Dr. Business/DR_BUSINESS.BIN/MANUAL.DOC

Text File | 1993-03-12 | 49KB | 1,271 lines

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         Copyright (c) 1990 - 1993, Practical Programs

               EASY AGENT USERS MANUAL - DISK FILE




                     EASY AGENT  1.46
        Copyright (c) 1990 - 1993, Thomas W. Boyd
     97 Greenbrook, Brandon, MS. 39042 (601-825-4926)

    Author Member: Association of Shareware Professionals


                    All RIGHTS RESERVED

The Purchaser will be licensed to use this Software and printed
materials in the EASY AGENT package under the terms of this software
license agreement. PRACTICAL PROGRAMS grants you a paid-up, non-transferable,
personal license to use EASY AGENT 1.46 on one (1) computer work station and
one (1) Laptop. You do not become the owner of the package. You do not have
the right to copy (except permitted backups of the software), or alter
the software or printed materials. You are legally accountable for any
violation of the License Agreement and copyright, trademark, or
trade secret law.

                  SYSTEM REQUIREMENTS.

IBM-PC or Compatible Computer with 512K or more memory.
One (1) floppy disk drive or hard disk drive, and
MS-DOS Release 2.1 or later.

IBM is a registered trademark of International Business Machines.
MS-DOS is a registered trademark of Microsoft Corporation.




























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******   SPECIAL PROMOTION OFFER TO REGISTERED USERS    ******
*                                                            *
*       When Practical Programs receives a Registration      *
*       payment for EASY AGENT from a New User, and the New  *
*       User obtained the copy of the program from a         *
*       Registered User, the registered user will receive    *
*       a REBATE of $15.00. Also, registered users can       *
*       obtain more than one (1) copy of the program for     *
*       the special price of $25.00 + $3.00 shipping and     *
*       handling (for each additional copy of the program).  *
*                                                            *
*            Rebate guidelines - Practical Programs          *
*       must be notified, at the time of the New Users       *
*       registration, that a registered user supplied the   *
*       evaluation copy of the program and demonstrated       *
*       and assisted in the procurement of the registration. *
*       The order form in the back of the printed manual     *
*       contains a entry blank for the name of the           *
*       registered user that supplied the evaluation copy    *
*       of the program to the New User.                      *
*       The Shareware distribution disk also contains the    *
*       order form in an ASCII file (order.doc) that can     *
*       be printer with any word processor. It will be the   *
*       registered users responsibility to show a new user   *
*       how to order a registered copy of EASY AGENT.        *
*                                                            *
******   SPECIAL PROMOTION OFFER TO REGISTERED USERS    ******

EASY AGENT 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 EASY AGENT and continue to
use EASY AGENT after a reasonable trial period (60 days), you
must make a registration payment of $40.00 to Thomas W. Boyd,
d/b/a PRACTICAL PROGRAMS, 97 Greenbrook, Brandon, MS. 39042.
The Real Estate business continually changes and It is my goal
to change with the business. As things change there will be
improvements and additions to the program. Registration will
insure you that you have the latest and most up-to-date program
for Real Estate transactions.

              ASSOCIATION OF SHAREWARE PROFESSIONALS
                         Ombudsman policy

"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-
9427 or send a Compuserve message via Compuserve Mail to
ASP Ombudsman 70007,3536."

"The OMB may be contacted by FAX by sending to the ASP FAX
number: [phone]. In communication with the OMB please
include a telephone number or FAX if available."

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                     WELCOME TO EASY AGENT


EASY AGENT is a Tool for busy Real Estate Agents. With EASY
AGENT, Agents can calculate Buyer's cost, Seller's net proceeds,
monthly payments and FHA minimum down payments in a matter of
minutes. Monthly payments include principal, Interest, taxes,
insurance and mortgage insurance amounts. The program does
all the time consuming and complicated calculations automatically
and when any of the transaction costs change the program recalculates
all the costs. An Agent can print (when all changes are complete)
Buyer's cost report, Seller's net proceeds report, FHA Acquisition
report and Amortization schedules. The transaction
information also can be saved on disk (hard disk or diskette) for
future reference or revisions.

Real Estate transactions are different for each transaction.
Easy Agent makes calculating these costs simple and easy. The program
uses four separate worksheets: Sales/Purchase Worksheet, FHA Acquisition
Worksheet and Amortization Worksheet for transaction
calculations. All worksheets share the same data and information. The
program automatically updates all the worksheets when one (1) worksheet
changes. The program also allows an agent to switch from one worksheet
to another with a simple keystroke, without having to reenter data or
retrieve any files. Another added feature in the Easy Agent program
is a four (4) function calculator. The calculator is available in the
Sales/Purchase Worksheet and the Amortization Worksheet.



*******         COMMON FILE SYSTEM.
All the program worksheets use the same files. Any saved file contains
all the transaction data and can be retrieved from the Sales/Purchase
Worksheet or the FHA Acquisition Worksheet. NOTE: Files created with
version 1.3 are not compatible with version 1.4x file format. A conversion
utility is available from Practical Programs (free) upon request.

























