Money Math(TM), Shareware Version 1.1, INSTALLATION AND REGISTRATION PROGRAM DESCRIPTION Money Math(TM), v1.1 , Financial Analysis Tools for Windows 3.1 Money Math(TM), v1.1 , provides financial analysis tools capable of calculating Annuities, Bank Discount, Bonds, CD's, Compound Interest, Discounted Cash Flow, Loan Amortization, and Simple Interest in ten different dialog boxes. Overall, more than forty-five different unknown variables can be calculated. Extensive Windows help is available for each calculation dialog box including twelve detailed examples. Requires Windows 3.1. SYSTEM REQUIREMENTS Money Math requires, as a minimum, an IBM AT or compatible computer with Windows 3.1 installed and running. The current memory in your computer should be adequate if you are able to use other Windows 3.1 applications satisfactorily. The hard disk space needed is less than 150 kilobytes. Money Math will not run with Windows 3.0, use only Windows 3.1. MONEY MATH INSTALLATION You will probably receive Money Math in one of two ways. In the first way, you will have a floppy with the seven individual files listed below: MONYMATH.EXE - Money Math executable for Windows 3.1 MONYMATH.HLP - Money Math help for Windows 3.1 REGISTER.TXT - Registration form for Users README.TXT - Getting Started Documentation INSTALL.EXE - Installation Program for Money Math VENDOR.TXT - Vendor/Sysop Information FILE_ID.DIZ - BBS description of Money Math If you have a disk with the seven files, use the instructions given in the section below titled, "USING THE INSTALL PROGRAM". The second way to receive Money Math is in a compressed file or archive. The compressed file name should be MOMATH1.xxx where xxx indicates which file compression utility was used. In this case, use the suggestions given in the section titled, "INSTALL FROM A COMPRESSED FILE". If you prefer to install Money Math manually, copy the first four files listed above to the directory of your choice. Install the four files in the Windows Group of your choice, from the Program Manager "File" menu, by selecting "New..." USING THE INSTALL PROGRAM To install Money Math, start up Windows 3.1 and put the Money Math floppy disk in Drive A. From the Windows Program Manager "File" menu, select "Run". Type "A:INSTALL" in the box that appears. After you press "ENTER" or click on the "OK" button, the Install program will start on the floppy drive. If you are installing from B drive, substitute the letter B for the letter A above. The Install program will copy the Money Math files to a new directory titled "MONEY" on your hard drive (C:). You will have an opportunity to revise the directory and installation location. Click on the "OK" button or press the "ENTER" key to start the file transfer to the directory you selected. The Install program will also create a Windows Group named "Money Math" and put the Money Math icons in that group. You may move the Money Math icons to another group later if desired. INSTALL FROM A COMPRESSED FILE If you received Money Math as a single file such as MOMATH1.ZIP, copy this file to a temporary directory on your hard disk. Next, decompress the file using the decompression utility program. The DOS command might be PKUNZIP MOMATH1.ZIP if that compression utility was used to compress the file. Several other compression/decompression utilities are in common use. You can probably obtain the correct utility from the same place you obtained the Money Math archive. If the Money Math archive file name is MOMATH1.EXE, you decompress it by running it as you would any DOS program. No other utilities are needed. Once the archive file is decompressed, you should have the seven files listed above in your temporary directory. Now you can install Money Math as described above in the section titled, "USING THE INSTALL PROGRAM". Instead of typing "A:INSTALL" in the "Run" dialog box, you would type, "C:\TMP\INSTALL", where C:\TMP is the current hard drive and directory where the seven files are located. RUNNING MONEY MATH To start Money Math, double-click the mouse on the Money Math icon. From the keyboard, use the Arrow keys to move to the Money Math icon and then press the "ENTER" key. To maneuver in Money Math, use the same keys that you use in Microsoft Windows. For more information on using Windows keys, see your Windows manual Appendix C. All of the Calculation edit boxes that have a rectangle frame respond similarly to a word processor or text editor. Selecting "Exit" from the "File" menu item closes Money Math. You can also use the Alt+F4 key combination to do the same thing. MONEY MATH DOCUMENTATION All of the Money Math features are documented in Money Math Help. You can select the "Help" menu item from within Money Math or you can double click on the "Money Math Help" icon. Either way, the Windows Help program will run Money Math Help. All of the items listed below are fully documented in Money Math Help including 12 Money Math Calculation examples and a Search index with over 200 items. Introduction Financial Analysis List of Financial Calculations Financial Problem Solving Calculation Dialog Boxes Calculation Menu Items Simple Interest Bank Discount Compound Interest Annuity Bond Certificate of Deposit Discounted Cash Flow Loan Amortization File Menu Items Print Exit Help Menu Items Contents Keyboard Using Help About Keyboard Money Math Keys For a description of Money Math's capabilities, review the Help topic, "Financial Analysis" and "List of Financial Calculations. The 92 page "Money Math Users Guide" will be sent to you when you register. It contains additional