide is a trademark of 
      H.C.P. Services, Inc.


ACKNOWLEDGEMENTS

   "Mouse.com" is copyright 1983,1984 by Microsoft, and is 
   used under license. PKLITE is used under license from 
   PKWARE, Inc.  LHARC is Copyright 1990, Yoshi, and is 
   used with permission. 

   It takes many persons to put together a project of this
   magnitude. The staff that prepared this program consists of:

   Herbert Kraft (Herb), Attorney at law admitted to practice 
     in Florida; Developer and author of legal material, 
     comments and documents, and the Chief Developer.
   David Byron, Co-Developer.
   Warren Clary, P.E., Software engineer and co-developer. 
     Warren is the author of the computer program itself (and he
     did a tremendous job!)
   Wyatt Cox; who assists with research and support.
   Amy Seeberger; research and support.

   This software is marketed as shareware by HomeCraft Software.

   This program is marketed 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

   HomeCraft Software
   P.O. Box 974
   Tualatin, OR 97062
   (503) 692-3732 (VOICE)   (503) 692-0382 (FAX)




   TABLE OF CONTENTS
   __________________________________________________________________




  INSTALLATION ......................   01
   System Requirements                  01
   Installation                         01


  GETTING STARTED ...................   03
   Using A Mouse                        03
   The Main Menu                        03
   Annotated Statutes Menu              04

   Note Pad                             05
   Tutorials Menu                       06
   Preparing Legal Documents            07
   Reviewing Documents                  11

   Printing The Manual                  11
   Registration Form                    11


  DOCUMENT/FORM INFORMATION .........   13
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  _______________________________________YOUR PERSONAL LEGAL GUIDE - 1






INSTALLATION
____________________________   

 Thank you for trying this software--Your Personal Legal Guide.
 We think that you'll find it to be very useful and educational.
 There are many circumstances in which we find out, after a
 problem has developed, that we did not have an adequate under-
 standing of the laws that affect us, or we did not properly
 protect ourselves with the necessary documents or forms.  In
 today's society, which very readily turns to the courts, we
 may find that by neglecting a simple legal form we have become
 liable to substantial damages, or worse may lose custodity of our
 children.  While no software can replace having a competent
 attorney represent you, Your Personal Legal Guide can help you
 avoid many legal pitfalls, so you are properly prepared and
 protected.


SYSTEMS REQUIREMENTS______________________________________________

 To use this software you must have an IBM compatible computer
 with DOS version 3.3 or higher and 450k of available memory.  If
 you do not have 450k of available memory, you will not be able to
 use some portions of the GUIDE. 

 A hard disk with at least 2mb of free space is required.

 A printer is recommended so that you can fully use the GUIDE to
 print legal forms.



INSTALLATION______________________________________________________

 Place the floppy disk in your "A" disk drive.  If the disk goes
 in the "B" drive, replace the letter "A' with the letter "B"
 throughout these instructions.  If you have received the software
 on two 360K 5-1/4 inch disks, put disk number 1 in the "A" drive. 
 
 
 
 
 
 
 
 
 
 
 _________________________________YOUR PERSONAL LEGAL GUIDE - 2



  The installation utility will tell you when you need to put the
  second disk into the "A" floppy drive.

  Get the DOS prompt on the screen, then type A: and push ENTER. 
  You should now have a DOS prompt for the "A" floppy drive.  It
  should look like: A>

  To install the software type "INSTALL", a space, the letter for
  the drive containing the floppy disk, a space, and then the
  letter for the drive on which you want to install the software. 
  In most case this will be the "C" drive, and you would type:

   INSTALL A C

  The software requires almost 2mb of disk space, and must be
  installed on a hard disk.  You can not use this software on a
  floppy disk.

  The installation utility will automatically create a directory
  called GUIDE.  If you'd like to have the software in a different
  directory, after it is installed you can copy the files to any
  other directory. Howewer, you must copy all of the files and keep
  them together in the same directory.  The program will not work
  correctly if the files are divided among several directories.
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  _________________________________YOUR PERSONAL LEGAL GUIDE - 3

 




GETTING STARTED
________________________ 



 To start the software, set your computer so you are in
 the GUIDE directory.  To do this, go to the DOS prompt
 for your hard drive, type:

   CD \GUIDE and push ENTER


 Then, to start the software, type GUIDE and push ENTER.


Mouse Users___________________________________________

 This manual describes how to use the GUIDE software
 using the keyboard.  You can also use a mouse with YOUR
 PERSONAL LEGAL GUIDE. The mouse works as follows:

 Clicking the left button sends a carriage return.  It's
 the same as pushing the ENTER key.

 The right mouse button works in the same was as the
 PgDn (page down) key.

 Pushing both buttons at the same time is the same as
 pushing the ESC key.

 Moving the mouse up and down moves the cursor up and
 down.

 NOTE: The GUIDE does not have a separate mouse cursor. 
 The mouse moves the normal cursor, which can also be
 moved using the cursor keys.


THE MAIN MENU_________________________________________

 To select an option from the Main Menu you first need
 to highlight that option.  You can do this by either
 using the cursor keys (up and down arrows) to highlight
 the choice you want, or by pushing the letter
 corresponding to your choice.  Once the option you want
 to use is highlighted, push ENTER.


_________________________________YOUR PERSONAL LEGAL GUIDE - 4




User Tip__________________________________________________________

  At the bottom of each screen you will always see a listing of the
  keys you can use on that screen, with a description of what each
  key does.  This serves as a reminder to help you more easily get
  around in the software.


ANNOTATED STATUTES________________________________________________

  YOUR PERSONAL LEGAL GUIDE contains the full text, with simple
  explanations (referred to as annotations), of many important laws
  and governmental regulations.  This section is very useful for
  finding out exactly what the law says in a specified area, such
  as child custody.  The plain english explainations then help you
  understand what the law means. With an understanding of what the
  law really says, you are in a better position to solve any legal
  problems you face.  Remember, if someone else is causng a problem
  for you, do not believe what they say about the law or government
  regulations--they have no obligation to give you the straight or
  complete story.  Get the facts!

  To choose this option from the main menu, press the letter "B"
  and then push ENTER.  Or you can highlight this option by using
  the cursor keys--the up and down arrow keys. Once it is
  highlighted, push ENTER. 

  When you are reading a statute or regulation, you will see blocks
  of text that are marked with "/*" at the beginning and "*/." at
  the end.  These mark indicate comments used to explain what the
  law is saying.  The information included between these "markers"
  is not a part of the law, statute, or regulation.

  Copyright information: We do not claim copyright on government
  material included as a part of the statutes menu.  However we do
  claim copyright on all the rest of the program and on the
  comments within the statutes. 