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The following is a summary of the transaction items included in the
program worksheets:

Buyer's name  *                 Seller's name *
Property address *              Sale price *
Down payment * ***              Loan amount **
Years financed *                Interest rate *
Earnest money *                 Loan type (Conventional) (FHA) (VA) *
Brokerage ** ****               Tax Service Fee *
Underwriting Fee *              Title Endorsement *
Intangible Tax *                Other Legal Fee *
Attorney fee *                  Discount points ** ****
Loan origination** ****         Seller's Loan balance *
Water/Septic Inspection *       Property Inspection *
Other Inspection *              Termite inspection *
Tax Escrow  *                   Title insurance **
Transfer fee *                  Hazard Insurance Escrow*
Flood Insurance *               Interest *
(2) Fill-in Other *             Credit report *
Recording fee *                 Tax Stamp Deed
Tax Stamp Note *                Notary Fee *
Photo/Video Fee *               MIP/PMI/VA fee ** *** ****
Appraisal *                     Warranty *
Seller's Credits Taxes *        Seller's Credits Interest *
Seller's Credits Other *        Maintenance Fee *
Association Fee *               Other Assessment Fee*
Payment principal **            Payment interest **
Total payment **                Total Seller's cost **
Seller's net proceeds **        Total Buyer's cost **
FHA minimum down **             Total FHA allowable cost **
FHA maximum mortgage **
Other ESCROW * (fill - in - The - blank)
Other ESCROW * (fill - in - The - blank)
MIP/PMI/VA fee financed (yes/no) *

*       user entry item
**      program calculated item
***     special treatment item, depending on loan type
****    special entry item, user enters % and program calculates amount

























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*******         HOW TO START EASY AGENT


The command to start EASY AGENT is "AGENT" and the executable file
is Agent.exe. There is a installation program on the distribution
disk, INSTALL.BAT. Refer to "Dual or Single floppy drive
system installation" or "Hard drive system installation " sections
in this manual for more details."

***SEE DUAL AND SINGLE FLOPPY DRIVE SYSTEM INSTALLATION INSTRUCTIONS***
If you want to run EASY AGENT from a Floppy drive, at the "A:>" prompt
type-in AGENT and then press "ENTER".  If you have installed EASY AGENT
onto a hard drive, at the "C:>" prompt, type-in "CD REALTY" and then
press "ENTER", at the "C:\REALTY>" prompt, type-in "AGENT" and then
press "ENTER".


*******         Software support

If you have trouble with this Software please contact:
THOMAS W. BOYD
97 Greenbrook
Brandon, MS. 39042
601-825-4926)

If you would like to see other features added to this program, then
write to me at the above address. All licensed users will receive
notification as upgrades are available. In keeping with my objectives
to provide PRACTICAL SOLUTIONS AT A REASONABLE PRICE , upgrades
will be reasonably priced.




The following is a list of Other Programs available from Practical programs:

I QUALIFY ....... Mortgage Loan Qualification Program for Home Buyers.
CONVERT.EXE ..... File conversion program. Convert files created with
                  version 1.3 to version 1.4x file format.
CONTRACT.EXE......Contract printing program to print EASY AGENT files.
                  Contact the Author about special coding for your contracts.





















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*******         DUAL OR SINGLE FLOPPY DRIVE SYSTEMS
Note: The Program files are compressed on the distribution disk.
You will need approximately 600K free disk space to decompress the
file on a floppy disk. This can be done if you copy the files
from the distribution disk to a HIGH DENSITY diskette.

After installation, the command to start EASY AGENT is "AGENT"
and the executable file is Agent.exe. There is an installation
program on the distribution disk (INSTALL.BAT). Refer to "Hard
drive system installation" sections in the manual for more details.

If you want to run EASY AGENT from a 360k floppy drive, you will
need to copy the following files to your floppy disk after you
run the self extracting archive file (easy-a14.exe).
Agent.exe.....Easy Agent program file.
Agent.ini.....program initialization file
Agent.net.....sample Sales/Purchase and FHA file
Ptitle.dst....title insurance data file

To run the program from a floppy drive:
At the "A:>" prompt type in AGENT and press ENTER. If you have
installed EASY AGENT onto a hard drive, at the "C:>" prompt, type
in "CD REALTY" and press ENTER, at the "C:\REALTY>" prompt, type
in "AGENT" and press ENTER.








































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*******         HARD DISK INSTALLATION

If you want to install EASY AGENT on your hard disk, the INSTALL
program on the EASY AGENT diskette will do it for you.
INSTALL.BAT makes a directory on "C" drive, named REALTY.

If you are using the "C" drive, put the EASY AGENT program
diskette in the "A" drive. At the "C:>" prompt type "A:\" and
press ENTER. The "A:>" prompt should be displayed. At the "A:>"
prompt type in INSTALL and press ENTER.

The INSTALL program will now begin the installation process.
It will copy all of the EASY AGENT program files into a
sub-directory named "REALTY" on your "C" Drive.

When the installation is complete, change back to "C" drive. At
the "A:>" prompt type "C:\" then press ENTER. You will need to
change to the "REALTY" sub-directory. At the "C:>" prompt type in
"CD REALTY" then press ENTER. At the C:\REALTY> prompt type in
AGENT, The EASY AGENT program will start.

  ************* SET UP YOUR SYSTEM ********************

From the Main Menu Screen select "2" and the program Set Up
Screen will be displayed. Set the Type Monitor you have connected
to your computer (color or monochrome). Set the Type Printer you
have connected to your system (EPSON, IBM PROPRINTER OR HP Laserjet).

If the program (printouts) prints past the bottom of a 8 1/2 X 11
page, change the printer Type to the other selection. If you set the
system up for an EPSON printer and the program prints past the bottom
of the page, change your set-up to IBM proprinter.

