MONEY MATH(TM), Financial Analysis Tools, Version 5.1 [ASP/ESC] 


PROGRAM DESCRIPTION

MONEY MATH for Windows brings you a comprehensive set of financial analysis tools in one package. No need for a different program for each calculation you want to do. Money Math has 19 different dialog boxes that perform over 60 financial calculations. Look at the following generic calculations available:

	Date Arithmetic
	Simple Interest
	Bank Discount
	Compound Interest
	Annuities: Loan, Save, Lease, Sinking Fund 
	Annuity with unequal payments
	Bonds: Corporate, Treasury
	Certificate of Deposit
	Discounted Cash Flow
	Loan Amortization (Schedules)

Specialized Worksheets perform multiple generic calculations to do the following complex tasks:

	Refinance Mortgage
	Prepay Mortgage
	Purchase Mortgage
	Income from Savings (Retirement Planning)
	Discounted Note

Your calculation results can be easily edited, printed, or saved to a file. There is a very good chance that you can use Money Math to help make your financial decisions.

The trial version of Money Math in this package is limited to a 15 day trial period and 5 uses. The program will become unusable afterwards. You are encouraged to purchase the registered version before the expiration time occurs. To purchase Money Math see the section below: 


HOW TO PURCHASE MONEY MATH

You may purchase Money Math for $26 US plus $4 for shipping and handling. Send a $30 check, money order, or credit card information to:

	Robert Lovell
	109 Amanda Drive
	Anderson, SC 29621-2406

	Phone:  (864)224-2474

For your convenience, an order form is included in the file ORDER.TXT. When you start Money Math, the first dialog box has a button on it titled, "Order". Clicking on this button will open the above file in the Notepad editor. Just fill out the form, print it, and send it with your check, money order, or credit card information to Robert Lovell.


BENEFITS OF PURCHASING

Purchasers will receive:

	Printed User's Guide
	Latest version of Money Math on disk
	Money back guarantee for 30 days 
	Free Technical support for 30 days
	Information on new releases and upgrades
	The purchase reminders and the limiting are removed
	Free update if suggested enhancements are accepted


SYSTEM REQUIREMENTS

Money Math requires a compatible PC computer with Windows 95/98/ME/NT4/2000/XP installed and running. The current memory in your computer should be adequate if you are able to use other Windows applications satisfactorily. The hard disk space needed is less than 1MB. 


MONEY MATH INSTALLATION

The Trial version of Money Math is available in either of the two file formats listed below:

	Momath8.exe or Momath8.zip

Each of these compressed archives contain all the files needed to install and use Money Math. The archive you have should be placed in a temporary folder such as c:\temp. Now, you are ready to install Money Math. Use the section below for the archive you have.

Momath8.exe
To install the program, click on the Start menu and select Run. Type the program location (folder) and file name in the dialog box that appears. Press the Enter key or click on the OK button, to begin installing the program. You can accept the install options suggested to achieve a standard install. You may want to save the compressed archive to a floppy disk for future use.

Momath8.zip
You will need the WinZip program to install Money Math from this archive. If you do not have it, download a trial copy from: http://www.winzip.com.

To install Money Math, click on the Start menu and select Run. Type the program location (folder) and file name in the dialog box that appears. Press the Enter key or click on the OK button, to start the WinZip program. Next, press the Install button or menu items Action/Install to run the Setup program within the compressed archive.

The Setup program should start to install the Money Math program. You can accept the install options suggested to achieve a standard install. You may want to save the compressed archive to a floppy disk for future use.


RUNNING MONEY MATH

Start Money Math by clicking on the Start menu and selecting the Programs menu item. Now, select the Money Math Trial menu and then select Money Math from the new menu displayed.

Selecting Exit from the File menu closes Money Math. You can also use the Alt+F4 key combination to do the same thing.


UNINSTALL MONEY MATH

To uninstall Money Math, click on the Start button, then Settings, and then click on Control Panel. Next, double-click on Add/Remove Programs. Find the Money Math Trial in the list that appears and click on it. Next, click on the Remove button.

You can also uninstall Money Math by clicking on the Start menu and selecting the Programs menu item. Now, select the Money Math Trial menu and then select Uninstall from the new menu displayed.


MONEY MATH DOCUMENTATION

All of the Money Math features are documented in Money Math Help and can be accessed from the program by selecting menu items Help/Help Topics.

All of the menu items are fully documented in Money Math Help including the 18 Calculation examples. The examples are available by selecting the Help/Examples menu items. Context sensitive help is available by highlighting a menu item and pressing the F1 key.

To get started, click on the Help menu then the Help Topics menu. Next, review the introductory items listed below:

	Overview of Money Math
	Financial Analysis
	List of Financial Calculations 
	Financial Problem Solving 
	Calculation Dialog Boxes 
	List of Examples
	Money Math Keyboard

The "Money Math Users Guide" will be sent to you when you purchase the software. It contains additional topics such as a first calculation tutorial, financial analysis fundamentals, and financial mathematics introduction.


TECHNICAL SUPPORT

Robert Lovell will provide free technical support to purchasers of Money Math for 30 days following purchase. Our mailing address and phone number are shown below:

	Robert Lovell
	109 Amanda Drive
	Anderson, SC  29621-2406

	Phone: (864)224-2474
	E-mail: support@officemath.com
	Web:    http://www.officemath.com


MONEY MATH LIMITED WARRANTY 

THIS SOFTWARE IS PROVIDED FOR EVALUATION ONLY, ON AN "AS IS" BASIS. ROBERT LOVELL 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 ROBERT LOVELL 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 ROBERT LOVELL 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 South Carolina and shall inure to the benefit of Robert Lovell 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 Anderson County, South Carolina. The parties hereby consent to in personam jurisdiction of said courts.


COPYRIGHT AND TRADEMARKS

Money Math is a trademark of Robert Lovell. The Money Math software is licensed property of Robert Lovell and is copyright(C) 1994-2001 by Robert Lovell. All rights reserved.

Windows, Windows95, Windows98, Windows ME, Windows NT, Windows 2000, and Windows XP are trademarks of Microsoft(R) Corporation.


TRIAL USE LICENSE

Money Math is a "Shareware program" and is NOT a public domain program.  Robert Lovell grants you a limited license to use this software for evaluation purposes. This software is protected and will become unusable after the stated time period and number of uses. All rights not expressly granted here are reserved to Robert Lovell.


LIMITED DISTRIBUTION LICENSE

Money Math may be distributed by any distributor via the Internet, BBS's, CD-ROM's, Disks, or other methods that do not tamper with the integrity of the archive. The distributor may charge a distribution fee but may not charge an end user for the software. This software is protected and will become unusable after the stated time period and number of uses.

ROBERT LOVELL may revoke any permission granted here, by notifying you in writing.  All rights not expressly granted here are reserved to ROBERT LOVELL.


SHAREWARE

Shareware is a distribution method, not a type of software. You should find software that suits your needs and pocketbook, whether it's commercial or Shareware. The Shareware system makes fitting your needs easier, because you can try before you buy. And because the overhead is low, prices are low also. Shareware has the ultimate money-back guarantee -- if you don't use the product, you don't pay for it.


ASP STATEMENT

Money Math is produced by a member of the Association of Shareware Professionals (ASP). ASP wants to make sure that the Shareware principle 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 157-F Love Ave., Greenwood, IN 46142 USA, FAX 317-888-2195, or send email to omb@asp-shareware.org.