  Note: When the Annotated Statutes Menu is displayed, use the
  "page down" key to see all of the statutes.


Browsing Through The Statutes_____________________________________

  When you have selected a statute, and have it displayed on the
  screen, use the page up (PgUp), page down (PgDn), and the up/down




_________________________________YOUR PERSONAL LEGAL GUIDE - 5



  cursor keys to move around.  PgUp and PgDn move you forward and
  backward by a complete screen of information.

  The left and right cursor keys are special. The left arrow key
  moves the display back to the previous comment. The right arrow
  searches for, and displays, the next comment.  If you press the
  left arrow key and the text does not change, this means that you
  are seeing the first comment; if you press the right arrow key
  and the text does not change you are then viewing the last
  comment in the file.


TAKING NOTES____________________________________________________

  If you want to make a note of something while reading a statute
  or tutorial, put the memory resident note pad to work.  Any time
  you are reading a statute you can push "F2" to display the Note
  Pad. It will be displayed in the bottom half of the screen.

  The Note Pad is a nice feature because it lets you jot down a
  note while you are reading information on the screen.  You won't
  lose your place or have to go get a pad and paper.  You can make
  a note about something you've just read, and then print all of
  your notes after you've finished reading the statute or tutorial.

  The first time you push "F2" to displsy the Note Pad, it will
  contain a note about shareware.  Just push F10 to clear the Note
  Pad, and i'll be ready to use.

  When you are done typing your note, push ESC to clear the Not Pad
  from the screen.

  Each time you push F2 the Note Pad will re-appear and it will
  still have all of the information you entered previously.  It
  will retain all of your notes until you push F10 to clear the
  Note Pad.

  To see the Note Pad help screen, push F2 to display the Note Pad,
  then push F1 to see the help screen.

  When you want to, print your notes, push F3.  This will print
  everything currently written in the Note Pad, using whatever font
  your printer is currently set to use.  BE SURE YOUR PRINTER IS
  TURNED ON BEFORE TRYING TO PRINT YOUR NOTES.







_________________________________YOUR PERSONAL LEGAL GUIDE - 6



Definitions_______________________________________________________

  Although plain english explainations are included throughout the
  statutes, you may run into an unfamiliar legal term.  If this
  should happen, you can use the legal phrase dictionary included
  with the GUIDE.  The Annotated Statutes Menu includes a selection
  that displays a legal phrase dictionary.  Use this option to look
  up any unfamiliar legal terms.  If you find a legal term that is
  not included in this dictionary, please let us know about it when
  you register the GUIDE and we will add it to the dictionary.


Exiting From An Annotated Statute_________________________________

  When you have the text of a statute displayed on the screen, you
  can return to the Annotated Statues Menu by pushing ESC.  You can
  then return to the Main Menu by pushing ESC again.



TUTORIALS/ANNOTATED STATUTES______________________________________

  YOUR PERSONAL LEGAL GUIDE includes a section of tutorials about
  the subjects that our research and your requests show are of the
  most interest to our users. This is option "C" on the Main Menu.

  Each tutorial is a discussion of the rights and obligations that
  the law provides in a specific area.

  NOTE: If, after you register and receive the additional disk of
  statutes, tutorials, and legal forms, there is an area you are
  interested in which is not covered by the tutorials, please let
  us know.  We'll try to add coverage of the area in the next
  update.  We want to be sure the GUIDE provides the information
  you need and we'll be continually expanding it to insure that it
  does.


Selecting A Tutorial______________________________________________

  First select option "C" - "Tutorials/Annotated Statutes" on the
  Main Menu.  This will display the Tutorial Menu.  You can now
  select the tutorial you'd like to read.  Just highlight it, and
  push ENTER.  This will display the tutorial.

  You can read through the tutorial by using the cursor keys, page 
  down, page up or the home or end keys.




_________________________________YOUR PERSONAL LEGAL GUIDE - 7



Opening A Second Window___________________________________________

  If, as you read the tutorial, you would like to review the full
  text of the laws discussed in a tutorial, you can do this--
  without exiting from the tutorial--by opening a second "window."
  To do so, press the letter "S".

  You will then see a Statutes Menu.  You can look up a definition
  in the dictionary, or, if applicable review the text of a 
  related statute.

  To toggle back and forth between the mini-seminar and the
  selected annotated statute (or dictionary), press the letter "O".

  You can open the note pad at any time you are viewing a tutorial,
  a statute or the dictionary.


Definitions Of Legal Terms________________________________________

  If legal terms are used in a tutorial, they are also defined in
  the on line legal dictionary.  Simply press the letter "S" and
  select the "Dictionary" option.  Then press "O" to toggle back
  and forth between the dictionary and the tutorial.


Exiting From The Tutorials________________________________________

  To stop reading a tutorial, push the ESC (Escape) key.  Then to
  return to the Main Menu, push "M".  To exit from the program push
  the letter "X".




PREPARING LEGAL DOCUMENTS_________________________________________

  Overall, preparing a legal document or form is very easy.  The
  software will prompt you to enter the required information on
  step at a time.  In some cases it will even provide suggestions
  for what you should enter.  All you need to do is answer the
  questions, as they are presented on the screen, then the software
  will create the legal document/form you need.








_________________________________YOUR PERSONAL LEGAL GUIDE - 8



The Document Generator____________________________________________

  We are proud of our document generation program. We think you'll
  be very happy with the results it produces.  Through the use of
  this part of the program you will be able to create custom legal
  papers that are legal and binding in all 50 states. These forms
  will accomplish their objectives of course, but if you use a form
  that isn't right, or doesn't completely accomplish your goal,
  you'll have a legal and valid form that accomplishes something
  other than you desired.  Please read the following carefully:



  ************************************************************
  IT IS ESSENTIAL TO HAVE AN ATTORNEY REVIEW DOCUMENTS THAT YOU 
  PREPARE FROM TIME TO TIME; THE DOCUMENTS HEREIN ARE VALID IN THAT
  IF THEY ARE PROPERLY PREPARED THEY WILL BE EFFECTIVE TO CAUSE THE
  INTENDED RESULT. THIS MEANS HOWEVER, THAT A USE OF THE FORMS FOR 
  AN INAPPROPRIATE PURPOSE WILL RESULT IN AN INAPPROPRIATE RESULT. 
  WE IMPLORE YOU TO SEEK LEGAL COUNSEL IF THE FAILURE OF A LEGAL 
  FORM TO ACCOMPLISH THE INTENDED PURPOSE WILL BE FINANCIAL LOSS. 
  UNDER THE DISCLAIMERS OF WARRANTIES HEREIN, DAMAGES MAY NOT BE 
  RECOVERED FOR THE MONETARY LOSSES AND OTHER DAMAGES, INCLUDING 
  CONSEQUENTIAL DAMAGES SHOULD A FORM NOT MEET YOUR NEEDS. YOU'LL 
  STILL SAVE TIME AND MONEY BY USING THE FORMS- JUST HAVE THEM 
  REVIEWED. IN ADDITION BE SURE TO GET THE LATEST FORMS BY CHECKING
  IN FOR UPDATES.
  ************************************************************



  To use the forms generator, from the main menu, select option
  "D", Prepare/Save/Print Legal Documents.  This will display a
  menu of available legal documents.