*** NOTE: THE FOLLOWING THREE PARAGRAPHS ONLY APPLY TO THE  ***
*** REGISTERED VERSION OF THE PROGRAM. IF YOU ARE USING THE ***
*** SHAREWARE VERSION YOU WILL NEED TO SET THE PROGRAM      ***
*** SYSTEM DEFAULTS FROM THE START UP SCREEN MAIN MENU.     ***

The INSTALL program will prompt you for your NAME/COMPANY.
Type-in either your name or your company's name at the prompt,
then press "ENTER".

The INSTALL program will next prompt you for the type MONITOR
you have connected to your computer (COLOR or MONOCHROME).
Enter "0" for Color or "1" for Monochrome.

The INSTALL program will next prompt you for the type PRINTER
you have connected to your computer, EPSON or IBM emulation
(Dot Matrix) or HP LaserJet (Laser).  Enter "0" for EPSON or
"1" for IBM proprinter or "2" for HP Laserjet emulation.

The INSTALL program will now begin the installation process.
It will copy all of the EASY AGENT program files into a sub-directory
named "REALTY" on your "C" Drive.

When the installation is complete, change back to "C" drive. At
the "A:>" prompt type "C:" then press "ENTER". You will need to
change to the "REALTY" sub-directory. At the "C:>" prompt type-in
"CD REALTY" then press "ENTER". At the C:\REALTY> prompt type-in
AGENT, The EASY AGENT program will start.


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*******         <1>SALES/PURCHASE WORKSHEET

<1>SALES/PURCHASE WORKSHEET is a sub-program that you can enter all
the sales information into a worksheet, and the program will calculate
The Buyer AND Seller's estimated cost. When you complete the worksheet
the first time, you can then go back and change any of the variable's
and the program will recalculate the entire worksheet. You can print
a Seller's net proceeds report and Buyer's cost report for presentation.

When you choose this option from the MAIN MENU, you will be reminded
that you can fill-out a new worksheet by pressing the menu choice "N".
After the reminder is displayed you can choose from any of the menu
selection at the bottom of the work screen. If you want to fill-out
a new worksheet, press "N" and then press "ENTER". If you want to
enter information into the worksheet without stepping through all
the entries, simply press the entry item number and then press "ENTER".
The entry item number (to the left of the entry name) is enclosed in
brackets (e.g. <1> for the Buyer entry). If you press the entry item
number from the worksheet MENU, the entry blank for the item will be
displayed and you can change the previously entered amount, number
or letter designation.  The current entry amount will be displayed
at the bottom of the screen. You can press "ENTER" and skip the entry
without changing the current entry amount.

You can choose <N>New, and fill-out a new worksheet. The program
will step through the following entries. A single entry blank will appear
and you can enter the amount, number, name, address or the letter
designation indicated by the screen prompt.

Note: You can select each item number from the worksheet screen
and you will not have to go through the complete worksheet entries.
You can also enter certain fixed costs into a blank worksheet and
then save it as a TEMPLATE file. You can then retrieve this file each
time you want to prepare a new worksheet without having to reenter these
fixed costs. Items such as Brokerage, Origination, Intangible Tax and
MIP will automatically recalculate when you enter the new sales price.

<1>BUYER
Enter the Buyers name (30 characters or less), then press "ENTER".

<2>SELLER
Enter the Sellers name (30 characters or less), then press "ENTER".

<3>PROPERTY
Enter the property address (30 characters or less), then press "ENTER".

<4>LOAN TYPE
Enter the LOAN TYPE from the three choices (<1>Conv <2>FHA <3>VA).
When you enter the LOAN TYPE the program will prompt you for a new
multiplier for the respective fee or mortgage insurance.

<5>SALE PRICE
Enter the amount (any number from 1-9999999), then press "ENTER".

<6>DOWN PAYMENT
Enter the amount (any number from 1-9999999), then press "ENTER".
For Conventional and VA loans the program subtracts this entry
from the Sale price and calculates the loan amount. For FHA loans
the program calculates the FHA minimum down payment using the
published FHA minimum down payment guidelines. If the Buyer wants
to pay any additional down payment, you simply enter the total down
payment amount and the program will subtract the FHA minimum down
payment amount and calculate the additional down payment the Buyer
is paying.


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<7>LOAN AMOUNT
Easy Agent will calculate the loan amount based on the LOAN TYPE
selected and whether the MIP/PMI/VA fee will be financed and included
in the LOAN amount.

<8>INTEREST RATE & TERM
Enter the Buyer's mortgage loan interest rate in whole numbers
(e.g. 9.5 for nine and one/half percent), then press "ENTER".
The cursor will now move to the term entry blank, enter the years
financed in whole numbers, then press "ENTER". When you have
completed all the entries the payment, principal and interest
will be displayed at the lower portion of the screen.

<9>MIP/PMI/VA fee financed (Y/N).
Enter "Y" or "N", then press enter. This entry determines if
the Mortgage Insurance or VA funding fee will be added to the
base loan amount or added and displayed in the Sales/Purchase
cost column.

NOTE: The next section of the worksheet accepts (2) two entries
for each item. You can enter an amount in the entry blank under
the Seller or Buyer column. If you enter an amount in the blank
and press "ENTER", or if you just press "ENTER" the cursor will
move from the Seller column to the Buyer column. When you press
"ENTER" after entering an amount in the Buyer column the cursor
will move to the next entry item.

