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FINANCIAL WIZARD (TM)

Version 5.5 Copyright (C) 1989-1993
SILVASOFT SOFTWARE, INC.
P.O. BOX 3401
Kingsport, TN. 37664

Financial Wizard is a program designed to help you get better control
of investment and loan analysis. It contains dozens of very powerful,
yet simple to use financial tools; a notepad, pop-up calculator,
calendar, and short-cut keys makes solving and analyzing most financial
problems a snap. Financial Wizard can solve most standard financial
calculations for future and present value, interest rate, amortization
and growth, depreciation, tax-free vs non-tax free yields, T-Bill
analysis, calendar and date calculations by simply inputing 2 or 3
options. Above all, Financial Wizard is very easy to use. Although you
are encouraged to read through this complete manual to become familiar
with all the options the program offers, the very intuitive nature of
Financial Wizard, with full mouse support and descriptive input screens
should make most users very confident in using the program within
minutes. Please remember that Financial Wizard is being distributed as
a SHAREWARE program. You are encouraged to test drive the program and
pass on copies to friends, upload to BBS's, etc. If you continue to use
the software after a 30 day trail period you should register your copy.
Please see additional information regarding SHAREWARE and Financial
Wizard registration at the end of this manual.

SilvaSoft holds all Copyrights to the Financial Wizard software series.
The distribution of this software whether by floppy disk, electronic
means or other must include both the executable program, "FINWIZ.EXE"
and this manual "FINWIZ.DOC". Registered users are offered many
benefits such as a free upgrade to next major release of program, phone
support, priority notification on future upgrades with option to
automatically have all future upgrades sent to you when available, etc.
Several major enhancements exist in your free upgrade to version 6.0 of
Financial Wizard. Retirement Planning, Investment Adjustments for
inflation, enhanced Savings and Withdrawal calculations, etc. Your
registration and support of this program will assure you future
upgrades and will allow Financial Wizard to continue to be enhanced
with new features.

==== GETTING STARTED ====

To start Financial Wizard type FINWIZ at the drive and directory
containing the program. Other options for loading the program may exist
depending on how your computer is configured, whether you use menu
software, etc. Financial Wizard is optimized for a color monitor and
will automatically configure itself for color. The program will work on
a 100% IBM compatible monochrome card.

If you are using a monochrome video card or Hercules monographics video
card you should load Financial Wizard with the "M" command line
parameter to configure the program for a monochrome display. Many non-
color laptops may also prefer to load Financial Wizard in Monochrome
mode.

FINWIZ M


*** Amortization Schedule Plus ***

The Amortization Schedule Plus is a very flexible financial planning
tool which can be used for both loans and investment analysis. If you
are just starting to work with Financial Wizard you may wish to try
some of the other options before mastering this section. You need only
enter information for any three of the four '*' options listed. The
Amortization program will automatically calculate for the unknown
value. If you choose to enter information for all four items, Financial
Wizard will calculate for time. (i.e. Number of Periods).

=== Example #1 -Home Loan

(Enter - 100000 for Principal, 10 for Interest Rate, 360 for Number of
Periods. M for payments are monthly) Note : The $100,000 home loan is
entered without using "$" or ",". Payment was left blank which
Financial Wizard automatically calculated to be $877.57, representing
the monthly principal and interest payment for the loan. A complete
amortization schedule is produced . Each months payment is broken down
by period, current principal, current interest, cumulative interest,
and unpaid principal. Using the HOME, END, Page Up, Page Down, Up Arrow
and Down Arrow Keys as well as the mouse on the selection scroll bar on
the right, we can quickly move around to any section in the
amortization table. The "ESC" key is a universal exit key for all
sections and all pop-up options in Financial Wizard. It will always
move you back to the previous selection. At the bottom of the
amortization table are function key selections F1-F6. If you would
like the amortization table to display periods in "month-year" format
rather that numerical periods (or "Year" format if only making 1
payment per year), then hit function key "F2" to pop-up the calendar.
Select day "15" of any Month/Year on the calendar to change format. The
calendar Month/Year combination you select will automatically start at
the first period from your selection. Additional information on
calendar options are covered in the calendar section of this manual.

