This file is intended to provide information to you, the BBS systems
operator about THE SMART HOMEOWNER. Thank you for your support of shareware
and for considering this product.

BRIEF DESCRIPTION OF THE PROGRAM

Save money by reaching the right home buying, selling or renting decision!
Buy or rent, sell or rent, smart prepayment, loan choices, home equity
options, PMI removal etc. are analyzed in an intuitive, easy-to-use manner.
Features adjustable rates and data saving options, with full on-line help.

TERMS OF DISTRIBUTION

I wish to reach the largest possible audience. Please feel free to
distribute copies of this disk as long as you :

- identify it as shareware
- leave all copyright notices in place

A note from you outlining which BBS this product has been uploaded to, will
be greatly appreciated. Updated versions of this software will be mailed to
every sysop who will support this product by uploading to bulletin boards
(please let me know if you do). In addition, if I decide that an update is
warranted, based on user comments or otherwise, all registered users will
be mailed a copy directly by the author.

GENERAL INFORMATION

The enclosed file HOME.ZIP contains all the files needed to run The Smart
Homeowner, in addition to the user manual. Please see the file README.1ST
for more information.


BENEFITS OF CARRYING THE SMART HOMEOWNER

THE SMART HOMEOWNER analyses the what-if decisions that an owner, seller or
buyer is likely to face in the course of his lifetime. An hour of what-if
scenarios with this program will return the user a hundred times the cost
of this product. The target audience for this package is thus virtually
every adult interested in buying, owning, renting or selling a home.

THE SMART HOMEOWNER offers buy-rent, sell-rent, prepayment options, home-
equity loan analysis, maximum permissible home purchase price, PMI removal
analysis in an affordable package in an easy-to-use-and-follow manner, in
addition to amortization and refinancing analysis provided in other
software products. THE SMART HOMEOWNER fills the void between retail
software providing some of the analysis provided here and specialized
software that is geared for use by the mortgage professional. The program
also analyzes reverse mortgages, whose popularity is expected to increase in
the nineties. The package has full on-line help for each entry requested of
the user, and allows the user to save multiple scenarios.

MAJOR ANTICIPATED FUTURE RELEASES

Version 2.0 running on MS-Windows
Related financial-decisions oriented products


Thank You,

Anjan Ghose
IEG Consultants
PO Box 26931
San Jose, CA 95159
(408)294-7631