J&L Financial Planner(R) Version 3.4
Copyright (C) 1997-2000 J&L Software 
All Rights Reserved

Version 3.4 changes:

 1. Changed Trade Off dialog to calculate differences when Tax check box
    is checked.

 2. Corrected a problem created by a version 3.3 change involving the 
    "No Selection" option with account selection.

Version 3.3 changes:

 1. Changed the Fundamentals event to include the "No Selection" to 
    allow deleting an account rate change.

 2. Corrected a bug in the Results Folder which under certain
    circumstances created a duplicate folder.

Version 3.2 changes:

 1. Changed the accounts folder to better handle Windows font selection 
    other than "small fonts."

 2. Added the ability to sort any accounts folder column by clicking 
    the column header. 

Version 3.1 changes:

 1. Works with windows large fonts.

Version 3.0 changes:

 1. The addition of the Financial Compare program to allow comparing
    two or more financial scenarios.  

 2. The addition of the Trade Off Analysis to allow simple break even
    analysis on 2 or 3 alternatives.

 3. The addition of file history.
 
 4. Added the ability to toggle the graph legends to the front and to
    the back of the plots. Accomplished by pressing the "L" key on the 
    keyboard.  The legend may be removed by pressing the "N" key. To
    get the legend back press the "L" key.

 5. Double clicking on an event related item in the results folder
    will bring up the the event.  You can edit the event at this time.

Version 2.2 changes:

 1. An addition of a partial initial age option.

 2. Refinements to the graphs.

Version 2.1 changes:
 
 1. Some additions to the graphs.
 
 2. A correction to the output graph.

Version 2.0 changes:

 1. A rewrite of the user interface to be more like the Java version.
 
 2. Added an additional 3D graphing option. 


About the J&L Financial Planner:

The J&L Financial Planner is a fully functional
program.  There are no time limits or disabled
functions.  

The J&L Financial Planner is Shareware.
If you find the J&L Financial Planner useful 
please register the software for $20.00.

The J&L Financial Planner is freely distributable.

Registered users may contact J&L Software through
jwoomer@earthlink.net


The J&L Financial Planner was designed to develop
wide ranging financial scenarios such as:

  1.  Develop a savings strategy for retirement.

  2.  Develop a savings strategy for a child's 
      college education.

  3.  Develop a savings strategy for buying a home.

  4.  Show how various saving strategies are affected
      by life financial events such as mortgages
      and loans.

  5.  Show how net worth is affected by saving
      strategies, inflation, taxes, mortgages, loans,
      and other financial events.

  6.  Create trade-offs between mortgage options 
      including refinancing.

  7.  Perform what-ifs on numerous financial 
      parameters that affect savings and investments.

  8.  Understand the time value of money and the magic
      of compounding.
  
  9.  Helps you create viable options in your financial
      planning.

REQUIREMENTS:

  This version of the J&L Financial Planner requires Windows 95 or 
  Windows 98.

INSTALLATION:

  If you download a Zip file, you need to uncompress
  the zip file and run the SETUP.EXE file.

  If you download JLPLAN3.EXE -- it is a self extracting file.

WHY SHOULD YOU REGISTER?

  1. It's the right thing to do.
  
  2. We answer your emails.

  3. If it is possible we will customize a feature for you.


REGISTERING J&L FINANCIAL PLANNER

To register by cash or check:

Send the registration form with the cash or a check payable to J&L Software to:

		J&L Software
		P.O. Box 762 
		Frederick, MD 21701 USA.  

The amount must be in US dollars and the check must be drawn 
on a US bank.


To register by Money Order:


You can send international postal money orders in US dollars.
Make the money order out to J&L Software and send it to:

		J&L Software
		P.O. Box 762 
		Frederick, MD 21701 USA.  


REGISTRATION FORM

-----------------------------Tear Here--------------------------

You may pay with cash, check or a money order.

Make checks or money order out to J&L Software and send to:

        J&L Software
        P.O. Box 762 
        Frederick, MD 21701 USA.  

All orders are subject to the J&L Financial Planner License 
Agreement.

  Date:            _____________________________________________
  
  Name:            _____________________________________________

  Company:         _____________________________________________

  Address:         _____________________________________________

                   _____________________________________________
   
  City, State:     _____________________________________________


  Country:         _____________________________________________

  Day Phone:       _____________________________________________

  E-Mail address:  _____________________________________________


  J&L Financial Planner Single Copy ___ at $20.00 each =  ______

                       Maryland Residents add 5% sales tax: ____

                                             Total payment: ____