Select day "1" of any Year/Month to return to numeric period count.
Your hardcopy reports will automatically print showing whichever period
format you have selected. Printing the schedule is available by
selecting the "F5" key to print. The default printer is assumed to be
"LPT1:". If you wish to have the amortization schedule printed on
either "LPT2:", "LPT3:" or "LPT4:", then you must load Financial Wizard
with a 2,3, or 4 parameter command to specify which printer you want
Financial Wizard to use. Example:

FINWIZ 2 <---- Sends output to Line Printer 2
FINWIZ 3 <---- Sends output to Line Printer 3

If your printer is unable to print for whatever reason, Financial
Wizard ignores your print request and you must try again after you have
corrected the problem with the printer. Up to five lines for a title
can be automatically placed on both the printed and filed amortization
schedule reports. To enter titles on your reports hit "F4" to select
the title window editor. The Editor used the same commands as the pop-
up notepad. If a file called "FWTITLE.FW" exists in the directory from
which Financial Wizard was loaded, then that file is automatically
loaded into the Title Editor. This allows you to produce reports that
have standard titles for company information, etc. You will still have
the option to customize any section of the Title screen while in the
Editor. Information in the title lines editor is retained for as long
as you continue the Financial Wizard session.

"F6" File, allows you to save copies of your amortization reports to a
file. The reports are save in the directory in which Financial Wizard
was loaded from. The default file name for saving is "FWAMORTZ.FW". You
may overwrite this name with other file names when saving your reports.
The files can then be loaded into other programs such as word
processors, etc.

=== Example 2 - Home Loan with Accelerated Payments

(Enter - 100000 for Principal, 10 for Interest Rate, 360 for Number of
Periods, M for payments made monthly, 1000 for Payment) From Example
#1, we know that our monthly payments for principal and interest would
be $877.57. We will run the same analysis but this time we will
accelerate the pay off date by paying $1000/month. The program will
ignore the value of 360 in number of periods, and will automatically
calculate the new time period. ( We could have left Number of Periods
blank). The amortization schedule will show that the loan will be paid
off in 216 months rather than 360 months. The total interest collected
on the 216 month loan will be $115,906.50 vs $215,929.80 for the 360
month loan. This example does show that a small difference in
accelerated payments, can make a very large difference in interest
costs. Of course, you would need to factor in tax mortgage deduction
benefits, plus the investment future value of the extra principal
payments to determine if accelerated payments are your best option. (As
you work with Financial Wizard, you will quickly see that it will
assist you in making those types of decisions.)

We have seen some of the loan capabilities that the Amortization
Schedule has. Now lets see why we added a Plus to the name. One very
unique feature of Financial Wizards' Amortization Schedule Plus is that
it allows you to perform investment growth analysis. Lets say that we
wish to start investing in an IRA. We will add $2000 per year for 30
years. We estimate that this IRA will return a 10% growth rate per
year. What is the estimated value of this investment after 30 years of
payments.

=== Example #3, IRA Growth Beginning of Period

(Enter: .0001 for Principal, 10 for Interest Rate, 30 for Number of
Years, Y for yearly payment, -2000 for Payment.) This example brings 2
new concepts to the Amortization Schedule Plus section in Financial
Wizard. A very small number (.0001) for Principal, and a negative
number (-2000) for payment. We have not previously made any deposits
so our principal is 0. The program will not allow you to enter 0 for
the principal so we trick it by entering a very small number. In this
example .0001 is 1/100th of 1 cent. We enter 10 for the yearly interest
rate and 30 for the number of periods. (We are making 1 payment per
year for 30 years.) Since we are depositing $2000 per year into a
growth investment rather than making a loan payment we place a minus in
front of the payment amount. Negative amounts entered for payments
automatically are considered amounts which you are adding to your
personal savings per period, and not loan payments.

The principal will increase, showing the growth of the investment.
Immediately after we make payment 30 the value of the investment will
be $328,988. You can track the value of the investment at any period in
time by looking at the report that is produced. This example assumes a
fixed interest rate of 10% and that all payments are made exactly one
year apart. The real world does not work this way. The point is that
it is very easy to run any of these examples and make corrections as
the situation changes. Financial Wizard is a tool. It will assist you
to better understand financial situations so that you can make informed
decisions for loans and investments.

In the example above the result for the period is shown immediately
after a payment is made. We have made our 30th payment and would expect
to have an IRA account valued at $328,988. What if we wanted to know
the value of the IRA at the end of 30 years rather than the beginning?

