INTRODUCTION
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You may freely distribute this DEMO version of Netsheet.

This program is used professionally by Century21, Coldwell Banker, ReMax, 
along with many mortgage bankers. Netsheet 4.0 creates "Estimated Sales Expense 
Sheets" (good faith / closing statements).  


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GLOSSARY

1.1A    ---    INSTALLATION
2.2A    ---    DESCRIPTION
3.3A    ---    ADDITIONAL WINDOWS FUNCTIONS
4.1A    ---    AUTOMATIC CALCULATIONS PERFORMED
5.1A    ---    TROUBLE SHOOTING
6.1A    ---    DISCLAIMER
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1.1A    ---    INSTALLATION
=================================================================
START: Begin running Windows

MOST IMPORTANTLY as a standard way of installing new software on your 
system you may want to adopt the following pre-installation process
so all your installations go smoothly.

Pre-install Step 1.) Close all running programs except "Program Manager"
                     to see what programs are running in memory press
                     and hold down the control key (i.e. "Ctrl") and the
                     Escape key (i.e. "Esc"). The Windows Task list will
                     appear.  Double click on, and close all the
                     programs running except "Program Manager".

Now you are ready to install any program onto your system.

=====================
Install Netsheet 4.0
=====================
Step 1.) From the File menu of the "Program Manager" select Run with
         your mouse.

Step 2.) <type the following in the "Command line:" Edit Box>
         a:\setup.exe <then press the enter key on your keyboard>
         If you did not receive this program from direct mail or you
	 downloaded it from a network or BBS, you will need to type 
	 the path to the directory where you unzipped the file.

Step 3.) Next read the automated installation screens you will see and
         you are DONE.


2.2A    ---    DESCRIPTION
=================================================================
NetSheet 4.0

About Netsheet
It is the intent of this release to bring the complexities of closing 
mathematics down to "the-click-of-a-button". This release of Netsheet 
covers Conventional, FHA, and VA loans. Mortgages in the United States 
will fall under one of these three categories.  You do not have to be a 
Pro to output accurate numbers.

More Info
If there are calculations in your state that are done on a sliding scale, 
you will be unable to calculate them automatically.  For example, if 
title insurance falls into this category, go to the formulas dialog
box and set the title insurance formula to zero. Then manually enter 
the sliding scale number on the netsheet. 


	 If your state requires different topic headings.
	 If you need to replace topic headings for different loan configurations.
	 If you need to set the topic headings for different property types.

Try this practice example below to customize the netsheet to add the 
topic "Assoc. fee".

Practice example: (changing topic headings)
Step1)	Go to the main Netsheet and scroll down to the bottom by clicking 
	the down arrow at the lower-right side of the screen.
Step2)	Double-click the left mouse button on the Topic that reads "Other" 
	in the monthly payment section.
Step3)	Once the area becomes highlighted, type Assoc. fee and hit enter.

Step4)	Then select the menu File and then Save As, and save it as 
	condo.net.

Now, whenever you are buying, selling, or listing a property with association fees, just open the 
condo.net file you just created.  It is recommended that you make default files for all your different 
types of closings ("condo.net", "singlefam.net", and so on).


The only thing that separates top producers from others is the tools they use and the commitment they 
have to be the best.  Real Tools proudly invested large capital to set this deal-making-tool at your 
fingertips. This program will pay for itself in one transaction and you will still be using it years from 
now. We look forward to bringing you more products and we thank all of you who have supported 
us. 


3.3A    ---    ADDITIONAL WINDOWS FUNCTIONS
=================================================================
Additional windows features included:

Company Logo designer function       |    Automated tour
Calculator                           |    Calendar
Notepad                              |    On-line Help


4.1A    ---    AUTOMATIC CALCULATIONS PERFORMED
=================================================================
All of the following are calculated automatically:

  Loan Amount	                     | Title Insurance
  Documentary stamps on the deed     | Real Estate commission
  Sellers property taxes at closing  | Buyers property taxes at closing
  Documentary stamps on the note     | Intangible tax
  Loan discount points               | Interim interest due at closing
  Private mortgage Insurance (PMI)   | Total expenses buyer / seller
  Net proceeds to the seller         | Total due at closing from buyer

     --------------------------------------------------------
       Buyer monthly payments including:
       -    Principle and Interest
       -    Taxes
       -    Home Owners insurance
       -    Flood Insurance
       -    Mortgage Insurance
       -    Other (this can be used to enter association fees or maintenance)
       -    Total Monthly Payment


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5.1A TROUBLE SHOOTING
===========================================================================


===========================================================================
  Problem Topics

   1 Program will not install and I get a message "setup1.exe" is write
     protected.
   
   2 Program will not install
   ===================================================================================

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1.)
Problem:  Program will not install and I get a message "setup1.exe" is write
          protected.

Identify: Some programmers try to booby trap your setup1.exe to prevent other 
          programmers from installing their competing programs.

Solution: A.) find the file "setup1.exe" in your 'c:\windows\ " directory
              by using the file manager.  Select the file with the mouse
              then select attributes from the file menu and clear the 
              read-only attribute, then click the "OK" button.

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2.)
Problem:  Program will not install

Identify: You probably have another VB program running.

Solution: A.) Close all other programs except the Program Manager and or
              the File Manager, then re-install.

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6.1A DISCLAIMER (LIMITATIONS OF LIABILITY)
=================================================================
LIMITATION OF LIABILITY
While every reasonable precaution has been taken in the preparation 
of this premium, the authors and the publisher assume no 
responsibility for errors or omissions or for the uses made of the 
material contained herein or for the decisions based on such use.  
No warranties are made, express or implied, with regard to the 
contents of this work, its merchantability, or fitness for a 
particular purpose.  Neither the authors or the publishers shall be 
liable for direct, indirect, special, incidental, or consequential 
damages arising out of the use of or inability to use the contents 
of this premium.  This premium may not be copied, reproduced, 
translated, or reduced to any electronic medium or machine-readable 
form, in whole or in part, without the written consent of 
Real Tools.  Copyright 1995 Real Tools,  All rights reserved.


Risk-Free Return Guarantee
==================================================================
Our Policy is, and has always been, to satisfy every customer. 
That's why we offer a 30 day, risk-free guarantee and stand behind
every purchase, we'll gladly refund your money, less shipping cost.
We do ask, however, that you call us at 813-237-3728 to receive
a RA (Return Authorization) number and return all disk, registration 
cards, box and packing materials to us within 30 days of Real Tools
original ship date.  These materials must be in new condition or we
regret that we cannot accept the merchandise for return.  We reserve 
the right to refuse for return damaged or incomplete returns and may
charge up to a 20% restocking fee for damaged or incomplete returns.

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For more info write:

Real Tools
5609 N. Mckay Ave
Tampa, Florida 33603