<10>BROKERAGE
Enter the percentage of brokerage (e.g. 6, 5, 4.5) and then press
"ENTER". The brokerage amount calculated will be displayed under
the (Seller) column. If the Buyer is going to pay the brokerage,
then press "ENTER" (Do not enter a number). The cursor is still
blinking in the blank after <10> BROKERAGE %. If you enter a
number in the blank, the amount of brokerage will be calculated
and displayed under the (Buyer) column. If the Buyer is not paying
any brokerage then just press "ENTER" (Do not enter a number).

<11>LEGAL FEE'S * (SEE HOW TO USE ENTRY WINDOW SCREENS)
An expanded entry Window will be displayed with the following
entries: TAX SERVICE, ATTORNEY FEE, UNDERWRITING FEE, TITLE
ENDORSEMENT, INTANGIBLE TAX, ASSUMPTION FEE, DOCUMENT PREPARATION,
and OTHER LEGAL FEE's.

This entry window allows the user to change an entry or skip a
previously entered item. You simply press ENTER to skip an entry,
or type-in the entry amount. If you press enter to skip the entry
the current amount will not be deleted.

<12>SURVEY
Enter an amount if the Seller is paying the cost or press "ENTER"
to move to the entry blank under the (Buyer) column.  If the Buyer
is paying this cost enter the amount and press "ENTER" and move to
the next entry item.










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<13>DISCOUNT POINTS
This entry is just like the Brokerage entry. If you enter the number
of discount points in this blank, the amount will be calculated and
displayed under the (Seller) column. Press "ENTER" if the Seller is
not paying any points. The cursor is still in the blank after
DIS-POINTS, enter the number of points the Buyer will pay, then
press "ENTER". If the Buyer is not paying any points, press "ENTER"
to move to the next entry item.

<14>LOAN ORIGINATION
This entry is just like the Brokerage entry.. If Loan Origination
is one percent (1%) of the amount financed, then enter "1" (or
whatever percentage applies). Remember you can either enter the
percentage in the (Seller) or (Buyer) column.

<15>LOAN BALANCE * (SEE HOW TO USE ENTRY WINDOW SCREENS)
A entry window screen will be displayed and you can enter the
cost amounts for the following items:  1st MORTGAGE BALANCE,
2nd MORTGAGE BALANCE. This entry window allows the user to
change an entry or skip a previously entered item or press
the "ESC" key to EXIT the entry window. You simply press the
"DOWN", "UP", "RIGHT", "LEFT" cursor keys to skip the entry
or press the "ENTER" key and a entry blank will appear for the item.

<16>FHA/MIP ESCROW
Enter an amount if the Seller is paying the cost or press
"ENTER" to move to the move to the entry under the (Buyer)
column. Enter an amount if the Buyer is paying this cost
and press "ENTER" to move to the next entry. This entry is
for the Monthly Mortgage Insurance Premium escrow. The Monthly
Mortgage Insurance Premium amount will be calculated for you
and displayed at the bottom of the screen. The calculation for
FHA loans is one-half-of-one percent (.5%) of the base loan amount,
divided by twelve (12) months. The program calculates this amount,
but does not enter it into the entry blank. This is a user entry item.
Different mortgage companies calculate this amount in different ways,
this is why this entry is a user entry item.

<17>INSPECTION FEE (SEE HOW TO USE ENTRY WINDOW SCREENS)
An expanded entry Window will be displayed with the following
entries: TERMITE INSPECTION, WATER/SEPTIC INSPECTION, PROPERTY
INSPECTION and OTHER INSPECTIONS.
This entry window allows the user to change an entry or skip a
previously entered item. You simply press ENTER to skip an entry,
or type-in the entry amount. If you press enter to skip the entry
the current amount will not be deleted.

<18>TAX ESCROW *  (SEE HOW TO USE ENTRY WINDOW SCREENS)
A entry window screen will be displayed and you can make entries
in the following items. YEARLY TAX - The program uses the yearly
tax amount you enter to automatically calculate the monthly amount.
MONTHS ESCROWED - The program multiplies the number of months you
enter times the monthly amount and calculates the total amount escrowed.
This entry window allows the user to change an entry or skip a
previously entered item. You simply press ENTER to skip an entry,
or type-in the entry amount. If you press enter to skip the entry
the current amount will not be deleted.








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<19>TITLE INSURANCE
This entry has been revised to allow the user to manually enter
a fixed amount for this item or let the program calculate the
title insurance amount using the Title Insurance Rate data stored
on disk.

When you choose this item the program will prompt you to enter an
"A" (for automatic calculation), "M" (for manual entry of a fixed
amount or press the "ENTER" key to skip the entry. If you press
"ENTER" the cursor will return to the SUB-MENU and this entry
will be skipped completely.

If you press "A" (automatic) the cursor will move to the Seller
column, press "S" if the Seller is buying Title Insurance or press
"ENTER to skip. The cursor will now be under the Buyer column, press
"B" if the Buyer is buying Title Insurance or press "ENTER" to skip
the entry. The program will automatically calculate the Title Insurance
amount after you press the respective "S" or "B".

If you press "M" (manual) an entry blank will appear under the Seller
column, enter the fixed amount or press "ENTER" to skip.  An entry
blank will appear under the Buyer column, enter the fixed amount or
press the "ENTER" key to skip the entry.