=== Example #4 IRA Growth End of Period

(Enter: .0001 for Principal, 10 for Interest Rate, 31 for Number of
Periods, Y for yearly payment, -2000 for payment) All we need to do is
add one additional period amount, 31 rather than 30. We would then look
at the number for the period we are interested in plus 1. (31 if we are
interested in 30, 16 if we are interested in 15). From the amount
listed for unpaid principal we would subtract 1 payment amount.

Period 31 = $363886.80 - $2000 = $361,886.80

The value of our IRA at the end of 30 years would be $361,886.91 (Note:
The Future Investment Value (Equal Payments) section of the program,
calculates this for you automatically.)

=== Example #5 Growth Investment starting with Principal

(Enter: 50000 for Principal, 10 for Interest Rate, 30 for Number of
Periods,Y for yearly payment, -2000 for Payment) Lets assume we have an
investment with a value of $50,000. We will be adding to that
investment $2000 per year for 30 years. What will the investment be
worth after you make your 30th, $2000 payment. (The investment is
expected to grow at 10% per year.) A complete report showing growth for
all year is produced. The investment would be worth $1,201,459. The
program makes the following assumptions: The principal amount is
compounded for the entire period. The value for the principal is shown
immediately after a payment is made for that period. In the example
this means that:

Period Current Interest Principal
1 5000 57000
2 5700 64700
3 6470 73170
...

For Period 1 we have $5,000 in interest. This represents 10% of
$50,000. The Principal amount is shown based on $50,000 (Original
Principal) + $5,000 (interest) + $2,000 (Payment) = $57,000. For Period
2 we have $57,000 + compounded interest rate of 10% = $5,700 (interest)
+$2,000 (Payment) = $64,700

=== Example #6 - Retirement Planning, Etc.

(Enter: 1000000 for principal, 8.25 for interest rate, 20 for number of
periods,"Y" for Payment is Yearly, 90000 for payment.) Lets assume that
you have accumulated income producing investments worth $1 Million
dollars. You have just retired and have decided that you will be taking
$90,000 per year from your million dollar savings. You will be
removing money from the principal so you enter $90,000 as a positive
number for payment. Your savings is growing at a rate of 8.25% per
year. You would like this amount to last for 20 years. The $90,000
payments are made at the end of each compounding period. Once you
receive your 20th payment you would still have $647,131 remaining in
principal. Taking $90,000 per year from an investment growing at 8.25%
would require 32 years to exhaust the principal. (Your 32 year payment
would be $31,960.22 made up of $29,525.38 principal and $2,435.84
interest payment.)

The examples above cover both loans and investment opportunities. These
are real life problems which we all face in handling our finances. Many
different types of examples could have been shown. It is hoped that
these examples have given you ideas on how to apply this program to
your particular needs.

*** Loan Payment Amount ***

This option will calculate your payment per period on a loan. For
example lets assume that you have just bought a new car and are
financing $11,500 for 48 months with an interest rate of 12.5% per
year. We want to know what our monthly payment will be. (Enter: 11500
for principal, 12.5 for interest, 48 for number of months) Payment for
principal and Interest would be $305.67.

*** Tax-Free vs Non-Tax Free Yield ***

This section will allow you to compare Tax-Free vs Non-Tax Free yields.
As an example lets assume that we are in the 28% Tax bracket and have
been presented with two investment options. One option is a tax free
investment yielding 6.67%. The second investment yields 9% but is
taxable at our marginal tax rate. Which investment offers the better
net yield? (Enter: 9 for Yield, 28 for Marginal Tax Bracket, Y for is
Yield Taxable) The answer, 6.48% non-tax equivalent for a 9% taxable
investment shows that the non-taxed investment of 6.67% is the better
investment since it has a higher yield.

*** Straight Line Depreciation ***

IRS regulations are very specific on which methods must be used for
depreciating business equipment. A business however, is free to use any
number of methods for internal evaluation and other non-tax purposes.
Lets assume a company purchased a $20,000 piece of equipment. After 5
years the equipment is estimated to be worth $3,000. Straight Line
Depreciation would result in $3,400 being depreciated per year for 5
years. (Enter: 20000 for Asset Cost, 3000 for Salvage Value, 5 for
useful life in Years.)

