*****************************************************************
-> This file introduces YOUR-PLAN, explains how to get started 
   etc. It should be read by all first-time users.

-> The file has been supplied as an integral part of YOUR-PLAN.     
   This is a personal financial planning software package developed 
   as a shareware package for use on a 'try-before-you-buy' basis 
   by Invest-Tech Limited. For contact details, see end of this file.

-> To view this file page-by-page, type "TYPE README.TXT|MORE"
   To print this file, type "PRINT README.TXT"

		 (Press CTRL+BREAK to quit now)
*****************************************************************

			      WELCOME
			      =======

YOUR-PLAN (r2.1) is an easy-to-use software package for 
preparing a personal/household budget and cashflow projections
for six months ahead. It enables you to project your income 
and expenditure and to forecast monthly cashflows and end-month 
bank and credit card balances. Use YOUR-PLAN to plan ahead
and save money !!!!!!!!

YOUR-PLAN is a fully operational and useful package and not 
'disabled' in any way. We have offered it as shareware to 
encourage users to register and to purchase our other financial
planning software products for preparing financial projections
for the home and businesses. YOUR-PLAN is a "Guaranteed Irish"
quality software product.

YOUR-PLAN is NOT free software. It has been supplied on a "try-
before-you-buy" basis. If you continue to use YOUR-PLAN after
a 30-day trial period, you must register with the author,
Invest-Tech. 

In return for registering, you will be licensed to use YOUR-PLAN
on a single computer indefinitely and you will automatically
receive (at no extra cost) a copy of the latest release of 
PERS-PLAN, a more powerful and comprehensive personal financial 
planner with its spiral-bound 90-page manual incorporating 
tutorial exercises etc. You also gain access to full support 
etc. for both products.

Registration only costs 29 (twenty-nine pounds sterling) or 
US$44, including p&p or S&H, so it will not break your family's 
finances. Full registration details are contained in the 
REGISTER.TXT file.

YOUR-PLAN is fully protected by copyright. However, it may be
copied in its entirety and without modification for FREE
distribution to friends and, subject to the conditions set out
in the VENDOR.TXT file, by shareware libraries etc.

We hope that you find YOUR-PLAN useful and up to expectations. 
It is our first shareware product. Please register so as to 
encourage us to continue developing other such products and to 
help feed Joan, David, Orla, Julie and Martina in the meantime!

	     Good luck with YOUR-PLAN.

		  Brian Flanagan, Invest-Tech Limited 

*****************************************************************

		       FILE CONTENTS/INDEX
		       ===================

This file (README.TXT) covers the following topics in separate
sections below:

	A - Details of supplied files, how to copy them etc.
	B - General introduction YOUR-PLAN and related matters
	C - Guidance on how to run YOUR-PLAN
	D - Explanation of shareware
	E - User Licence Agreement
	F - Software revisions
 
*****************************************************************

		    A - SUPPLIED FILES
		    ==================

It is a breach of copyright to change, break-up or interfere
with the set of files contained in the ZIP files (YOURPLAN.ZIP 
and YOURPLAP.ZIP) or in any other achive file being used by a 
shareware library to distribute YOUR-PLAN as a complete set of
files. 

If you wish to give a copy of YOUR-PLAN to friends etc., you 
should copy the following files in their entirety:

		
      YOURPLAN.ZIP (and YOURPLAP.ZIP, if supplied)

For further information about distributing YOUR-PLAN, please
refer to the Distributor Agreement and Form contained in the 
VENDOR.TXT file.  

The following files are contained within either YOURPLAN.EXE 
or YOURPLAN.ZIP: 

  yp.bat        plan.ovr      master.ass      your.hlp     
  your.exe      msherc.com    go.bat          vendor.txt
  readme.txt    manual.txt    tax.txt         money.txt
  register.txt  filelist.txt  enterass.txt    mmb.exe
  yourplan.ico  picprt.bat    readme.1st

Depending on the precise format in which you received YOUR-PLAN, 
you may also have received seven additional files (PICPRT.*) 
containing an utility for printing YOUR-PLAN's graphs. These may be
contained in a separate archive file (YOURPLAP.ZIP). Even if these
files are not present, you can still print graphs as will be 
explained when you start using YOUR-PLAN.