This entry uses the data stored in the file (PTITLE.DST) to calculate
this amount for you.  You can change the data file from the SET UP menu.

NOTE: The program uses the stored title insurance rates [(1) below
$100,000, (2) above $100,000 and less than $500,000, (3) above
$500,000 and less than $1,000,000, (4) above $1,000,000 and less
than $10,000,000], for the calculations (based on the mortgage,
loan amounts).

<20>HAZARD INSURANCE ESCROW * (SEE HOW TO USE ENTRY WINDOW SCREENS)
An entry window screen will be displayed and you can make entries
in the following items. YEARLY INSURANCE - The program uses the
yearly insurance amount you enter to automatically calculate the
monthly amount. MONTHS ESCROWED -The program multiplies the number
of months you enter times the monthly amount and calculates the
total amount escrowed.
This entry window allows the user to change an entry or skip a
previously entered item. You simply press ENTER to skip an entry,
or type-in the entry amount. If you press enter to skip the entry
the current amount will not be deleted.

<21>TRANSFER FEE
Enter an amount if the Seller is paying the cost or press "ENTER"
to move to the entry blank under the (Buyer) column.  If the Buyer
is paying this cost enter the amount and press "ENTER" and move to
the next entry item.

<22>OTHER ESCROW * (SEE HOW TO USE ENTRY WINDOW SCREENS)
An entry window screen will be displayed and you can make entries
in the following items: FLOOD INSURANCE, INTEREST, OTHER ESCROW
(fill-in-the-blank cost name), OTHER ESCROW (fill-in-the-blank
cost name).
This entry window allows the user to change an entry or skip a
previously entered item. You simply press ENTER to skip an entry,
or type-in the entry amount. If you press enter to skip the entry
the current amount will not be deleted.



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<23>OTHER
This entry prompts you to enter the "Name" of the cost, in an entry
blank [located to the left of the (Seller) column]. You can type-in
the "Name" of the cost, and then press "ENTER". The cursor will move
to the blank under the (Seller) column. Enter an amount, or press
"ENTER" to step to the next blank [under the (Buyer) column].
Enter an amount, or press "ENTER" to move to the next entry item.
The "Name" of the cost item will be printed on the Buyer's cost
report and the Seller's net proceeds report.

<24>OTHER
This entry prompts you to enter the "Name" of the cost, in an entry
blank [located to the left of the (Seller) column]. You can type-in
the "Name" of the cost, and then press "ENTER". The cursor will move
to the blank under the (Seller) column. Enter an amount, or press
"ENTER" to step to the next blank [under the (Buyer) column].
Enter an amount, or press "ENTER" to move to the next entry item.
The "Name" of the cost item will be printed on the Buyer's cost
report and the Seller's net proceeds report.

<25>CREDIT REPORT
Enter an amount if the Seller is paying the cost or press "ENTER"
to move to the entry blank under the (Buyer) column.  If the Buyer
is paying this cost enter the amount and press "ENTER" and move to
the next entry item.

<26>RECORDING FEE * (SEE HOW TO USE ENTRY WINDOW SCREENS)
An entry window screen will be displayed and you can make entries
in the following items.  RECORDING FEE, TAX STAMP DEED, TAX STAMP
NOTE, NOTARY FEE, PHOTO/VIDEO FEE.
This entry window allows the user to change an entry or skip a
previously entered item. You simply press ENTER to skip an entry,
or type-in the entry amount. If you press enter to skip the entry
the current amount will not be deleted.

<27>PMI/MIP/VA FEE
This entry is just like the Brokerage entry. If PMI/MIP/VA FEE
is one percent (1%) of the amount financed, type-in "1", or whatever
percentage applies. Remember, you can enter the percentage in the
(Seller) or (Buyer) column. When financing PMI/MIP/VA FEE in the
loan, the amounts will not display in these entry blanks. The
calculated amount will-be-added to the base loan amount. Be
careful with this entry. You will need to enter the percentages,
for PMI, MIP and VA FEE entries, because these amounts (they are
not fixed) can vary.  If you do not enter a percentage in this
entry the program cannot calculate the cost.

<28>APPRAISAL
Enter an amount if the Seller is paying the cost or press "ENTER"
to move to the entry blank under the (Buyer) column.  If the Buyer
is paying this cost enter the amount and press "ENTER" and move to
the next entry item.

<29>WARRANTY
Enter an amount if the Seller is paying the cost or press "ENTER"
to move to the entry blank under the (Buyer) column.  If the Buyer
is paying this cost enter the amount and press "ENTER" and move to
the next entry item.






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<30>EARNEST MONEY
Enter the amount and then press "ENTER". This program subtracts
this amount from the Buyer's cost (along with the down payment)
in calculating the total Buyer's cost.

<31>SELLER CREDITS * (SEE HOW TO USE ENTRY WINDOW SCREENS)
An entry window screen will be displayed and you can make entries
in the following items.  TAX CREDIT, INTEREST CREDIT, OTHER CREDIT.
This entry window allows the user to change an entry or skip a
previously entered item. You simply press ENTER to skip an entry,
or type-in the entry amount. If you press enter to skip the entry
the current amount will not be deleted.
These items will be subtracted from the sellers closing cost and
the net proceeds will increase by the total amount of these credits.