*** Double-Declining Balance Depreciation ***

This method uses an annual depreciation ration equal to double the
straight line ratio. This ratio is then multiplied by the undepreciated
book value for the asset. (Enter: 20000 for asset cost, 5 for Useful
Life, 0 for salvage value) A table is displayed showing the
depreciation over the life of the asset and remaining book value per
year.

*** Sum-Of-the-Years'-Digits Accelerated Depreciation ***

The Sum-Of-the-Years-Digits Accelerated Depreciation assumes an asset
is used more often in the earlier part of its useful life. (Enter:
200000 for Asset Cost, 0 for Salvage Value, 15 for useful life.) A
table is displayed showing the depreciation over the life of the asset
and remaining book value per year.

*** Future Investment Value (Equal Payments) ***

This section will calculate future values for equal payments at the end
of a period. Future investment values for equal payments has been
upgraded from earlier versions of Financial Wizard. You may now input a
starting balance for your investment that is automatically added to the
compounding periods while you continue to make equal payments. This
value may be left as 0, which will allow Financial Wizard to calculate
equal payment future values the way it did with previous version of the
program. (Enter 120000 for Initial Investment, 7 for Annual Interest
Rate,30 for Number of years to compound, 700 for amount added to
investment per period, and M to indicate that the $700 payment per
period is made monthly.) Your future investment for this situation is
calculated as being $1,832,940.95 of this amount $1,460,940.95 is due
to compounded growth from the investment.

*** Future Value One Payment ***

This option allows us to calculate the growth of an investment based on
a single payment over time. Let's assume we have $50,000 which we can
lock into a rate of 9.25% per year for five years. We wish to know what
the value of this investment will be at the end of 5 years. (Enter:
50000 for amount, 9.25 for Interest Rate, 5 for Periods) At the end of
5 years the investment will have a value of $77,817.49.

*** Number of Payment for Future Value ***

Lets assume we have set a goal of saving $50,000. Once a month we will
add $500 to a savings account which is paying 9.25% interest yearly.
How long will it take to reach our savings goal? (Enter: 50000 for
Future Value, 9.25 for Yearly interest rate, 500 for Payment, M for
amount added monthly.) It will take 74.4 months to reach our goal of
saving $50,000.

*** Interest Rate for Future Value ***

We wish to have $40,000 grow to $50,000 within 2.5 years. What interest
rate will that require ? (Enter: 50000 for future Value, 40000 for
Present Value, 2.5 for number of years) Required interest rate would be
9.3362%

*** Time Periods for future value ***

We have $40,000 which is earning 10% per year in an investment. We
would like to know how long it will take before this investment will be
worth $50,000. (Enter: 50000 for Future Value, 40000 for Present Value,
10 for interest Rate.) It will take 2.34 years.

*** Present Investment Value (Equal Payments) ***

Present value calculations allow us to consider the time value of money
when comparing investment opportunities. Lets assume we were offered an
investment which would pay $1050 after 1 year if we invest $1000 today.
We also know we could purchase a 1 year CD from a bank yielding 7.5%,
which in turn would turn your $1000 investment into $1,075 dollars
after 1 year. In this simple example we can easily see that the bank CD
is a better investment. To calculate the value of an investment we
discount the interest rate growth component. If we know at the end of
1 year that our investment will be worth $1050 and that a discount rate
of 7.5% exists, then to calculate the present value for that investment
do the following: (Enter: 1050 for payment, 7.5 for Discount rate, 1
for Number of Periods). The present value for the $1050 yield
investment is $976.74. Since we need to spend $1000 to get this
investment, but the present value for the investment is less than
$1,000, we can conclude that we have a better investment option by
going with the bank CD.

The last example was very obvious as to which investment is preferred.
Let's say that you are promised 5 annual payments of $25,000 per year
for a total of $125,000. You also know that you can get 11% return on
your money with another investment (Discount rate 11%). What is the
present value for this investment? (Enter: 25000 for Payment, 11 for
Discount Rate, 5 for number of periods).

The present value for this investment is $92,397.42. This is the
highest amount of money you should consider investing to get the
promised return of $25,000 per year for 5 years. We assume that the
first payment will be made after one year (end of period). If the first
payment is made immediately, where you do not need to wait 1 year, then
its present value is $102,561.14.