The text file FILELIST.TXT contains a list of all YOUR-PLAN's 
files with brief descriptions of their functions. If you have 
obtained a copy of YOUR-PLAN from an unknown source, take care 
that you have not also secured a virus !  Either, run a virus check 
or secure a copy directly from a reputable source.

If using a hard disk or single 3.5" disk, all the foregoing files 
should be kept together on the same disk/subdirectory. If using 
dual 5.25" drives, the following files MUST be located as follows 
on two disks:

	    DISK A                        DISK B
	    ------                        ------
	    yp.bat                        master.ass    
	    plan.ovr                      your.hlp
	    your.exe                      + any newly
	    msherc.com                    created assumption
					  files (*.ass) 
					  
Before starting to use YOUR-PLAN, we recommend that you review
this entire file either on-screen or, preferably, after printing
it. It includes brief instructions for loading YOUR-PLAN which
should enable you to start using the package. 

Another supplied text file (MANUAL.TXT), explains, in much more 
detail, how to load and use YOUR-PLAN. Because YOUR-PLAN is
very intuitive and contains very extensive 'on-line' help, you
may only need to refer to this file on an occasional basis.
However, you may wish to print it at this stage in order to
have it readily accessible for future reference, or if you get
"stuck",  or need detailed guidance on a specific issue.

We have also included with YOUR-PLAN a text file (MONEY.TXT)
which contains dozens of famous (and not so well-known)
quotations on the subject of "money". If you feel depressed
about your personal finances after using YOUR-PLAN, you should
have a look at MONEY.TXT. It MIGHT cheer you up !! We welcome
further quotations for inclusion in the next release of 
YOUR-PLAN. More seriously, have a look at Section 6.5 within
the manual text file (MANUAL.TXT) for some basic ideas on
utilising the output from YOUR-PLAN to improve your financial
planning and/or position.

If you pay income tax (who doesn't), refer to the tax text file
(TAX.TXT). This contains some additional quotes about taxation as
well as tables indicating basic tax allowances and rates for the 
UK and Irish tax regimes.

To print a text file:

 1.  Exit this file. 
 2.  Make sure your printer is 'on-line' and is supplied with 
     ample paper. 
 3.  Type "PRINT ??.TXT" at the drive prompt (e.g C:\your>)
     to which you have installed YOUR-PLAN and press the RETURN
     key in respond to a prompt about the name of devices.

	For example, type "PRINT REGISTER.TXT" to print the 
	supplied file containing the Registration Form.

To read a text file on screen:

  1. Exit this file. 
  2. Type "TYPE ??.TXT|MORE" at the drive prompt (e.g 
     C:\your>) to which you have installed YOUR-PLAN. The "|" 
     refers to the vertical bar/pipe symbol on your keyboard 
     (look for it in the lower left corner).

       For example, type "TYPE REGISTER.TXT|MORE" to display
       the supplied file containing the Registration Form. 

If you are using Windows, you can print or view the text files
using the Notepad accessory.

*****************************************************************

		  B - GENERAL INTRODUCTION
		  ========================

YOUR-PLAN is an easy-to-use software package for preparing a
personal budget and cashflow projections for six months ahead.
It can be used to improve the management of your finances by
forecasting your income and expenditure. The resulting budget
can then be used to improve your financial planning & control
and, ultimately, to save yourself money. 

For a more detailed and formal description of YOUR-PLAN, you 
should refer to the text file called VENDOR.TXT.

Based on your estimates and assumptions, YOUR-PLAN compiles a
detailed and summary budget for up to a six months ahead. It
also produces reports analysing the budget and detailing all
your underlying assumptions on income and expenditure. 
YOUR-PLAN incorporates facilities for graphing key results;
overwriting assumptions by actuals; undertaking 'what-if' 
analysis; and rolling-forward assumptions and projections one
month at a time.

YOUR-PLAN is very suitable for users with limited or no
prior experience of computers as well as for more experienced
computer users who do not wish to go to the very considerable
trouble, or to waste valuable time, developing their own 
planning system on a spreadsheet. Bear in mind that YOUR-PLAN
involved hundreds of hours of development and years of 
"know-how".