<32>FEE'S * (SEE HOW TO USE ENTRY WINDOW SCREENS)
An entry window screen will be displayed and you can make entries
in the following items:  ASSOCIATION FEE, MAINTENANCE FEE, OTHER
FEE.
This entry window allows the user to change an entry or skip a
previously entered item. You simply press ENTER to skip an entry,
or type-in the entry amount. If you press enter to skip the entry
the current amount will not be deleted.
These fee amounts will be added to the buyers total payment amount
and are not added to the closing costs.

When you make the last entry the program will calculate the Seller's
and Buyers costs. The total Seller's cost automatically subtracts from
the sale price and the program displays the Seller's Net Proceeds. The
total Buyer's cost will be automatically added to the Down Payment and
subtracted from the Earnest money deposit. The program then displays
the Total Buyer's (cash at closing) cost. The monthly payment amount
(including the principal and interest) will be displayed at the lower
portion of the screen.



This completes all the entries and the cursor will be blinking at the
bottom screen SUB-MENU. You can change any of the entries to suit your
clients needs. As you change the entries the entire worksheet
recalculates for you.

SEE: HOW TO USE WORKSHEET MENU'S for more details.



















* Page 14


*******         <2>FHA ACQUISITION WORKSHEET

<2>FHA ACQUISITION WORKSHEET is a sub-program that displays
the FHA Acquisition costs by simply entering the
Appraisal Price and Additional Down Payment amount.
The program uses the OCTOBER 1992 FHA rules changes in
calculating the results. The program Adds the closing
costs to the Sale/Appraisal price and subtracts the
buyer paid closing costs.  It then calculates the (95%
+ $500 or 97%) amount for you.
Also calculated is the 97.75% or 98.75% amount of the
sale/appraisal value. The two amounts will be compared,
and the smaller of the two will be used as the maximum
loan amount. The smaller of the two amounts will be subtracted
from the sale/appraisal price and the down payment will be
calculated.

When this worksheet is displayed you will be prompted to EXIT back
to the Sales/Purchase Worksheet or EDIT the Appraisal Amount and
the Additional Down Payment Amount. You can use the TAB key or the
RIGHT or LEFT arrow keys to select EDIT. After you make your entries
you can select EXIT and return to the Sales/Purchase Worksheet.

FHA APPRAISAL
Enter the Appraisal price (any number from 1-9999999) and then press "ENTER".

ADDITIONAL DOWN PAYMENT
If a Buyer is paying an additional down payment, type-in the amount
in the entry blank. This amount will be added to the FHA minimum
down payment and shows up as total DOWN PAYMENT in the Sales/Purchase
Worksheet.
































* Page 15
*******         HOW TO USE ENTRY WINDOW SCREENS

The entry windows used in the EASY AGENT program allow the user to
change an entry, or skip a previously entered item.

The following example will step you through the LEGAL FEE entry window
entries: TAX SERVICE, ATTORNEY FEE, UNDERWRITING FEE, TITLE ENDORSEMENT,
INTANGIBLE TAX, ASSUMPTION FEE, DOCUMENT PREPARATION, and OTHER LEGAL
FEE's.

These entry windows allow you to press ENTER to step through all the
entries and the you are prompted to select either EXIT or EDIT.
You can use the TAB key or the arrow keys to select EDIT. After you
have selected EDIT, press enter and the program will take you back
through the entry window entries. The previous entries will not be
deleted unless you actually make a new entry into the entry blank.

When the LEGAL FEE entry window is first displayed the cursor will be
blinking next to TAX SERVICE under the sellers column.

If the Seller is paying the Tax Service Fee, enter the amount and then
press "ENTER".  If the Seller is not paying this fee, press ENTER to
move to the next entry under the (Buyer) column. If the Buyer is paying
the Tax Service Fee, enter the amount, and then press "ENTER".
If the Buyer is not paying the Tax Service Fee, press ENTER to move
to the next entry under the Sellers column.

The cursor is now blinking in the blank after ATTORNEY FEE, under the
(Seller) column.
If the Seller is paying the ATTORNEY FEE, enter the amount and then
press "ENTER".  If the Seller is not paying this fee, press ENTER to
move to the next entry under the (Buyer) column. If the Buyer is paying
the ATTORNEY FEE, enter the amount, and then press "ENTER".
If the Buyer is not paying the ATTORNEY FEE, press ENTER to move
to the next entry under the Sellers column.

The cursor is now blinking in the blank after UNDERWRITING FEE, under the
(Seller) column.
If the Seller is paying the UNDERWRITING FEE, enter the amount and then
press "ENTER".  If the Seller is not paying this fee, press ENTER to
move to the next entry under the (Buyer) column. If the Buyer is paying
the UNDERWRITING FEE, enter the amount, and then press "ENTER".
If the Buyer is not paying the UNDERWRITING FEE, press ENTER to move
to the next entry under the Sellers column.

The cursor is now blinking in the blank after TITLE ENDORSEMENT, under the
(Seller) column. If the Seller is paying the TITLE ENDORSEMENT, enter the
amount and then press "ENTER".  If the Seller is not paying this fee, press
ENTER to move to the next entry under the (Buyer) column. If the Buyer is
paying the TITLE ENDORSEMENT, enter the amount, and then press "ENTER".
If the Buyer is not paying the TITLE ENDORSEMENT, press ENTER to move
to the next entry under the Sellers column.