topics such as a first calculation tutorial, financial analysis fundamentals, financial mathematics introduction, and a number of advanced calculations Money Math is capable of such as analyzing the profitability of refinancing a home mortgage. PRINTING THIS FILE To print this file from Windows, first load it into the Notepad editor that comes with Windows by double-clicking on the "Read Me" icon. Next, click on the "File" menu item and then select the "Print" command. You may want to select the "Print Setup.." command first to make sure that your printer is ready and properly setup. The file is about 5 pages long. To print the file from DOS, use the command line, PRINT README.TXT. LICENSE STATEMENT Money Math is a "Shareware program" and is provided at no charge to the user for evaluation. If you find Money Math useful, after a reasonable trial period, please make a registration payment to Lovell's. The registration fee will license one copy for use on any one computer at any one time. You must treat this software just like a book. For example, this software may be used by any number of people and may be freely moved from one computer location to another, so long as there is no possibility of it being used at one location while it's being used at another, just as a book cannot be read by two different persons at the same time. Commercial users of Money Math must register and pay for their copies within 30 days of first use or their license is withdrawn. Site-License arrangements may be made by contacting Lovell's. HOW TO REGISTER Registration is $26 US plus $4 for shipping and handling. Send a $30 check or money order to: Lovell's 109 Amanda Drive Anderson, SC 29621-9291 Phone: (803)224-2474 For your convenience, an order form is included in the file REGISTER.TXT. To print the file from Windows using the Notepad editor, double-click on the "Register" icon. Next, click on the "File" menu item and then select the "Print" command. You may want to select the "Print Setup.." command first to make sure that your printer is ready and properly setup. To print the file from DOS, use the command line PRINT REGISTER.TXT. Either way, just fill out the form and send it in with your check or money order for $30. BENEFITS OF REGISTRATION Registrants will receive: - Professionally printed 92 page User's Guide with Table of Contents and Index - Latest version of Money Math on disk - Money back guarantee for 90 days - Technical support for 90 days - Information on new releases and upgrades - The register reminder dialog box is removed TECHNICAL SUPPORT Lovell's will provide free technical support to registered users of Money Math for 90 days following registration. Our mailing address and phone number are shown below: Lovell's 109 Amanda Drive Anderson, SC 29621-9291 Phone: (803)224-2474 COPYRIGHT AND TRADEMARKS Money Math is a trademark of Lovell's. The Money Math software is licensed property of Lovell's and is copyright © 1993 by Lovell's. All rights reserved. Windows DOS are trademarks of Microsoft(R) Corporation. DISCLAIMER OF WARRANTY Lovell's has taken considerable care in preparing Money Math. Money Math has been carefully developed and tested according to normally accepted standards. Lovell's makes no expressed or implied warranty of any kind with regard to Money Math. Under no circumstances shall Lovell's be liable for incidental or consequential damages in connection with or arising out of the use or performance of Money Math. DEFINITION OF SHAREWARE Shareware distribution gives users a chance to try software before buying it. If you try a Shareware program and continue using it, you are expected to purchase it by registering. Individual programs differ on details -- some request registration while others require it, some specify a maximum trial period. With registration, you get anything from the simple right to continue using the software to an updated program with printed manual. Copyright laws apply to both Shareware and commercial software, and the copyright holder retains all rights, with a few specific exceptions as stated below. Shareware authors are accomplished programmers, just like commercial authors, and the programs are of comparable quality. (In both cases, there are good programs and bad ones!) The main difference is in the method of distribution. The author specifically grants the right to copy and distribute the software, either to all and sundry or to a specific group. For example, some authors require written permission before a commercial disk vendor may copy their Shareware. Shareware is a distribution method, not a type of software. You should find software that suits your needs and pocketbook, whether it's commercial or Shareware. The Shareware system makes fitting your needs easier, because you can try before you buy. And because the overhead is low, prices are low also. Shareware has the ultimate money-back guarantee -- if you don't use the product, you don't pay for it. ASP STATEMENT This program is produced by a member of the Association of Shareware Professionals (ASP). ASP wants to make sure that the shareware principle works for you. If you are unable to resolve a shareware related problem with an ASP member by contacting the member directly, ASP may be able to help. The ASP Ombudsman can help you resolve a dispute or problem with an ASP member, but does not provide technical support for members' products. Please write to the ASP Ombudsman at 545 Grover Road, Muskegon, MI USA 49442-9427, FAX 616-788-2765, or send a CompuServe message via CompuServe Mail to ASP Ombudsman 70007,3536.