To run YOUR-PLAN you need the following system:
 
 * Industry-standard PC with DOS 3.30 or higher and a hard disk,
   or dual 3.5" or 5.25" drives. 
 * Conventional memory of 640k. 
 * VGA, GCA, mono, Hercules or LCD display (or equivalent). 
 
A printer (dot-matrix, ink-jet or laser) is desirable. You can 
run YOUR-PLAN as a DOS program within Windows (use the supplied
icon called YOURPLAN.ICO).

YOUR-PLAN complements the very many personal financial packages
currently available in the market. Most of these are basically
household accounts systems with only very limited budgeting
facilities. To our best knowledge, very few of them have any
dynamic planning capabilities, similar to YOUR-PLAN's. To 
produce any form of projections with most of these systems, 
you must first keep historic accounts. For many people, this is 
a pain in the ......  Most of us are much more interested in 
projecting our income/expenditure and making ends meet in the 
FUTURE, rather than in learning about the past ("water under 
the bridge", "closing the stable door after the horse has 
bolted" and that sort of thing).
 
Historic data is NOT required to use YOUR-PLAN. However, if you 
do happen to keep household accounts (either manual or 
computer-based), past data on income and expenditure patterns 
etc. should help you make more accurate projections for the 
future.

Features
--------
YOUR-PLAN's features include the following:

* Seven categories of income (salary for one wage earner,
  reimbursed work expenses, dividends, rent etc.).

* Facilities for handling salary deductions based on absolute
  amounts and simple percentages as well as different
  percentages related to bands and thresholds (as for PAYE 
  income tax) specified by the user. YOUR-PLAN is not
  restricted to any particular tax system or currency. Basic             
  information on current tax bands and rates for the UK and 
  Ireland is contained in a supplied file (TAX.TXT).

* Sixteen main expenditure groups (household, car,
  accommodation etc.) incorporating twenty-eight subgroups
  which can be defined by a user. 

* Facilities for planning credit card expenditure and payments
  and for calculating interest on any outstanding balances.

* Current and deposit accounts with facilities for calculating
  interest on the basis of specified interest rates, handling
  accrued interest and specifying interest payment dates.

Help
----
YOUR-PLAN is entirely menu-driven and incorporates very
comprehensive context-sensitive help facilities. These 
include extensive menu prompts, error trapping, on-line Help 
Pages, pop-up Hint & Guidance Windows, annotated variable 
descriptions and "drill-down" values. A very comprehensive 
manual is supplied as an accompanying text file (MANUAL.TXT).

Specification   
-------------
  Number of reports                               7    (13)*  
  Number of graphed variables                     18   (18)*  
  Approximate maximum number of user assumptions  530  (950)* 
  Approximate total number of built-in formulae   870  (1,600)* 

	* Numbers for PERS-PLAN given in parenthesis

Registration
------------
The idea behind shareware is to allow a user to evaluate a 
software package at minimal cost - "try-before-you-buy". 

YOUR-PLAN is NOT FREE software. If you decide that you would
like to retain and continue to use YOUR-PLAN after a 30-day
trial period, you must register with Invest-Tech, the author
and copyright holder. 

In return for registering, a user is licensed to continue
using YOUR-PLAN on one computer without any time limit.
In addition, a user automatically receives (at no extra cost)
a fully-operational copy of a much more powerful and comprehensive 
version of YOUR-PLAN, called PERS-PLAN, with its 90-page 
spiral-bound printed manual (incorporating tutorial exercises
etc.). You also gain access to full support for both products.

Further details about PERS-PLAN are given below and within 
YOUR-PLAN itself. (Practically all registrants immediately switch 
over from YOUR-PLAN to PERS-PLAN as soon as they receive the 
latter).

The Registration Fee is 29 (twenty-nine pounds sterling) or
US$40. If located outside the UK or Ireland, add 10% for shipping
etc. Cheques, drafts, international money orders, Eurocheques etc.
are all acceptable provided that they are denominated in pounds
sterling, US$ or Irish pounds. Payment can also be made by
credit card (Visa, Access, MasterCard or Eurocard).
 
Registration is via Invest-Tech Limited for Europe etc. and 
through "PsL" (Public software Library) for the US/Canada.