  NOTE: There is more than one screen of documents. Use the cursor
  keys or "Page Down" key to see the entire list.

  The Document Menu lists the many available documents and forms.
  Highlight the document you want to select and push ENTER.



  ************************************************************
  LAWS CHANGE AND THIS MAY FORCE A CHANGE IN FORMS SO THAT THEY 
  COMPLY WITH LEGAL REQUIREMENTS. PLEASE BE SURE TO REGISTER TO
  GET THE LATEST UPDATES. 
  ************************************************************



_________________________________YOUR PERSONAL LEGAL GUIDE - 9



  Once a document/form has been selected, you can then enter
  information and "custom build" your form.


Building Documents________________________________________________

  You will then see one of two types of form building screens- a
  multiple choice box and a fill in the blank box.

  If the screen presents you with a fill-in-the-blank-box, it will
  describe the needed information.  Enter, exactly as you wish to
  see it on the document/form, the information requested. Be
  careful to put it in the format requested--if the fill-in-the-
  blank-box asks for the information in numerals, use numerals. If 
  it asks for information in words, enter words. Once you have 
  finished filling in the blanks, then push the ENTER key. You can
  "edit" a line prior to pushing ENTER by using the backspace key. 

  If you have made a significant error, and want to start from
  scratch, use the tab key to highlight the "cancel" choice at the 
  bottom of the dialogue box, and then push ENTER. The document
  will then be canceled. You will be returned to the document 
  preparation main menu.

  On occasions the space which is provided for entry of information
  may be too small for what you need to enter. In that case, simply
  enter "See exhibit 1 (or exhibit 2, etc.)" in the fill in the
  blank box.  After you have finished creating and printing the
  form or document, then type the information that would not fit in
  the box on a separate sheet of paper and label it "Exhibit 1" (or
  Exhibit 2, ect.).

  When you see multiple choice boxes, use the cursor keys to place
  the "bullet" in the choice you want, and press ENTER.


Numerical Information_____________________________________________

  When amounts of money need to be entered, type them using
  following format:  213.45  or  22000.00

  Do not include commas and dollar signs, the software will add
  these in the proper format required by the legal form.

  When the program asks you for numerical amounts, if you do not 






_________________________________YOUR PERSONAL LEGAL GUIDE - 10



  enter them using the above format, the software will try to
  convert them into their correct form. Thus, if you enter 100, the
  program will show it as $ 100.00 (One hundred dollars and xx/100)
  automatically!


Prompts With Suggestions__________________________________________

  Many screens contain prompts that suggest information for you to
  enter. For example, the "number of days between installments" on
  the installment promissory note has several choices. The final
  choice "KEY IN VALUE" allows you to put any number you desire in
  the form, if the suggestions don't fit your needs. To enter your
  own value, place the bullet on the "Key In Value" choice and then
  press ENTER. Then type in your choice.


Saving A Document/Form____________________________________________

  Once you've finished preparing a document you can save it for
  future use; for your legal records; or for future reference, by
  pushing the letter "S".  You'll then be prompted for the name
  you'd like to give to this document.  MS-DOS limits you to eight
  characters and an extension on a file, for example- "FORM.TXT".
  However, the GUIDE does not have this limit!  Your document can
  be named using up to 72 characters, including blank spaces. 
  Thus, a form used when Joe lent Fred $ 100.00, that was created
  on 12/01/93, can be named:

   "Note from Joe to Fred- value $ 100.00 dated 12/01/93"

  I suggest that you use a completely descriptive name so you will
  know exactly what the document is.  It easy to forget once a few
  months have passed.


Printing Documents________________________________________________

  After answering all of the questions and prompts presented by the
  document/form creation module, you can print a copy of the
  document/form by pushing the letter "P".  A dialog box will
  appear and ask you use the cursor keys to verify that your
  printer is turned on and you are ready to print the
  document/form.







_________________________________YOUR PERSONAL LEGAL GUIDE - 11


  You can use any type of printer.  This software automatically
  works with any type of printer, that has automatic paper feed,
  from a dot matrix to a lazer printer.

  IF YOU ARE USING A LASER PRINTER BE SURE TO CLEAR OUT ANY CODES 
  THAT YOU MIGHT HAVE SET FOR GRAPHICS OR LANDSCAPE PRINTING, AS
  THESE CODES WILL AFFECT WHAT THIS SOFTWARE PRINTS.

  Detailed information on the specific forms, and a description of
  the information required to complete them, is discussed later in
  this manual.



REVIEWING DOCUMENTS_______________________________________________

  The "Review/Print/Delete Legal Documents option on the Main Menu
  is used to work with documents/forms you have created and
  previously saved.  To use this option select option "E" on the
  Main Menu. The documents, with titles you have assigned to them,
  will appear on screen. To read on of them, highlight the document
  /form you want and press ENTER.

  To print that document/form push the letter "P".

  To delete a document/form, first select the document/form so you 
  are viewing that document/form. Then hold down the <Alt> key and,
  while holding the ALT key down, press the letter "D" (for
  delete.) This will permanently erase the document/form.  Be
  careful using this option because, in most cases, even the
  undelete utility will not be able to recover the document/form. 
  (This can be important with legal documents you don't want anyone
  else to see).


PRINT MANUAL______________________________________________________

  This option on the Main Menu is used to print this Users Manual. 
  Be sure you printer is turned on and ready.


PRINT REGISTRATION FORM___________________________________________

  A one page registration form is included to make purchasing this
  software easy.  Use this option to print a copy of that order
  form.






_________________________________YOUR PERSONAL LEGAL GUIDE - 12




DOS Shell_________________________________________________________

  This option will give you a DOS prompt while retaining the GUIDE
  in memory. For example, if you want to format a floppy disk, but
  do not want to exit the program, then choose the DOS Shell
  option, by either highlighting this option using the cursor 
  keys (up and down arrows) or pressing the letter "S" and then
  pushing ENTER.

