Toronto (Jan. 18, 1994) - The Wealth Creator, RAM Technologies' financial
planning software, now brings the whole family into a planning picture
that is more automated than ever, RAM president Bruce Ramsey announced
today.

The Wealth Creator, designed for financial professionals and individual
investors, performs more than 45 financial calculations and permits
"what-if" analysis. It makes financial planning easy, even for the
novice.

The new version 5.0 permits both spouses and multiple children to be
included in a fully relational program. Fully relational means that
figures entered into the program in one calculation "slot" are
automatically entered in every other spot where they apply. This reduces
tedious entry tasks and speeds the work of producing a financial plan.

Moreover, the retirement planner now accommodates both spouses in automatic
calculations of government and company pension plans, and multiple
children can be included in the college education planner. (In earlier
versions, a separate plan had to be created for each spouse and child.)

Among the other improvements in version 5.0 of The Wealth Creator:

* Registered Retirement Income Fund tables and 
  systematic-withdrawal tables allow for lump-sum withdrawals 
  to be calculated for any point in time.
* All graphs have been improved and several new graphs have been
  added to help illustrate calculations better.
* There is an updated income-tax module
* There are more options for itemizing net worth statements and
  income and expenses
* The program can create and graph suggested asset mixes,
  labelled with custom titles
* There is an improved pop-up calculator and calendar
* The printer-driver selection is improved
* File-saving and backup are automated

In addition, The Wealth Creator, version 5.0, is compatible with MS-DOS 6.2
double-space compression.

RAM Technologies Inc
371 Bronte St, Unite 53
Milton, Ontario L9T 3K5 CANADA
905-876-4246

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