*** Present Investment Value (One Payment) ***

You are presented with an investment opportunity which promises to pay
$100,000 after 5 years if you invest $65,000 today. You can earn 10%
per year with another investment. Should you go with this investment
assuming both investments carry the same risk level? (Enter: 100000 for
Payment, 10 for Discount Rate, 5 for Number of years) The present value
for this investment is $62,092.12. You would be overpaying on this
investment by nearly $3000.

*** Present Investment Value (Perpetuities) ***

The perpetuities calculation for present value is used to determine
what amount of money is required to generate a perpetual fixed income
at a fixed interest rate. (Enter: 60000 for Payment per year, 8 for
discount rate) $750,000.00 would be the present value for this
perpetuity. We never touch any of the principal amount of our savings
on a perpetuity. Payments in "theory" will last forever.

*** Stock Dividend Yield Percent ***

The dividend yield of a stock is calculated by taking the total
dividend a stock has paid over a year, divided by the market price for
a share of the stock. Dividends represent an investment return which
can be compared with other investment opportunities. They should not be
the only consideration in evaluating a stock but have significant
impact when investing for income. (Enter 2.00 for the dividend,This
stock paid $2.00 in dividends over the last year, enter 39.30 for Price
of Stock.) The dividend yield for this stock would be 5.089%

*** Stock Discount Rate ***

The discount rate for a stocks paying dividends can be calculated
by using the formula : Discount Rate = (Dividends/Price of Stock) +
Growth of Dividends. Lets assume that a company pays a $5 per year
dividend on a stock selling for $50 per share. The dividend from this
company has been increasing at 10% per year. The discount rate for this
investment would be 20%. By rearranging the equation above we can
devise a Stock value per share formula for stock investments which only
consider dividend payments, discount rates, and historical dividend
growth rates.

*** Stock Value per Share ***

Value of Shares = Dividends/(Discount Rate - Growth of Dividends) By
carefully studying the stability of Dividend payments, the historical
growth rate, as well as risks associated with a stock, investors can
help determine the value of a stock. A stock paying $5.00 in dividends,
growing at 10%, and having an assigned discount rate of 20% is worth
$50.00. (Enter: 5 for Dividend, 20 for Discount Rate, 10 for growth of
dividends)

*** Treasury bill Earnings ***

Treasury bills are sold at discount from face value. The minimum
denomination is $10,000. Bills are issued in maturities of 13, 26, or
52 weeks. The face value of the bill is payable at maturity. (Enter
10000 for face value of bill, 7.5 for discount rate, 180 for number of
days since issue date) The earnings of this treasury bill would be
$375.00. The formula used to calculate treasury bill earnings is shown:
Earnings = (Discount Rate * Face Value) * (Days till Maturity/360)
NOTE: Treasury Bills use a 360 day per year calendar.

*** Treasury Bill Investment Rate ***

The treasury investment rate is similar to calculating an investments
annualized effective yield. (Enter 10000 for face value of bill, 9500
for purchase cost, 180 for number of days till maturity) The annual
investment rate would be returned as 10.672%. This value allows you to
compare the T. Bill return with other investments on an annualized
return rate.

*** Days between two dates ***

This feature uses a pop-up calendar to allow you to select dates. Use
the enter key to select whichever date you are on for both starting and
ending dates. Page Up, Page Down, Ctrl-Page Up, Ctrl-Page Down, Up
Arrow, Down Arrow, Left & Right Arrow, Home and End Key as well as a
mouse can call be used to quickly navigate through the calendar. Using
the calendar for starting date select May 5, 1958 and hit enter. Next
select 11-11-1990 for the ending date. Total number of days between
these two dates is 11,878.

*** Date Addition or subtraction ***

Select your starting date using the same procedure outlined above in
the Days between two dates section. When you are prompted to enter days
to add or subtract enter a positive or negative number of days.
(Enter: 11-11-1990 for starting date, 180 for number of days to add.)
The program will respond with a calendar showing 05-10-1991 as the
highlighted date.

*** Calendar ***

The calendar can be controlled by using the following keys: Page Up,
Page Down, Ctrl-Page Up, Ctrl-Page Down, Up Arrow, Down Arrow, Left &
Right Arrow, Home and End Key as well as a mouse. The use of these keys
becomes obvious when you test them while in the calendar or in one of
the programs used by Financial Wizard that use calendar functions.