  To return to the GUIDE, type EXIT at any DOS prompt, and push
  ENTER.







































_________________________________YOUR PERSONAL LEGAL GUIDE - 13

  


   DETAILED DOCUMENT/FORM INFORMATION
   __________________________________

  In this section of the manual, I'll describe the information 
  needed to prepare some of the more popular forms.  Because of disk
  space limitations we are not able to provide complete coverage
  of all the forms.  All the forms are covered in the printed manual
  included with the registered version of YOUR PERSONAL LEGAL GUIDE.
  A complete listing of all available forms can be seen by running
  the software and going to the "Create/Print Forms Menu."

  These directions tell you what information you'll need to 
  complete each form, and what you should have read in the GUIDE
  before starting to create the form.  If there is no information
  here for a form you need to use, go through the form creation
  process to create a first draft, then use the statutes and
  tutorial sections to look up the information you need.


Assignment Of Promissory Note_____________________________________

  This form prepares both recourse and non-recourse assignment
  of promissory notes. The following information is required:

  The name of the owner of the note; the makers of the note; the
  original amount of the note; the interest rate; the present
  balance on the note; the buyer of the note.


Bailment__________________________________________________________

  This is an agreement to lend or borrow personal property; this is
  opposed to real estate (land).

  This form is limited to NON PROFIT borrowings! If you are in 
  the rental business, a rental contract tailored to your 
  business is required. Sometimes in doing someone a favor and 
  lending them your lawn mower, or whatever, disagreements occur 
  due to questions like: when was the item due back? if it 
  breaks, who pays for it? In addition, if you think that you are 
  doing someone a favor by lending them your hedge clippers, 
  watch out if the hedge clippers break and hurt the borrower. 
  In many cases courts permit borrowers to sue for being lent 
  something dangerous. This form limits this type of liability.

  This form should stop these types of disagreements from happening
  in the first place since it specifies the conditions for the 
  bailment.


_________________________________YOUR PERSONAL LEGAL GUIDE - 14

  A few other formalities are included in this form. One of the 
  most important is an "indemnity" clause which provides that, if 
  the property causes injury to another, they are responsible.

  Information required: name of the owner; name of the property;
  description of the property; length of the loan; purpose of the
  borrowing (use this subclause to limit use of the item); whether
  the property will be insured by the owner or borrower, or
  neither; if to be insured by the borrower, state limits of
  coverage.

  WARNING: If the owner has insurance and agrees to carry the 
  liability, this may void his own coverage. Check with your
  insurance agent about this.

Bill Of Sale For Used Goods_______________________________________

  This form is used to as a combination receipt and bill of 
  sale. It is intended solely for a deal in which a CONSUMER 
  sells something they own to another person. This form was 
  prepared because small claims courts are populated with cases 
  in which someone who has bought a used boat motor, or 
  whatever, and then sues the seller claiming that the product
  failed to work, etc. However, the law in most states is that
  there IS NO WARRANTY when a person who is not a dealer in that
  type of goods sells them. 

  Information needed: name of the seller; name of the buyer;
  description of the goods sold--be sure to call it a "used"
  whatever.

  The form provides the following choices as to the payment of 
  the sales price: cash, or part cash and assumption of liens. 
  For example, if there is a lien on a stereo you are selling, 
  then the sales price is for cash plus the buyer agreeing to pay
  the lien. In this case have the name of the lien holder and the
  amount of the liens handy.

  If you are financing a purchase of something don't use this 
  form. Instead, use the security agreement form.













_________________________________YOUR PERSONAL LEGAL GUIDE - 15


Commercial Equipment Lease________________________________________

  Many equipment leases are really loans. Thus, after paying for 
  the lease term the equipment can be purchased for a dollar. 
  This form will prepare both a loan type lease and a true 
  lease, where at the end of the term the equipment must be 
  returned.

  The following information is required: the name of the 
  parties; a description of the leased items (this should be 
  exact, and in many cases will require the use of multiple 
  attached sheets.) The place where the leased items will be 
  used.

  An option is provided that requires the leasing customer to 
  pay freight and set up costs, or you can have the set up costs,
  up to a limit, added to the loan.

  The goods may either be insured by the customer or through the 
  leasing company. In both cases, the premium and payment terms 
  for the premium must be stated.

  The total payments under the lease,  and the terms for payment 
  are set out by this agreement.

  In addition, the customer will either be required to return the 
  equipment at the end of the lease term, or, have an option to 
  purchase. The option price (whether $ 1.00 or a discount to 
  the assumed value or more) is also stated.

  In some cases, particularly for "true leases", maintenance is 
  provided by the leasing company. Options are provided for 
  either the leasing company or the customer to provide service. 


Commercial Lease/Acceptance, Inspection___________________________

  When a lessor delivers property, a certificate of acceptance 
  of the property is often required. This certificate is proof 
  that the property was accepted and working. Usually, this is 
  used when a manufacturer uses a third party financing source.

  The following information is required: the description of the
  property and exceptions to full acceptance.








_________________________________YOUR PERSONAL LEGAL GUIDE - 16


Consignment Sales Agreement_______________________________________

  Selling on consignment is becoming more and more common these 
  days. Unfortunately, persons selling on consignment often 
  don't get clear written agreements, or overlook some very 
  important points. We are preparing a full tutorial and 
  statutory text regarding the hazards of consignment selling in 
  general. For now: unless the store has signs indicating that 
  it is a consignment shop, or your goods have a notice on them 
  stating that they are consigned, it is required that there be
  a formal consignment agreement as well as a recorded lien 
  (UCC-1 a/k/a A financing statement). 

  This form also prepares an agreement for "sale or return" in 
  which the seller provides the goods to the buyer, and the 
  buyer either pays for them (there is neither a commission or a 
  flat fee per sale) or returns them.

  This form points out a number of things to consider including 
  who is going to insure the goods. (Very important!!!)

  Information required to complete the forms: names of the parties,
  description of the goods, whether the buyer or seller will insure
  the goods while the consignment seller has the goods (if they are
  uninsured, check buyer); whether the consignment seller will be
  paid on commission or flat sum per good sold; minimum sales price
  per unit; the number of days between accountings; on a sale or
  return the number of days to return; who will pay return freight
  for unsold goods.


Corporate Resolution To Open Bank Account_________________________

  Banks require corporations to provide a "corporate resolution" 
  when bank accounts are opened. The form is taken from a public 
  domain form which many bank use. (Don't be surprised if a bank 
  requires or tries to require that you use their form. That way 
  they don't have to proof read.) The following information is 
  required:

  Name of the corporation; secretary of the corporation; Name of 
  the bank; number of signatories on checks (that is whether one 
  or two or more signatures are required); names of the 
  authorized signatories.