YOUR-PLAN contains a built-in Registration Form. Alternatively
you can use the Registration Form contained in the REGISTER.TXT 
file.

PERS-PLAN 
---------
PERS-PLAN, the version of YOUR-PLAN which is automatically 
supplied (at no extra cost) to all users on registering, includes 
many additional features and facilities:

  *  Covers a 12-month period with separate full-year reports
  *  Handles incomes, salary deductions etc. for one or two 
     wage-earners
  *  Much more extensive range of expenditure assumptions
  *  More function keys to facilitate data entry etc.
  *  Different printer set-ups can be used for monthly and
     full-year reports.

It is supplied with a 90-page spiral-bound manual. Note that
PERS-PLAN does not yet include the PICprint graph printing 
utility supplied with YOUR-PLAN - we are working on it. 
However, you can still print PERS-PLAN's graphs as will be 
explained when you run the package.

Invest-Tech Limited
-------------------
We are management consultants specialising in financial and
business planning software. Formed in 1983, Invest-Tech is a 
Registered Practice within the Institute of Management
Consultants in Ireland and the UK. Our banker is Bank of
Ireland, O'Connell Bridge, Dublin 1, and our auditors are
Deloitte & Touche, Dublin.

In addition to YOUR-PLAN and PERS-PLAN, our range of financial
planning software includes the following commercial products:

BANK-PLAN: 12-month cashflow planner for micro- and small-
	   businesses. Runs 'stand-alone' and with similar
	   general structure to YOUR-PLAN. Handles debtors,
	   VAT, creditors, expense payments etc. 60 (sixty 
	   pounds sterling or equivalent including VAT etc.)
	   
	   Note: These is a shareware version of BANK-PLAN.
		 Look for a file called BANKPLAN.ZIP or contact
		 your friendly shareware library.

CASH-PLAN: 4-week + 11-month cashflow planner for small/medium
	   sized businesses, subsidiaries of large companies
	   and corporate cash planning. Runs 'stand-alone' and
	   with similar general structure to YOUR-PLAN. More
	   powerful version of BANK-PLAN with additional
	   features and facilities. 115 (one hundred and
	   fifteen pounds sterling or equivalent including VAT
	   etc.)

EASI-PLAN: A comprehensive and fully-integrated financial planner
	   (P&Ls, cashflows, balance sheets, ratios etc.)      
	   covering 12-months plus 8 quarters. To our best                 
	   knowledge, no other package even remotely offers the 
	   same range of features or facilities for business and 
	   financial planning. Runs 'stand-alone' with similar 
	   general structure to YOUR-PLAN. 175 (one hundred and 
	   seventy-five pounds sterling or equivalent including 
	   VAT etc.)

FIN-PLAN:  Wide range of comprehensive and fully-integrated
	   financial planners (P&Ls, cashflows, balance sheets,
	   ratios etc.) covering 12-months plus 8/16 quarters. 
	   Versions are available to run on Lotus 1-2-3 (any
	   release for DOS or Windows), Symphony & SuperCalc. 
	   Extensive menus with numerous features and facilities. 
	   Easily expanded by user. 234 (two hundred and 
	   thirty-four pounds sterling or equivalent including 
	   VAT etc.)

Comprehensive descriptions, specifications and 'demos' are
available for each of the foregoing products.

Intending purchasers of these products who are registered for
VAT in any country (other than Ireland) within the European
Community can deduct VAT at 21% from the above prices PROVIDED
that they quote their VAT number at the time of ordering.

All purchasers from outside the European Community can also 
deduct the 21% VAT from the above prices but they should add 10%
to cover shipping by airmail etc.

*****************************************************************
 
		   C - HOW TO RUN YOUR-PLAN 
		   ========================

Refer to Section 3 of the MANUAL.TXT text file for more detailed 
instructions if you run into any problems.

Note that you can run YOUR-PLAN as a DOS program within Windows.

The following guidelines assume that you have already installed
(i.e. copied, unzipped, unarchived, uncompressed etc.) the
complete set of YOUR-PLAN files onto a hard disk, a 3.5" disk 
or two 5.25" disks (assumed to be called A and B).
  
