Debt Freedom Calculator Version 3.0


Requirements:   Windows 95 or Windows NT 4.0

Installation:   Unzip the debt.zip file and run the setup.exe program

                To Uninstall, go to control panel and start add/remove programs.
                Select Debt Freedom Calculator from the list and click on Add/Remove.

Description:    Debt Freedom Calculator is designed to help people get out of debt 
                through the most efficient means possible. It calculates 
                three different payoff scenarios: highest rate, smallest
                balance, and smallest (balance to monthly ratio). The user
                can apply all three and see which one provides the best way
                of getting out of debt while paying the least amount of interest
                in the shortest possible time.

How to Use:     You must enter the name, balance, interest rate, and
                minimum monthly payment for all your outstanding debts. You 
                also have the ability to put in a delayed start time for those
                debts you are not currently making payments on such as those
                "no payments till 99" deals on new cars.   
  
                You enter each debt information by right-mouse clicking in the 
                white space in the upper left of the main window. A menu will 
                pop-up and you can select "Add New Debt" to bring up a new
                window where you will be able to enter the debt information.
                You repeat the process until you have entered all of your debts.
                If you make a mistake you can right-mouse click on the debt in
                question and choose "edit" or "delete" from the menu.
             
                After you have all the debt information entered, right-mouse
                click in the white space in the upper left and select "Extra Money".
                If you have any extra money left over at the end of the month 
                after paying bills and you want to use that to accelerate paying
                you debts you would enter that amount here. If you have no extra
                money then you can skip this step.                                                              
                Finally, select one of the payoff priority methods and click on
                the button in the upper right that says "calculate". 

Registration:   Debt Freedom Calculator is shareware. You may download, upload, and 
                copy this shareware version AS IS for evaluation. It may
                not be sold.

                If you enjoy Debt Freedom Calculator, please register. Registered users
                will have the ability to print and export the payoff data to a
                tab delimited file that just about any spreadsheet program can read.
                They are also entitled to free upgrades as they are made available.
                
                To register by US Mail, send $10.00 US Check/money order/currency,
                and the PRODUCT KEY(this appears in the registration window) to:
                          Lee Leavenworth
                          691 Laurel Lake Ct #304
                          Orlando, FL 32825

                I will send you the Registration Number by either email or postal mail,
                which ever you prefer please include your address or email information.

Disclaimer:     LIMITED WARRANTY
                THIS SOFTWARE AND MANUAL ARE PROVIDED FOR EVALUATION ONLY, ON AN "AS IS"
                BASIS.  LEE LEAVENWORTH DISCLAIMS ALL WARRANTIES RELATING TO THIS SOFTWARE,
                WHETHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED
                WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER
                LEE LEAVENWORTH 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 LEE LEAVENWORTH HAS BEEN ADVISED OF THE 
                POSSIBILITY OF SUCH DAMAGES OR CLAIMS.  THE PERSON USING THE SOFTWARE 
                BEARS ALL RISK AS TO THE QUALITY AND PERFORMANCE OF THE SOFTWARE.

                This agreement shall be governed by the laws of the State of Florida and
                shall inure to the benefit of Lee Leavenworth 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 Orange County, Florida. The parties hereby consent to in personam
                jurisdiction of said courts.

Comments:       Send comments, questions, or ideas to:
                          seren@magicnet.net 