*** Calculator ***

This is a standard 4 function calculator. Hit (H) key for help. The
calculator supports 10 memory save and restore options. Values in the
calculator can automatically be posted to Financial Wizard input fields
by using the ALT-F (Automatic Feed Option). In some instances the
automatic feed will not work if the calculator determines that it can
not accurately represent the number to copy to your input field. This
should only occur if too many decimal places are involved in a
calculation. Another feature of the calculator is the ability to
reposition itself on your screen by holding down the Ctrl key and
either the Left or right arrow key. (CTRL-Left or CTRL-Right). Using
the memory store and recall feature of the calculator, you may be able
to save time by not needing to rekey the same number in different
section of Financial Wizard.

*** Notepad ***

The notepad allows you to keep notes on the program outputs, etc. It is
a freeform text editor and supports automatic word wrap. Up to 50 lines
of text may be entered in the Notepad. All entered information is
always available during the Financial Wizard session. Page-Up, Page-
Down, Home, end, up arrow, Down Arrow Key, etc. are all supported
within the Notepad. CTRL-Y will automatically erase the entire line
that you are on within the Notepad.


**** Financial Wizard Released as SHAREWARE ****

Shareware distribution gives users a chance to try software before
buying it. If you try a Shareware program and continue using it, you
are expected to register. Individual programs differ on details -- some
request registration while others require it, some specify a maximum
trial period. With registration, you get anything from the simple right
to continue using the software to an updated program with printed
manual.

Copyright laws apply to both Shareware and commercial software, and the
copyright holder retains all rights, with a few specific exceptions as
stated below. Shareware authors are accomplished programmers, just like
commercial authors, and the programs are of comparable quality. (In
both cases, there are good programs and bad ones!) The main difference
is in the method of distribution. The author specifically grants the
right to copy and distribute the software, either to all and sundry or
to a specific group. For example, some authors require written
permission before a commercial disk vendor may copy their 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.

DISCLAIMER - AGREEMENT

Users of Financial Wizard must accept this disclaimer of warranty:

"Financial Wizard is supplied as is. The author disclaims all
warranties, expressed or implied, including, without limitation,the
warranties of merchantability and of fitness for any purpose.The author
assumes no liability for damages, direct or consequential, which may
result from the use of Financical Wizard."

Financial Wizard is a "shareware program" and is provided at no charge
to the user for evaluation. Feel free to share it with your friends,
but please do not give it away altered or as part of another system.
The essence of "user-supported" software is to provide personal
computer users with quality software without high prices, and yet to
provide incentive for programmers to continue to develop new products.
If you find this program useful and find that you are using Financial
Wizard and continue to use Financial Wizard after a reasonable trial
period, you must make a registration payment of $25 U.S. Funds plus $3
shipping and handling to SilvaSoft. The $3 S&H fee covers your free
upgrade to version 6.0 of Financial Wizard which will be sent to you
immediately. The $25 registration fee will license one copy for use on
any one computer at any one time. You must treat this software just
like a book. An example is that this software may be used by any
number of people and may be freely moved from one computer location to
another, so long as there is no possibility of it being used at one
location while it's being used at another. Just as a book cannot be
read by two different persons at the same time.

Commercial users of Financial Wizard must register and pay for their
copies of Financial Wizard within 30 days of first use or their license
is withdrawn. Site-License arrangements may be made by contacting
SilvaSoft.

Anyone distributing Financial Wizard for any kind of remuneration must
first contact SilvaSoft at the address below for authorization. This
authorization will be automatically granted to distributors recognized
by the (ASP) as adhering to its guidelines for shareware distributors,
and such distributors may begin offering Financial Wizard immediately
(However, SilvaSoft must still be advised so that the distributor can
be kept up-to-date with the latest version of Financial Wizard).

You are encouraged to pass a copy of Financial Wizard along to your
friends for evaluation. Please encourage them to register their copy
if they find that they can use it. All registered users will receive
the upgraded version 6.0 of Financial Wizard with a printed manual.

*** A.S.P. Ombudsman Statement ***

This program 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
545 Grover Road, Muskegon, MI 49442 or send a CompuServe message via
CompuServe Mail to ASP Ombudsman 70007,3536 or FAX 616-788-2765.


Manuel A. Silva
SILVASOFT SOFTWARE, INC.
P.O. BOX 3401
Kingsport, TN. 37664
(615) 247-7551