If YOUR-PLAN has been installed onto a hard disk:

     a) Get into the sub-directory where you have installed
	all YOUR-PLAN's files. For example, if the sub-directory
	YOUR was used, type "CD YOUR" and press RETURN at the 
	DOS prompt.

     b) For general introductory information, type "GO".
     
     or
     c) For guidance on the syntax for loading YOUR-PLAN etc. 
	type "YP".
     
     or
     d) Type "YP MASTER" to load YOUR-PLAN along with a set of
	specimen assumptions in a file called MASTER.ASS (Make 
	sure that there is a single space between "YP" and 
	"MASTER"). 

	Make a working copy of MASTER. From the Main Menu, press
	F (for File), N (for New) and enter as file name (WORKING
	is recommended.

	By following the on-screen Hints and Guidance Notes and
	by accessing Help Notes and Help Pages, have a go at 
	building your first budget. Good luck !

If you are running YOUR-PLAN from a 3.5" drive:
	  
     a) Place the disk to which you have installed YOUR-PLAN
	into a drive. If necessary, switch to that drive by
	typing the drive designation followed by a colon,
	e.g. "A:" and press RETURN.

     b) For general introductory information, type "GO".
    
     or
     c) For guidance on the syntax for loading YOUR-PLAN etc. 
	type "YP".
     
     or
     d) Type "YP MASTER" to load YOUR-PLAN along with a set of
	specimen assumptions in a file called MASTER.ASS (Make 
	sure that there is a single space between "YP" and 
	"MASTER"). 

	Make a working copy of MASTER. From the Main Menu, press
	F (for File), N (for New) and enter as file name (WORKING
	is recommended.

	By following the on-screen Hints and Guidance Notes and
	by accessing Help Notes and Help Pages, have a go at 
	building your first budget. Good luck !

If you are running YOUR-PLAN from dual 5.25" disk drives:

     a) Place the two disks to which you have installed
	YOUR-PLAN (and, presumably, labelled as A & B) into 
	their respective drives. If you are unclear about the
	correct distribution of files on the two disks, refer
	to the Section called "A - Supplied Files" above for 
	guidance.
	
     b) For on-screen guidance about the syntax for loading 
	YOUR-PLAN etc. type "YP". 

     c) Switch to the drive with Disk A, e.g. type "A:" if this 
	disk was inserted in drive A, and press RETURN.

     d) Type "YP B:MASTER" to load YOUR-PLAN along with a set
	of specimen assumptions in a file called MASTER.ASS
	which should be on Disk B and is assumed to be located
	in the B drive (Make sure that there is a single space
	between "YP" and "B:MASTER"). 
     
     e) Make a working copy of MASTER. From the Main Menu, press
	F (for File), N (for New) and enter as file name (WORKING
	is recommended.

     f) By following the on-screen Hints and Guidance Notes and
	by accessing Help Notes and Help Pages, have a go at 
	building your first budget. Good luck !
 
****************************************************************

		    D - WHAT IS SHAREWARE ?
		    =======================

"Shareware" is a method of software distribution designed to
give users a chance to test a package before purchase at a very
competitive price. Copyright rules apply to shareware and the
authors retain all the rights except as indicated in their licence
agreements. As you will see from YOUR-PLAN, shareware does not 
signify cheap (in the nasty sense) or poor quality software.

Subject to the terms and conditions of our User Licence Agreement
(see below) and Distributor Agreement (see VENDOR.TXT), you are 
free to copy YOUR-PLAN for friends etc. provided that no charge 
is made and recipients are made aware of the need to register 
as users if they wish to retain the package. As all the supplied 
files must be copied in their entirety and without modification, 
we suggest that you only copy the archived files, YOURPLAN.EXE 
(with START.BAT) or YOURPLAN.ZIP (with YOURPLAP.ZIP), for this
purpose.

Shareware distributors, bulletin board and commercial on-line 
system operators are invited to become distributors of 
YOUR-PLAN and to list it for supply or downloading to their
customers or users. See the VENDOR.TXT file for further
information.

*****************************************************************
	
		   E - USER LICENCE AGREEMENT
		   ==========================

YOUR-PLAN is a "shareware" program. IT IS NOT "freeware", 
"public domain" software etc. You are granted a licence to use 
YOUR-PLAN only under the terms and conditions specified in this 
Agreement.