_________________________________YOUR PERSONAL LEGAL GUIDE - 17


Corporation Meeting Minutes, Annual Meeting_______________________
 
Small Corporation

  The corporate laws of each state require that there be an 
  annual meeting. These minutes are adequate for almost every 
  small corporation.

  The following information is required: the name of the
  corporation; whether the meeting is called by notice or an agreed
  waiver of notice by all the parties and the date of the meeting
  notice/waiver was served; date, place and time of the meeting;
  the name of the chairman of the board, the names of nominees for
  the offices of president, secretary and board chairman; names of
  the winners of the election [usually the people who are nominated
  are the shareholders and they win unopposed]. Finally, the form 
  provides an option for a declaration for payment of a dividend.
  If a dividend is provided for, the amount and record date for
  ownership.


Credit Application________________________________________________

  In business it is customary to for a business or person 
  seeking credit to fill out an application form. This is a dual 
  purpose form and can be used to verify both employment and 
  credit history. However, persons will quite rightly often 
  decline to give out information concerning another person 
  without written approval for the release. This form contains 
  the needed release.

  The following information is required: the name of the applicant;
  the social security number of applicant; date of the application;
  name, address and phone number of person to reply to.


Designation Of Guardian For Minor Children________________________

  This form is used to give a "power of attorney" to a trusted 
  relative or friend to act as your child's "substitute parent" 
  if you are incapacitated. Note that it is not effective BEFORE 
  any incapacity. This power is drawn to give very broad power 
  to the appointed person including management of the child's 
  custodial property. In addition, if the children ever need a 
  formal guardian this form also states that the person 
  mentioned is your choice for the formal court appointed 
  guardian.

  Here is the information required: name of parent or parents (If
  there are two present custodial parents each must sign); Name of
  attorney and second choice.


_________________________________YOUR PERSONAL LEGAL GUIDE - 18



Employment - Temporary Lending Of Employee________________________

  This form is used when a company lends an employee to another, 
  which from our mail and request for new forms we know is quite 
  common. The form establishes the liability for worker's 
  compensation and wages. In recognition of the fact that 
  employees may have pension funds and other fringe benefits,
  the agreement requires the temporary employer, regardless of 
  who pays the employee, to reimburse the permanent employer for 
  overhead.

  The following information is required: the name of the primary
  employer, the name of the temporary employer, name of the
  employee and job title; pay rate;  dates for lending; which party
  will pay the employee; and the overhead rate.


Employment Application - Release Of Information___________________

  There have been a rash of lawsuits filed by employees who are 
  fired and then get "'bad''" references for libel, etc. 
  Therefore, many firms now only will provide as an employment 
  reference the name, dates of hire and job title and pay of an 
  employee. They are much more likely to agree to give a true 
  picture if they have a release agreement permitting them to 
  speak with less fear of suit.

  The following information is needed: the name and social security
  number of the applicant; the date of the application; the
  position applied for; name, contact name, address and phone
  number of the prospective employee.


General Partnership - Short Form, Capital Under $30,000___________

  Due to numerous requests from our users, we have added a form 
  suitable for creating small, uncomplicated partnerships. We 
  have specified that the capital must be below $ 30,000.













_________________________________YOUR PERSONAL LEGAL GUIDE - 19


  The following information is required: name of the partnership;
  name of the partners; address of the principal office of the
  partnership; amount of capital invested by each partner and the
  total capital of the partnership; how often partnership profits
  will be divided, and if draws for living expenses will be made.


General Partnership, Larger Capitalization________________________

  This form includes some of the additional clauses which are 
  required in a larger partnership. It gets harder and harder 
  to write "generically adaptable" forms when larger sums are 
  involved. However, this form covers the major bases. 

  Here is the information required: the state and county where the
  partnership was formed, the business to be engaged in; the
  starting date of the  partnership; address of the principal
  office of the partnership; the capital contributed by the
  partners; the time period between accountings; an option is
  provided for draws; the maximum dollar authority of each partner;
  and an option is provided for the regular affairs of the
  partnership to be managed by a committee.


Guarantee Forms___________________________________________________

  A guarantee is an agreement by one party to pay the debt, or 
  to take care of the obligations of another party. This is 
  frequently used with corporations. Most corporations are very 
  thinly capitalized, and thus for obligations of any size, 
  savvy creditors demand that the owners guarantee the debt.

  Under a law known as the Statute of Frauds, the promise to pay 
  the debt of another must be in WRITING TO be valid. DON'T 
  FORGET THIS!!

  Therefore, we have a personal guarantee. This document 
  actually produces THREE different kinds of guarantees. The 
  first is an unconditional, blanket guarantee. This means that 
  the guarantor (person agreeing to make good another's 
  obligations) agrees that whatever debts and obligations are 
  due from the primary debt, in whatever amount will be their 
  responsibility. This is the most dangerous kind of guarantee 
  to sign for the guarantor, but the most favorable to the 
  creditor.







_________________________________YOUR PERSONAL LEGAL GUIDE - 20


  The second is a guarantee agreement for a specific obligation. 
  In other words, in this agreement the guarantor is agreeing to 
  pay whatever comes out of one specific deal.

  The third is a guarantee that covers all obligations, but, is 
  limited to a total specified sum. Thus, the guarantor agrees 
  to pay a certain sum, if the balance is that or lower and the 
  primary debtor doesn't pay.
 
  The following information is needed to complete the form. Of 
  course, you must choose which one of the guarantees represents 
  your agreement. You'll need: the name of the party borrowing,
  guaranteeing and lending, the amount, or debt guaranteed (unless
  unconditional guarantee).


Hunting/Fishing/Sportsman's License_______________________________

  This form is the result of yet another suggestion from our 
  users! Thank you. Hunting and fishing often takes place on 
  another's land. This form provides for the use of land for 
  sporting purposes. It prepares exclusive, non-exclusive, paid 
  and unpaid licenses. 

  The following information is required: names of hunters and
  owners; fee (if any); type of hunting/fishing permitted;
  description of property; dates for the license.


  Options are also provided to release the property owner from 
  liability.
 

Independent Contractor's Agreement________________________________

  An independent contractor is a non-employee who does work for 
  another. No withholding is required, and employee benefits 
  (like worker's compensation) are also not required. However, 
  the IRS takes a very dim view of independent contracting being 
  used to replace employees. So dim that they very carefully 
  audit these agreements. An independent contractor is truly 
  independent! The employer cannot control the work times, work 
  methods or means used by the independent contractor.