The cursor is now blinking in the blank after INTANGIBLE TAX, under the
(Seller) column. If the Seller is paying the INTANGIBLE TAX,
enter the tax amount multiplier (e.g. .25 for twenty five cents per one
hundred dollars) and then press "ENTER". If the Seller is not paying this
fee, press ENTER to move to the next entry.  The cursor is now blinking in
the blank under the (Buyer) column. If the Buyer is paying the INTANGIBLE
TAX, press the "ENTER" key and a blank will appear for the user to
enter the tax amount multiplier (e.g. .25 for twenty five cents per one
hundred dollars) and then press "ENTER". If the Buyer is not paying this
fee, press ENTER to move to the next entry item.


* Page 16

The cursor is now blinking in the blank after ASSUMPTION FEE, under the
(Seller) column. If the Seller is paying the ASSUMPTION FEE, enter the
amount and then press "ENTER".  If the Seller is not paying this fee, press
ENTER to move to the next entry under the (Buyer) column. If the Buyer is
paying the ASSUMPTION FEE, enter the amount, and then press "ENTER".
If the Buyer is not paying the ASSUMPTION FEE, press ENTER to move
to the next entry under the Sellers column.

The cursor is now blinking in the blank after DOCUMENT PREPARATION, under the
(Seller) column. If the Seller is paying the DOCUMENT PREPARATION, enter the
amount and then press "ENTER".  If the Seller is not paying this fee, press
ENTER to move to the next entry under the (Buyer) column. If the Buyer is
paying the DOCUMENT PREPARATION, enter the amount, and then press "ENTER".
If the Buyer is not paying the DOCUMENT PREPARATION, press ENTER to move
to the next entry under the Sellers column.

The cursor is now blinking in the blank after OTHER LEGAL FEE's,
under the (Seller) column. If the Seller is paying the OTHER LEGAL
FEE's, enter the amount and then press "ENTER".  If the Seller is
not paying this fee, press enter and move to the next entry.
The cursor is now blinking in the blank under the (Buyer) column.
If the Buyer is paying the OTHER LEGAL FEE's, enter the amount and
then press "ENTER". If the Buyer is not paying this fee, press
enter to move to the next entry item.

When you press "ENTER" after the last entry, the total of all the
window entry items will be displayed. The prompt will be at the
EXIT button. Either press ENTER or press the TAB key to move to the
EDIT button. If you select the EDIT button the cursor will move to
the first entry and you can edit your previous entries.
When you press "ENTER" on the EXIT button the window will clear
and you will be returned to the main worksheet.


*******         SYSTEM SET UP

When you choose this option from the Main Menu the System Set Up screen displays. From this screen you can change the Title Insurance Data, view
the data stored in previously saved files, and change the hardware
configuration (monitor or printer).


HOW TO CHANGE TITLE INSURANCE DATA

When you press "1" from the Set Up menu the Title Insurance Data entry
screen is displayed. This entry screen allows you to change an entry by
simply pressing "ENTER" and a entry blank will appear. You can skip a
previously enter item by pressing the "DOWN", "UP", "LEFT" or "RIGHT"
cursor keys or you can press the "ESC" key and exit the entry window.

















* Page 17


The Easy Agent program calculates the title insurance amounts for you
using this data. The screen will display the previously entered rates
and then it will prompt you to enter the new Title Insurance rates.
The calculations made by Easy Agent are based on the loan amount. The
rates are for four (4) categories (0 to 100000, 100000 to 500000,
500000 to 1000000, 1000000 to 10000000).  The program uses these
rates and decides which rates apply and the amount the rate applies
too.  This data file is named "ptitle.dst". The program uses the
stored data for its calculations.

The Sales/Purchase Worksheet simply prompts you for an "A" (automatic),
"M" (manual) or "ENTER" entry. If you enter "A" the program will
automatically calculate the title insurance costs.  If you press "M"
the program will display a entry blank for the Seller and Buyer and
you can manually enter a fixed amount and disable the automatic
calculation. If you press "ENTER" the program will either move to
the next entry or return to the SUB-MENU.


HOW TO VIEW FILES ON DISK

When you press "2" from the Set Up Menu, a list of files (on your disk)
will be displayed across the top of the screen (note: these file-names
show the file extension after the name (e.g. .net). At the screen prompt
(at the bottom of the screen) you can enter the name of the file you want
to view. Type-in the file-name (name only do not enter the extension) and
then press "ENTER". The program will display the worksheet for this file.
This feature is added as a convenience only, sometimes you may want to
preview the stored data to insure you retrieve the correct file.



HOW TO SET DISPLAY COLOR OPTIONS

When you press "3" from the Set Up Menu, you will be prompted (below the
Set Up Menu) for (either) a "0" or "1" entry for the type monitor (COLOR
or MONOCHROME) you have connected to your system. When you enter your
choice the prompt will clear and you can either press "Q" or make
another menu choice from the Set Up Menu options.

HOW TO SET PRINTER OPTIONS

When you press "4" from the Set Up Menu, you will be prompted (below the
Set Up Menu) for (either) a "0" (for EPSON emulation), "1" (for IBM
Proprinter emulation) or "2" Laser (for LaserJet emulation).  Press
the respective number designation and this configuration will be saved
on disk. When you enter your choice the prompt will clear and you can
either press "Q" or make another menu choice from the Set Up Menu options.
NOTE: review you printer manual to determine the type emulation your
printer uses. Most dot matrix printers on the market are capable of one
or the other types of emulation. If your printout doesn't look like the
samples in the manual, change your printer set-up to the other type
emulation. If you are using EPSON emulation, change your printer type
to IBM emulation. This should correct the problem.

