Easy Money Calc (TM) v1.0 Readme.txt 
Copyright (c) 1999 Robert C. Madsen
All Rights Reserved.

EVALUATION and REGISTRATION

	Easy Money Calc is not free software.  It is Shareware software and you are
	hereby licensed to use this software for evaluation purposes without charge
	for a period of 45 days.  A registration fee of $12 is required to use this
	software after the evaluation period.  Additional registration information
	is available within the program.  Unregistered use of Easy Money Calc after
	the evaluation period is in violation of U.S. and international copyright laws.

THE PURPOSE OF THE PROGRAM:

	This program helps you understand and plan personal financial matters
	such as your retirement and home mortgage loan.  It can be used for
	any savings or investment goal and for any loan you need to take out or
	finance.  You can use this program to calculate any one of the variables
	that make up an investment or loan scenario.

	For example: You may want to find out how much money you'll have if you
	start out with $10,000 and save $500 per month for 20 years and it grows
	at a rate of 12%.  The answer is $552,068.46.  Then, you may wish to see
	at what rate it would have to grow to reach $1,000,000.  The answer is
	16.49%

	You can keep an unlimited number of these scenarios and see them side by
	side on screen in order to compare them easily.  The examples above show
	only two of the many possible calculations this program will do.  You may
	also wish to find out what the real interest rate is that you are being
	charged when you buy that stereo on credit from the department store.

	For example: Say the price of the stereo is $1,150 and the store will
	finance the purchase for you at $29.95 per month for 5 years.  This program
	will tell you that given these inputs, you are being charged a 19.2%
	interest rate for this loan from the department store and that your total
	interest paid over the life of the loan is an additional $647!

	This program helps you be more accurate than other calculators.  It does this
	by using a correct interest rate for each month (or other time period) rather
	than simply taking the yearly interest rate and dividing it by the number of
	payments in a year.  For example: if you give a yearly interest rate of 12%
	and are making deposits each month, then most programs use an interest rate
	of 1% per month to calculate the monthly increase.  (12% / 12 months = 1% per
	month.)  However, because interest compounds, 1% per month for 12 months does
	not equal 12% per year.  It equals 12.6825%.  You give this program the yearly
	interest rate (or rate of return) and it will calculate the actual rate to
	use for deposits that are made multiple times per year.  Because of this,
	some financial calculators will come up with different results than this one.
	But now you know why this program is correct and the others are not.

	Whatever the scenario, whether it is a home mortgage or a savings plan, you
	can print out an amortization schedule to see the details of the loan or
	investment.  Or, you can print out the summary of several loan or investment
	scenarios that you have created in order to compare your options.

INSTALLATION

	Easy Money Calc requires some Visual Basic runtime files.
	These files must be present in the Windows system directory 
	(i.e. C:\Windows\System, or C:\winnt\system32 for NT) BEFORE running the setup
	program	for Easy Money Calc:

	MSVBVM60.DLL
	OLEAUT32.DLL
	OLEPRO32.DLL
	ASYCFILT.DLL
	STDOLE2.TLB
	COMCAT.DLL
	VB6STKIT.DLL

	If one or more of these files is missing, they can be downloaded from the Internet
	site http://www.simtel.net/simtel.net/win95/dll.html.  These files are found in the
	zipped file "simvb6-5.zip" which is self-installing.

	Install the VB runtime files per the instructions that accompany the download,
	then proceed with the Easy Money Calc installation as outlined below:

	1. Remove current installation of Easy Money Calc (if any) by following the
	   instructions in the "Uninstall/Removal" section.
	2. Start Windows Explorer and go to the directory where the software was
	   downloaded.
	3. If the downloaded ZIP file was not automatically decompressed during download,
	   then decompress the file using an unZIPping program.
	4. Verify the required files mentioned above are present in the Windows system
	   directory, then run SETUP.EXE by double clicking it.
	5. Follow the instructions of the setup program.

UNINSTALL/REMOVAL

	1. Click Start, select Settings then Control Panel.
	2. Double click the Add/Remove Programs icon.
	3. Select Easy Money Calc from the list of programs.
	4. Click the Add/Remove button to proceed with removal.

PROGRAM STATUS

	This program is shareware and is fully functional with a 45-day trial period.

4. Distribution status

	Freely distributable - no restrictions

5. Program's author

	Robert Madsen
	295 E. 1660 N.
	Orem, UT  84057
	robert.madsen@ps.net
	rmadsen@networld.com
	EasyApps@networld.com