  The following information is required: name of employer,
  employee, description of jobs to be done, rate of payment, date
  of beginning and ending the agreement.





_________________________________YOUR PERSONAL LEGAL GUIDE - 21



Insurance Claim - Automobile______________________________________

  A question often heard is, if my insurance company won't agree 
  to a value that I lost when my car was wrecked/stolen, what do 
  I do?  One solution is to submit a proof of loss. Under almost
  all insurance policies, if you submit a proof of loss, you then 
  place the burden on the insurance company to either pay the 
  proof of loss or reject it. If they reject the proof of loss, 
  you are then entitled to sue or to arbitrate the disputed 
  amount. Sending in a proof shows that you are serious about 
  being paid and might result in a better settlement. 

  Information required: the name of the insured, the named of the
  insurance company, the policy number, the date that the CURRENT
  policy commenced; the current expiration date of the policy; the
  model, make, type and vehicle identification number of the
  vehicle; state of registration and Tag number; reason for the
  claim (a collision, theft, fire); date of the loss; time of loss;
  explanation of loss (this should be very brief- for example other
  vehicle ran red light); if there are liens on the vehicle; if
  there is other insurance, enter so (ordinarily there is only one
  policy); if you are aware of any reason why the loss might not be
  covered enter this information (ordinarily no reason exists).


Insurance Subrogation Agreement___________________________________

  Another user request leads to the addition of a new form! 
  In many states, if an insurer pays a claim, it is entitled to 
  subrogation (that is the right to go after any liable party) 
  against any third party who is responsible. This form 
  prepares the standard form used by many insurers.

  The following information is required: the name of the insurance
  company; name of the insured; nature of the loss (fire, theft,
  etc.); the type of coverage claim was paid under, such as
  automobile, homeowners, etc.; the amount of the claim; the amount
  of the insured's deductible;  and finally the insured must either
  agree that the insurer will try to collect the deductible or that
  they will retain it themselves.











_________________________________YOUR PERSONAL LEGAL GUIDE - 22

Internal Revenue Service Power Of Attorney________________________

  Before someone can represent someone else before the IRS a 
  power of attorney must be filed. This form is a direct input 
  of the statutory form. (And you may find an IRS agent or two 
  who will want it rewritten; that is NOT required and the IRS 
  has advised us that our form is okay. On the other hand.... 
  bureaucrats can sometimes be, well.......)


Lottery Pool______________________________________________________

  Many offices, clubs or friends get together to buy lottery 
  tickets. However, the potential exists for misunderstanding 
  whenever a big prize is won for the parties involved in a 
  pool (together with those who "remember" suddenly that they 
  threw in a dollar to the pot or for the person holding the 
  ticket to "forget" all those who added their money in the pot.)
  
  This form deliberately requires a new form to be created each
  month, because an old form with people's name who have dropped 
  out is not a good thing to have lying around!

  The following data is required: the names of the pool
  participants; the state's name; the game(s) to be played; the
  name of the Lottery Pool Manager; the amount per member to be
  played per game.


Manufacturer-Distributor Agreement________________________________

  This agreement is the skeleton of a frame work for the 
  relationship between a manufacturer and a distributor or 
  dealer. It covers the essential terms of this business. 


Mutual Release Of All Claims______________________________________

  At the end of some sort of legal disagreement, involving both 
  parties claiming from one another (claim and counterclaim) 
  which the parties have settled, a release needs to be 
  exchanged. A release is an agreement that brings to a 
  conclusion a dispute between parties. In its purest form a 
  mutual release says that the parties to a dispute have settled 
  it and neither will sue the other for anything which occurred 
  prior to the date of the release. A release can also be used 
  when the parties have settled a case for instance, on the 
  basis that one is to pay the other a certain amount of money, 
  and there are to be no other obligations remaining. Please 
  note that we also have a unilateral release form. Use the 
  unilateral release when one party has claimed against another 
  and the dispute is settled. 


_________________________________YOUR PERSONAL LEGAL GUIDE - 23



Non-Marriage Agreements___________________________________________

  You are going to live together with someone. It's smart to 
  have a formal agreement defining the property rights of the 
  parties. But, YOU ARE BEING WARNED HERE (!!!) this area of 
  law is very unsettled and this agreement may not be enforced 
  by a court or may only be enforced in a limited way. EXTREME 
  TRUTHFULNESS IS REQUIRED. If you check off that each party 
  has fully disclosed their assets and liabilities, and you 
  haven't, all bets are off.

  We suggest that you read the "Uniform Premarital Agreement"
  statute, since in many cases the court will treat long term 
  arrangements where the parties are not living together as 
  marriages.

  WARNING: All is off if you get married. You need a new 
  agreement then.

  Good luck!

  Information needed: are the parties already living together? (If
so, agreement states that it is retroactive.)
  Have they made a full disclosure of assets?
  Has each party had an opportunity to seek counsel?
  Will parties keep separate checking accounts?
  Do parties waive "palimony?" (This may be unenforceable, but 
if this is your agreement try it.)
  Is it possible that the parties MAY acquire property together??
  Do you desire to set percent of living expenses each party will
contribute? (This can be unequal. We also put in the 
agreement that if one of you stops contributing, let's say
due to a layoff at work, that the money cannot be adjusted
or equalized out later if it goes over $ 1,000 unless there
is another agreement).


Permission For Child To Go On A Trip_______________________________

  If a child goes on a club or school trip, then there are 
  several important concerns. Although we hope it never happens, 
  if the child is hurt, then there is a possibility that medical 
  care may be required, and hospitals/doctors want parental 
  permission before treating a child. Therefore, this form gives 
  two designated adult chaperons the authority to give consent 
  for any needed treatment. In addition, the form relieves the 




_________________________________YOUR PERSONAL LEGAL GUIDE - 24



  sponsors from liability for accidents, provided that they act 
  in good faith.

  Information needed: parent's, child's, and chaperons' names; 
  purpose of trip; sponsoring organization's name; start/end of 
  trip.


Pre-Divorce Agreement______________________________________________

  In some marital breakups, the parties can agree on some 
  issues, but not all. This form, which is frequently used by 
  attorneys, provides for resolution of a number of different 
  issues. This agreement would then be made a part of the 
  divorce granted by the Court. PLEASE NOTE: A divorce court in 
  many states will not be bound by a pre-divorce agreement. No
  states' courts will be bound by a provision for child 
  support. And, in all states, the court can reevaluate child 
  support or spousal support if circumstances substantially 
  change.