YOUR-PLAN is owned at all times by Invest-Tech and is fully 
protected by copyright throughout the world.

After a free initial 30-day trial period, every user who wishes
to continue using YOUR-PLAN must make a registration payment to 
the author, Invest-Tech. If you do not register, you must stop 
using YOUR-PLAN after the trial period. 

Once registered, YOUR-PLAN is licensed for use, without any time 
restriction, on one computer or at one network node by the 
registered user.  In return for registered, you will also receive
a copy of the latest release of PERS-PLAN (more powerful version
of YOUR-PLAN) with its printed manual. In addition, you gain 
access to support for YOUR-PLAN and PERS-PLAN  by mail, phone 
or fax for three calendar months following confirmation of 
registration by Invest-Tech. After this period, the provision 
of support will be at Invest-Tech's discretion. Unregistered 
copies of YOUR-PLAN are unsupported. 

YOUR-PLAN has been supplied strictly on the understanding that
the software and all its associated files and documentation
will not be translated, repackaged, replicated, dismantled, 
reverse-engineered or modified in any way. It must not be copied,
sold, transferred, lent, rented or leased to any user or third 
party except under the terms and conditions set out in the 
accompanying VENDOR.TXT file. If you copy YOUR-PLAN for friends 
to try, you must include all the files contained in YOURPLAN.ZIP,
and YOURPLAP.ZIP or YOURPLAN.EXE.

YOUR-PLAN must not be sold as "rackware" or used as a promotion or 
enticement for any commercial venture (including use as a "cover"
disk for a periodical) unless prior written approval has been 
secured from Invest-Tech.

YOUR-PLAN is supplied strictly on an "as is" basis and without
any warranty either expressed or implied as to merchantability,
performance, or fitness for any purpose.  The user must assume
the entire risk of using the program. Every user is advised to 
always test and check the output thoroughly before relying on 
its results or contents.  Invest-Tech accepts no responsibility 
and no liability whatsoever for any defects, errors or incidental
or consequential losses or damages associated either directly
or indirectly with its usage. 

Distribution and/or use of YOUR-PLAN signifies acceptance of
these terms and conditions. Violators of the copyright terms of
this agreement may be prosecuted.

Details of volume discounts, site licences and bundling prices 
for YOUR-PLAN and PERS-PLAN can be obtained by contacting 
Invest-Tech.

To register, use the Registration Form contained in the supplied
file (REGISTER.TXT) or the copy built into YOUR-PLAN (press "X"
from its Main Menu).

*****************************************************************

		  F - SOFTWARE REVISIONS
		  ======================

V1.0   16-NOV-1992
------------------
First shareware release of YOUR-PLAN. Based on PERS-PLAN,
a more powerful and comprehensive planner which YOUR-PLAN
users automatically receive on registering with Invest-Tech.  

V1.01  6-FEB-1993
-----------------
Minor changes to Help Pages & menu prompts. Improved display
for Liquid Crystal Displays.

V2.0   19-JUL-1993
------------------
Addition of the following:
  Graph printing utility.  "Roll-forward" facility. Pop-up 
  Guidance and Hint Windows.  "Drill-down" values.
We have also added the TAX.TXT, ENTERASS.TXT and MONEY.TXT 
files. 
Extensive changes have been made to the layout and contents 
of the README.TXT, VENDOR.TXT and MANUAL.TXT files. 

V2.1   5-DEC-1993
-----------------
This release includes details (in TAX.TXT) of the changes in UK 
income tax rates etc. announced in the November 1993 Budget and 
to take effect in the UK from April 1994.  The batch file called
GO.BAT was enhanced to include introductory screens and a menu
system for new users.

*****************************************************************
YOUR-PLAN (c) Copyright Invest-Tech Limited 1992, 1993   
All Rights Reserved

	  Invest-Tech Limited 
	  27 Ardmeen Park, Blackrock, Co. Dublin, Ireland

	  Tel:  283 4083 (24-hours)  Fax: 661 3130
 Dial codes: National:01- UK:010-353-1- International:+353-1-
*****************************************************************
To view this file page-by-page, type "TYPE README.TXT|MORE"

	      *** End of README.TXT file ***

