PERSONAL FINANCE FORECAST
                    Version 1.3
             For Windows 98/ME/NT/XP/Vista/7/8
                 ( by Vinny Graphics )


INTRODUCTION
The Personal Finance Forecast software allows financial
analysis in the privacy of your own home. The package is
driven by a financial math model that forecasts annual
cash flow and net worth. It can be used for all age 
groups and should appeal to both professional and 
non-professional planners. Data entry is made easy by 
instructions on each page. Information can be entered
in any order and intermediate results can be obtained 
at any time. The major financial assumptions can be 
modified if desired. The program can help the user 
answer questions such as:

1-When should I retire?
2-Should I buy a home?
3-How often should I replace my cars?
4-Can I afford to pay for college?
5-Where am I spending my money?
6-What changes should I make to retire early?
7-Can I afford to give a major gift to my children?
8-Will I run out of money? When?

The user will be asked to enter a snap shot of their 
current financial situation and their future plans. The
program uses this data to forecast expenses, income and 
net worth as a function of user age. Estimates include
the effects of inflation, home purchases, salary growth, 
pensions, social security, investment growth, automobile
purchases, educational expenses, income taxes and tax 
deferred distributions just to mention a few.   

RECOMMENDED  USE
This program is recommend for any planner who wants 
to estimate long term personal annual cash flow and net
worth.  

ZIP PACKAGE CONTENTS
The zip package [vplan.zip] contains eleven files:
1-Readme.txt    (This file)
2-install.exe   (The install file)
3-vplan.hlp     (Program WIN32 help file) 
4-Help_HTM.htm  (Program HTML help file) 

PROGRAM INSTALLATION
Make sure that before you install Personal Finance Forcast
all files have been extracted from the zip package 
[vplan.zip]. If you click on [install.exe] from within 
the zip package an installation ERROR may be generated.

After the extraction is complete click on the 
[install.exe] file. It will install all program files in
a directory of your choosing. The install file will also
create a Windows start menu item, optionally install a 
desktop icon and register the [.plan] extension with the
main program file [vplan.exe]. If you use the installation 
program you can use the [uninstall.exe] file to clear the 
installation.

FIRST USE
When the program is first used it automatically opens the 
the sample file [Double.plan]. Section 25 in the program 
[Window|Help] file offers an expaination of [Double.plan]
and of the five other sample plans. If you want to view
the samples and use the the help file make sure they are
in the same directory as the main program file [vplan.exe].

HELP
The program has instructions on each data entry page and
in addition has a context sensitive help system. You can
strike the [F1] key at any time to activate the context
sensitive help or click on the [Window|Help] menu item.
If you need more help contact the author via email. His 
email address is given below. The context sensitive help
may not work when used with Windows Vista. An HTML file
[Help_HTM.htm] is provided which can be accessed from the
[Start Menu][Vinny Plan] or from inside the the program
using the main menu [Window][Help HTM].

REGISTRATION INSTRUCTIONS
Personal Finance Forcast program offers a 5 day free trial period. 
Before it ends, email Vinny Graphics at address below and request an
activation code. You will also have to go to the Personal Finance 
Forcast product page and click on the "Buy Now" icon. You can 
reach the product page by using the URL below or the Vinny Home Page 
button. This will allow you to purchase a Personal Finance Forcast
license for ($5) using  PayPal or any major credit card. As soon at 
the payment is received a Personal Finance Forcast activation code 
will be emailed to you.
 
ABOUT THE AUTHOR
The author is a retired engineer.  He lives in
Bolton, CT. If you have any questions or comments,
contact him at one of the addresses listed below.  

MAIL ADDRESS
Vincent J. Sansevero, Jr.
9 Deming Road
Bolton, Ct 06043

EMAIL ADDRESS
vinny@vsansevero.com

HOMEPAGE URL
http://www.vsansevero.com/