NOTE: If you do not have a HP laser printer, refer to the printer manual
and set-up your printer for HP laserjet emulation. If you can't get your
printer to work properly with the EASY AGENT program, please contact Tom
Boyd, 97 Greenbrook, Brandon MS 30942 . Phone: (601) 825 - 4926. I will
re-code the program printer commands if needed.



* Page 18


EASY AGENT SUPPORT

When you press "5" from the Set Up Menu you will be presented with details
about Software support. The program displays Information about registration
and license, how to contact the author and how to contact the ASP
(ASSOCIATION OF SHAREWARE PROFESSIONALS).


QUIT SYSTEM SET UP

"Q" Quit, when you press "Q" you will return to the Main Menu.



*******         HOW TO USE WORKSHEET MENU'S

At the bottom of each worksheet a SUB-MENU will be displayed. The following outlines how to use the menu choices.

</> + - / * CALCULATOR
If you press / you can (add, subtract, multiply or divide) any two
numbers. At the lower left of the screen a blank will appear, enter
the first number you want to calculate, then press ENTER. Another
blank will appear next to the last entry. Press either (+ to add, - to
subtract, * to multiply, / to divide), you don't have to press enter.
The cursor will move to a blank to the right of this entry, now enter
the second number you want to calculate. Press ENTER, your answer will
be displayed on the right side of the screen. This function has been
revised to allow the user to press "ENTER" and skip through the entry
blanks.

<#> CHANGE
To change an entry, press the number of the entry item (EXAMPLE: press
"12", to change SURVEY, or press "5" to change SALE PRICE). Each time
you change an entry the worksheet recalculates completely.

<P> PRINT
Press "P" and you will be presented with a menu choice for either <B>
Buyer or <S> Seller printout. If you want to print a Buyer's cost
report press B. If you want to print a Seller's net proceed report
press N. Buyer and Seller's reports are separate printouts. The Buyer
report is two (2) pages and the Seller report is one (1) page.

<F> FILE
Press F and you will be prompted at the bottom of the screen for another
entry. Press S, to SAVE a file or press O to OPEN a file. Type in the
filename without any file extensions. All the program data files are
saved on disk with the file extension ".net".
















* Page 19



<A> AMORTIZE (Amortization Worksheet)
If you press "A" you can view or print an amortization schedule. You
will be presented with a Amortization Worksheet. This worksheet allows
you to enter Additional Payment amounts (to calculate early pay-off,
smaller than normal payment amounts (to calculate a balloon payment),
fixed payment amounts (to calculate a loan balance for the fixed
payment amount) and Adjustable Rate Mortgage interest rates for
four (4) additional years (to calculate the payment amounts for the
adjustable rates). From the worksheet sub-menu you can enter an "A"
<A> Amortize, and a menu selection will be displayed. If you press
"P" a complete amortization schedule will be printed on
your printer. If you press "V" the amortization information will be
displayed at the lower portion of the screen. You can press "ENTER" to
step through (and VIEW) each 12 months ending balance, for the complete
term of the loan or you can press "ESC" to exit and return to the main
workscreen. When the last payment amortization information displays,
the program will return to the worksheet SUB-MENU. The "ESC" (escape)
feature was added in version 1.4x

When you select "1" from the Amortization sub-menu an entry blank
will appear and you can enter the ADDITIONAL PAYMENT AMOUNT, that
will be paid on the mortgage balance. The program will automatically
calculate the interest saving for the term of the loan.

When you select "2" from the Amortization sub-menu an entry blank
will appear and you can enter the SMALLER THAN NORMAL MORTGAGE
PAYMENT. The program will automatically calculate the balance due
(balloon payment) at the end of the term.

When you select "3" from the Amortization sub-menu an entry blank
will appear and you can enter the PAYMENT AMOUNT for a mortgage loan.
The program will automatically calculate the loan amount this payment
amount will pay-off. This will change the loan balance on this
worksheet only, it will not affect the amount in the other worksheets.
When you return to the Sales/Purchase or FHA worksheets the program will recalculate the loan balance based on the sales price and down payment
amount in these worksheets.

When you select "4" from the Amortization sub-menu, four (4) entry blanks
will appear. You can enter NEW INTEREST RATES for the 2nd, 3rd, 4th and
5th years of a adjustable rate mortgage. The program will calculate loan payments for the four (4) years, based on the loan balance, at the end
of each twelve (12) months period. If you enter an amount in the 3rd
years blank, the program will calculate a loan balance after the first
two (2) years, based on the beginning interest rate, then it will
calculate a payment for the 3rd year using the beginning balance
after two (2) years payments at the beginning balance rate.


<FHA> FHA WORKSHEET
If you type in "FHA" and then press ENTER, you will be switched to the
FHA ACQUISITION WORKSHEET. All the data and information you have
previously entered will be transferred into the FHA Worksheet. You
can the make any changes to the FHA Worksheet and then switch back
to the SALE/PURCHASE Worksheet by simply pressing "N" from the FHA
WORKSHEET sub-menu.







* Page 20

<N>New
If you type in "N" and then press ENTER, the program will step you through
all the program entry blanks and then calculate the Sales/Purchase Costs.
Selecting this menu item clears the current workscreen and all the current
entries. This option allows you to step through all the entry items without
having to select each entry item individually. This could also prevent you
from skipping an important entry.



<Q> QUIT
Press "Q" to return to the MAIN MENU.