  The following information is required: place and date where the
  parties were married; number, date of birth and names of children
  (if any) born to the parties; disposition of debts if any;
  disposition of child support; insurance to be maintained by
  either party; division of real property (if any); and if the
  parties have made complete disclosures of finances and have been
  independently advised, this may be (but is not required to be)
  stated.


Premarital Agreement_______________________________________________

  A premarital agreement is a contract to fix the rights of 
  parties to property prior to marriage. Many persons entering
  into a second (or later) marriage, want to fix each other's
  inheritance rights. That is, if you already have children you
  want to be sure that each family's children inherit from their
  parent. 

  Please see the tutorial regarding the Uniform Premarital 
  Agreement Act before beginning to prepare this form. It 
  contains important caveats that you should be aware of 
  regarding them. 

  EXTREME TRUTHFULNESS IS NECESSARY AND REQUIRED.

  If you put untruths in such an agreement, all bets are off. 
  The following choices are provided:


_________________________________YOUR PERSONAL LEGAL GUIDE - 25



  Right to share in each other's estate; Right to alimony
  Increase in property; Adequate separate resources to support oneself

  In addition you will be asked if the parties have each had a 
  chance to seek independent counsel. 


Purchase Order_____________________________________________________

  A purchase order is a formal offer to buy goods. These forms 
  are very common in business. This form can generate a variety
  of different types of purchase orders, in particular, those 
  for standard and custom goods.

  The following information is required: date of purchase order;
  name of the buyer [party issuing the purchase order]; name of
  seller and seller's address; item purchased; quantity; price per
  unit; tax if any; total value of purchase order; date for
  shipping [this can be stated as either a specific date, or as a
  general date, for example, as soon as possible]; shipping method
  [you may state "best method"].

  The purchase order can require a firm date for shipping, and
  provide for cancellation if not shipped; the purchase order can
  either use standard specifications or can allow you to enter your
  own specifications, if specifications are stated you'll need: the
  number of days allowed for inspection of goods and number of days
  for the seller to correct non-conformitites.

  The purchase order can either provide for cash or terms of
  payment.

  If the seller is to set up the goods, the number of days 
  allowed for setup.

  If the seller is to maintain the goods sold, the number of 
  months of maintenance.

  If seller is required to train in use of goods, the number of
  hours of training.


Request For Statement Of Account, Secured Loan_____________________

  Many banks makes loans based upon personal property as 
  assets. Obviously, the bank wants to be sure that the 
  property has no liens (or that it knows about the liens).
  This form accommodates this problem.



_________________________________YOUR PERSONAL LEGAL GUIDE - 26

  The following information is required: names and addresses of
  both parties; effective date of the secured loan balance request


Retail Store - Lease Of Department_________________________________

  The last time that you bought a watch or shoes in a large 
  store, were you aware that it is quite possible that this 
  department was a "concession" rather than a part of the store 
  itself? This is an agreement for the leasing (or subleasing) 
  of an area within a store.

  The following information is required: the name of the store and
  licensee; term of the license in months; type of department; type
  of product to be sold; term in months of the license; type of
  department and product to be sold; square footage for retail
  space; number of feet for storage; percentage rental; minimum
  rental per year in numerals; percentage of sales to be spent in
  advertising; the minimum limits for insurance to be carried by
  the licensee.


Revocation Of Acceptance___________________________________________

  The Uniform Commercial Code provides that when you pick up or
  take delivery of goods, you have "accepted" them. However, 
  that acceptance is not final. In fact, you can "revoke" 
  acceptance if the goods fail within circumstances that the law 
  would recognize as a breach of the sales contract. 

  The following information is required: names of the parties, date
  of delivery, description of the goods, reason that the goods were
  defective, whether or not a demand for adequate assurance was
  made, and if so, the date, and if a lien is asserted on the
  revoked goods.



Security Agreement_________________________________________________

  This form is called many different things by different folks. 
  Some refer to it as a "conditional sale" in which the condition
  is you get to keep the property if you pay a debt that you agreed
  to pay to acquire the property. Sometimes it is called a "Chattel
  Mortgage"; in some cases it is known as "Lease." All of these
  instruments are really security agreements. In simple words a
  security agreement is a LIEN on property. 

  LIMITATIONS: Security agreements are used for tangible assets, 
  contract rights and intangibles. They are NOT appropriate for



_________________________________YOUR PERSONAL LEGAL GUIDE - 27


  securities, cash or real estate. With securities a pledge and 
  physical possession of the securities is appropriate. With 
  cash, physical possession is required and with real estate
  mortgages are required (trust deeds in some states.) SPECIAL 
  WARNING: Unless you have physical possession of the collateral 
  certain filings are required to perfect the lien. If you don't 
  file, your lien will be invalid against other creditors. 

  This selection on the menu prepares three different types of 
  security agreements. The first is a standard security 
  agreement in which a party puts up his property for a loan or 
  for a purchase. In this form, the debtor agrees to make good 
  any deficiency (that is if the property is repossessed and 
  does not bring enough in to pay off the debt, they're on the 
  hook for the difference.) There are some further variations: 
  whether the security is provided for a single debt or for all 
  debts (this is called a cross collateralization clause.)
  
  In addition, this selection on the menu can produce a 
  hypothecation. (See on line dictionary for explanation).

  The following information is required: names of each party; a
  specific explanation of the property secured, either general or
  specific--thus you can have a lien on a specific fork-lift, or on
  the accounts receivable of a business;

  if the security agreement secures a specific debt, the date of 
  the debt and the original principal amount;

  if the security agreement is a hypothecation, then the person 
  for whom the debt is secured must be identified, together with 
  that debt-- the date of the debt and the original amount;

  in all security agreements-- are there other liens on the 
  property? (first lien vs. junior lien) and if so, the amount 
  of the liens and the identify of the creditor;

  will this security agreement secure all other debts between 
  the parties?


Statement Of Account Request_______________________________________

  Under the Uniform Commercial Code, a person who owes money 
  under a secured loan may request a statement of the account 
  including a list of the collateral held for the debt.

  The following information is required: name of the Secured Party;
  address of Secured Party; name of officer or department answering
  request; the name and address of the Debtor; date for which a
  statement is requested. 

_________________________________YOUR PERSONAL LEGAL GUIDE - 28



Transfer And Receipt Uniform Gift To Minor's Act___________________

  The Uniform Transfer to Minors Act has replaced the Uniform 
  Gifts to Minors Act, and governs the giving of assets to a 
  minor without resorting to (very expensive and cumbersome) 
  guardianships. This form is used for the transfer of assets to 
  a custodian to hold for the minor. 

  The following information is required: the name of the person
  making the gift, the minor's name and the custodian's name; the
  city and state of execution of the transfer form, the city and
  state where the minor resides; the description of the gift.

