                      THE DEBT ANALYZER for WINDOWS (C) 1994
                            Version 1.03,  May 10, 1994
                   Suggested BBS name, this version: WDT103.ZIP

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                           REQUIRES WINDOWS Version 3.1
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           A shareware software package from Insight Software Solutions
             Mailing Address: P.O. Box 354, Bountiful, UT 84011-0354
                 Phone: (801) 295-1890     Fax: (801) 299-1781
                 BBS:   (801) 963-8721     CIS: [71672,3464]
                            Author: Michael D. Jones

  Installation: Run "SETUP" off the floppy disk from the Windows File Manager
       Example: if the disk is in drive A: then do the following:
                1.  Press Alt-F in the Windows Program Manager
                2.  Select "Run"
                3.  Enter "A:\SETUP"
                4.  Press Enter and following instructions

                     The Debt Analyzer - Program Overview
  
  HOPELESSLY IN DEBT?  Need a systematic way to rid yourself of it?  The
  Debt Analyzer is the answer!  A financial software program designed with
  ease and flexibility, it is the perfect tool to help reduce and eliminate
  debt.  Debt reduction is illustrated through a debt elimination schedule
  or through loan consolidation. Up to 20 debts can be processed at one time.   
  
  The debt elimination matrix works by analyzing all debt information and
  assigning a priority to each debt. Debt information includes minimum 
  payments, current payments, interest rate and loan balance.  Once a debt is
  paid off, the payment for that debt is applied to the next highest priority
  debt--accelerating the payoff of the debt! You may choose to have the
  difference between the current payment and the minimum payment shuffled
  around and applied to the highest priority debt. You may also choose to add
  an additional monthly amount to your payment--increasing the acceleration 
  even more! It is the payment acceleration which results in significant
  interest savings.
  
  You may prioritize the payoff of your debts in any user specified order. 
  However, there are 9 predefined priority methods available. These include
  "Highest Interest Rate First", "Smallest Balance First", "Largest Balance 
  First", "Smallest Minimum Payment First", "Largest Minimum Payment First",
  "Smallest Current Payment First", "Largest Current Payment First",
  "Shortest Term Debt First" and "Longest Term Debt First".
  
  Loan consolidation illustrates the savings that can be incurred by 
  combining all your high rate debts to one lower rate loan. The term or the
  payment of the consolidated loan may be specified or the total of all other
  debt payments can be used. 
    
                     The Debt Analyzer - Program Features

Debt Elimination                        Consolidated Loan
  Up to 20 debts                          Up to 20 debts
  Payments                                Select Term of Loan
    Minimum Payments                      Select Payment To Make
    Current Payments                      Use Sum of Debt Payments
    Accelerated Payments                  Current Debt Summary
  Prioritize Debts                          Months To Pay
    Highest Interest Rate First             Interest To Pay
    Smallest Balance First                  Interest Saved With Consolidation
    Largest Balance First                 Consolidated Loan Schedule
    Smallest Minimum Payment First
    Largest Minimum Payment First       Reports
    Smallest Current Payment First        Schedules, Reports and Summaries
    Largest Current Payment First         Calendar or Fiscal Year
    Shortest Term Debt First              Cumulative or Non Cumulative
    Largest Term Debt First               Whole Dollars or Exact Cents
    User Defined                          18 Date Formats--International Incl
  Debt Payoff Schedule                    
  Debt Payment Schedule                   
  Debt Payment Chart                      
  Debt Payment Summary
    Months To Pay                       
    Months Saved                        
    Interest Paid                       
    Interest Saved                

                              What is Shareware?

  Shareware is a marketing concept in which copyrighted software products
  are distributed by allowing and encouraging duplication of the program 
  for evaluation by interested parties.  As a recipient of a shareware 
  program, you are granted the right to use the program for a short period
  to determine if it meets your needs.  The program developer receives
  payment from the users after they have determined that the product meets
  their needs.  The motivation for making payment for a shareware program
  is honest payment for a valuable tool, desire for support, updates,
  enhancements and documentation, and to help encourage shareware authors
  to produce additional quality programs.

                             Program Registration

  The Debt Analyzer can be registered with Insight Software Solutions
  with a check, money order, VISA or MasterCard in the amount of $15.00 U.S.
  plus shipping and handling.  A "PLUS" version is available for $25.00.
  Please refer to the address and phone numbers listed above.  Upon receipt,
  Insight Software Solutions will send you the latest version of the product.
  Please note that the "PLUS" version comes with a printed manual. Once
  registered, you will receive notification of major updates and new products.
  Registration includes a 90 day support policy where free updates will be
  provided for major problems. If a problem cannot be resolved, then a refund
  of money will be made.

                              Program Support

  Insight Software Solutions offers support through the mail, phone, fax  
  and BBS. Please refer to address and phone number above.  Our official 
  support BBS is the Rocky Mountain Software BBS (RMS).  RMS can be reached
  24 hours a day at (801) 963-8721 where a conference dedicated to us can
  be found.  Our latest software products and versions, bulletins, news and
  message system are located on RMS. RMS accepts modem baud rates of 1200
  to 38400.

  **************************************************************************
  * Insight Software Solutions is a member of the Association of Shareware *
  * Professionals (ASP).  ASP wants to make sure that the shareware        *
  * principal 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 or send a CompuServe message via   *
  * CompuServe Mail to ASP Ombudsman 70007.3536.                           *
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