                    New Features Found in SolveIt! version 4.2

                 This describes SOME of the NEW FEATURES found in
                   version 4.x that were not in version 3.0/3.1.

          In general there is a new user interface. You can now go back and
          edit any input values prior to the calculation being made.  Also,
          the help system is MUCH more detailed. There is a separate help
          window for each and every input. The help system also discusses
          financial concepts. (The interface change was made with 4.0)

          Where applicable SolveIt! now supports up to 8 payment and 8
          compounding periods. Payment and compounding can be set
          separately. Periods supported are: Daily, Weekly, BiWeekly,
          Monthly, Quarterly, Semi-Annually, and Annually. (The Interest
          Due Routine also supports simple interest and continuous
          compounding.)

          In the loan routines, you can select Payment in Arrears (normal)
          or Payment in Advance (lease).

          The amortization table supports Normal, Rules-of-78's, U.S. Rule,
          Interest Only and Fixed Principal. 

          The table shows totals for the year (either calendar or fiscal)
          as well as totals from the origination date of the loan.

          The user can set the payment to be any amount. This allows a
          schedule with a balloon payment to be produced.

          Random extra payments of different amounts can be applied to
          principal on any payment due date.

          There is a summary window that will summarize the loan to any
          payment period. This summary will show the interest saved as the
          result of extra payments.

          There are now schedules for future value, present value and
          annuity payout.

          Interest rates may be adjusted on any payment date (loans) or any
          deposit date (Future Value).

          The deposits amounts can be adjusted in the future value schedule
          and present value of a series.

          In the annuity withdrawal routine, the withdrawals can be
          automatically increased by an inflation factor. This is
          appropriate when planning for retirement income and you wish to
          keep the same purchasing power throughout.

          Schedules can be saved as a text file so that you can later edit
          the results (bold face etc.) or load them into your word
          processor to include in a report.

          Version 4.2 add the Bond Routines i.e. Yields and Values. These
          routines are unique when compared to other bond calculators in
          that they allow you to optionally factor in taxes and/or inflation.