  The Act permits the custodian to receive compensation for 
  acting as the custodian for the minor. In most cases, a parent
  or very close relative will be the custodian, and accordingly, 
  would not expect compensation. The Act thus provides for the 
  custodian to waive compensation and we include a choice for 
  such waiver in this form.

Unilateral Release Of All Claims___________________________________

  See the discussion covering mutual release of claims.  The same
  information is required.

Unsecured Promissory Note__________________________________________

  A promissory note is an UNCONDITIONAL promise to pay money. 
  Keep the key word unconditional in mind when executing one. 
  In addition, most promissory notes provide for negotiability. 
  (The note which we provide is negotiable.) 

  This form will prepare unsecured notes, either as a demand 
  note, installment note or date certain note. In addition 
  guarantors can also be added.

  The following information is required:

  names of borrowers and lenders, principal amount borrowed, 
  the full address of the place where payments are due, the 
  rate of interest on the note EXPRESSED as simple interest. 
  The note may either be due on demand (demand notes by 
  convention are due in one year), in installments, or all in 
  one lump sum on a date certain. If the note is guaranteed by 
  third parties, please indicate so. 

  IMPORTANT NOTE: Promissory notes are signed by the borrower- 
  the lenders signature is unnecessary (and bad form) except on 
  the back of it as an endorsement if the note is negotiated to 
  others.
 
_________________________________YOUR PERSONAL LEGAL GUIDE - 29


Unsecured Note - Payment Limited To Profits________________________

  It is fairly common for partners/investors/shareholders to 
  be willing to invest more $$$ in a company, and to be willing 
  to wait for repayment until the first profits.

  This provides that the first profits and all subsequent 
  profits will be used to repay the loan.

  The following information is required: the name of the maker,
  holder, principal and interest rate.


Unsecured Note - Interest Rate Contingent On Balance_______________

  A fairly common deal in certain risky type of investments is a
  note that provides, in addition for interest, for a 
  percentage of profits contingent on the amount of loan due. 
  For example- $ 400,000 is borrowed, and the interest rate is 
  set at 10%. In addition for every $ 100,000 that is owed 1% 
  of the profits of the venture is additional interest. For all 
  of you asking, yes this can result in usury problems in some 
  states. However, in many states this is legal and valid. The 
  reasoning in the majority of the states is that since there 
  can or can't be profits, it is not usury since if there are 
  no profits the rate (so long as the original rate is below 
  the usury ceiling) is compliant with the usury limited. A 
  "usury savings clause" is contained in the note which limits 
  the interest rate to the maximum allowed by law. Our tutorial 
  on interest rates will also help.
  
  The following information is required: the names of the MAKER and
  HOLDER; principal sum of the loan; the interest rate; and then
  the percentage of profit (in percent) per outstanding portion of
  principal.


Vending Machine Agreement__________________________________________

  If a vending machine is to be installed in a business there 
  are a number of considerations, and this form addresses the 
  most common ones. 

  You'll need: the name of the property owner; name of the vending
  machine operator; the items which may be vended; the starting and
  ending date for the license; limits for required insurance 
  coverage in numerals; Options are provided for rental 
  payments and payments of utilities and installation costs




_________________________________YOUR PERSONAL LEGAL GUIDE - 30



Power Of Attorney Forms____________________________________________

  SIMPLE POWER OF ATTORNEY

  This form prepares multiple types of powers of attorney, 
  including those for banking, real estate deeds, 
  obtaining/reviewing educational records, IRS authority and 
  other authority that you describe.

  The form allows you to prepare any variation of the above, 
  that is, you can prepare a power of attorney with some or all 
  of the powers described.

  A power of attorney can be revoked at any time. This form 
  prepares a standard power of attorney. Under the law this type
  of power is automatically revoked by the incapacity of the 
  principal. A "durable power of attorney" continues in effect 
  even when the principal is disabled; or can come into effect 
  only if the principal becomes disabled.

  In adding powers that you write yourself be very careful to 
  severely limit the language. In particular put an amount 
  limit.

  Information required: name, city/state of residence of the
  principal; name, city/state of residence of the attorney.

  The following powers are provided: banking (name of bank, city 
  and state where the bank is located); real estate (description 
  of the property); educational records power (name of school, 
  college, and city/state where the college is located)

  For all powers the beginning and ending date of the power.

  DURABLE POWER OF ATTORNEY

  A durable power of attorney is one which continues in effect 
  despite the incompetency of the principal. The following 
  information is required:


  REVOCATION OF POWER OF ATTORNEY

  This form is used to revoke a power of attorney, either 
  temporarily or permanently. 






_________________________________YOUR PERSONAL LEGAL GUIDE - 31



Real Estate Forms__________________________________________________

  OFFER TO PURCHASE REAL ESTATE

  This is a very complicated form. Anyone who has been in the 
  real estate business for any period of time will recommend 
  that all parties in real estate deals, whatever size, have 
  legal counsel. So do we.

  The real estate offer form is used by a buyer (and real estate 
  agent) to make an offer to an owner. 

  Here is the needed information:

  Seller's name, address; gross purchase price; legal description
  of the property; expiration date of the offer.

  Will the purchase price be paid: in cash, with terms;

  If mortgages are to be assumed: the amounts and mortgage 
  holders;

  If the seller is to grant a new mortgage as part of the 
  purchase price: the principal amount, rate of interest and 
  payment terms;

  If the buyer will need to obtain a new mortgage, the amounts, 
  the term of the mortgage in months, the maximum allowable rate 
  of interest on the new mortgage, the maximum number of points 
  to be paid by the buyer, the maximum application fee to be 
  paid by the buyer;

  If there are buildings on the property;

  The number of days between acceptance and closing (minimum and 
  maximum), number of days to provide title insurance by the 
  owner;

  Closing costs to be paid by each party;

  if the parties used a realtor, the name of the realtor.

  This form conforms to practice in most of the east coast of 
  the United States.






  
_________________________________YOUR PERSONAL LEGAL GUIDE - 32



Living Will Forms__________________________________________________

  Before preparing these forms, be sure to review that state's 
  Living Will Summary from the tutorials menu. If the state 
  isn't listed then review the "generic tutorial." NOTE: The 
  failure to list a state means that it does not as yet have a 
  living will law, and does not indicate an omission.


Automobile Mileage Disclosure Statement____________________________

  Under federal government regulations, the mileage of a vehicle 
  must be disclosed upon its transfer. This form complies with 
  the federal regulations for disclosure.

  The following information is required: names of buyer and seller;
  mileage; vehicle make, model, VIN.



























<end of YPLG documentation>
