            
		     Additional Information
			 about
		          Cashflow Plan
		  Free, Trial & Full Versions


			Contents
			=======

1.      Introduction to Cashflow Plan
2.      Getting Business Advice
3.      Upgrading from Shareware Version
4.      Benefits of Upgrading Shareware Version
5.      Registering the Freeware version
6.      Installing & Running Cashflow Plan
7.      Your Master Copy of Cashflow Plan
8.      Operational Hints & Tips5
9.      Uninstalling Cashflow Plan
10.     Accessing Help
11.     Revision History
12.     Other Planning Products - Exl-Plan
13.     Contact Details

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		CONTENTS OF PACKAGE

Cashflow Plan, a fully-integrated cash flow planner for Excel. 
(file: CASHPLAN.XLS).

On-line help for Cashflow Plan containing over a hundred 
topics. (file: CASH*.HLP).

Comprehensive manual incorporating the contents of on-line 
help. (file: MANUAL.DOC)

Four tutorials on setting up Excel, the basics, getting started and using 
Quik-Plan. (files:  EXL_*.SWF and EXL_*.HTM). Macromedia Flash Player 
required  available from <http://www.macromedia.com/go/getflashplayer>.

Cashflow Plan Consolidator (US/Canadian and UK/International 
formats) for consolidating projections for multiple subsidiaries. 
Only supplied with Super and Ultra versions. (file: CON*.XLS)

Cashflow Plan Consolidator Guide supplied with Super and 
Ultra versions: (file: CONSOLIDATOR GUIDE.DOC)


Once Cashflow Plan has been installed, all the foregoing 
items can be accessed from the Cashflow Plan option within 
the Programs menu or directly from the folder specified during 
installation.

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1. Introduction to Cashflow Plan
========================
Cashflow Plan is a range of powerful, easy-to-use software 
packages for preparing comprehensive monthly cashflow 
projections for budgets, business plans, fund raising etc. for
12 months ahead for young & established businesses of all 
sizes and types. It incorporates a roll-forward facility to 
simplify the updating of projections on a monthly basis.

This shareware ("trial") release of Cashflow Plan is freely 
distributable but refer to the file LICENSE.TXT for full 
details.

Cashflow Plan will be especially useful to businesses 
operating with tight profit margins; or having limited 
financial resources; or planning for growth or radical 
change; or raising short-term finance; or compiling cash 
budgets; or preparing business improvement plans and so 
on. For these businesses, Cashflow Plan will help 
management to plan cash requirements and thereby 
improve control over cashflows and conserve their cash 
resources. 

Cashflow Plan is primarily a workbook file which runs on the 
best-selling Excel spreadsheet from Microsoft. As Cashflow 
Plan incorporates extensive formulae and pre-programmed 
menus and buttons only a very basic knowledge of Excel is 
required to prepare highly professional and presentable 
cashflow projections. Advanced Excel users can utilize their 
expertise to enhance and expand Cashflow Plan to meet 
their particular needs.

Cashflow Plan requires Microsoft Excel releases 5, 7, 8, 95, 
97, 2000, XP or 2003 for Windows 95/98/NT/2000/XP.

Cashflow Plan is available in five versions (Micro, Lite, 
Plus, Super and Ultra) as well as a freeware version (Free) 
which is based on Micro and can be used to make 6-month 
projections . Each version can handle either 
UK/International or US/Canadian accounting conventions. All
versions have the flexibility to handle manufacturing, 
distribution and service businesses and are suitable for 
established businesses as well as new start-ups and 
strategic business units within major corporations. 
Cashflow Plan is also ideal for use by professional advisers, 
consultants, training organizations, financial institutions 
and enterprise support agencies.

Cashflow Plan is pre-formatted to handle the very wide range 
of the variables and functions normally encountered when 
preparing cashflow and financial projections. Based on the 
monthly assumptions entered by the user, it compiles detailed,
fully-integrated financial projections for the coming year on
a monthly basis. It produces 20+ pro-forma financial 
and management reports together with numerous graphs for 
key variables.

In addition to its roll-forward facility, Cashflow Plan 
contains numerous other tools for accelerating the process 
of preparing projections and for undertaking global or 
specific "what-if" sensitivity analyses.

Also, the Super and Ultra versions of Cashflow Plan incorporate 
a tool to help consolidate monthly and full-year pro-forma financial 
projections for multiple subsidiaries generated by Cashflow Plan.  
Cashflow Plan Consolidator is powerful and flexible and very easy 
and speedy to use on a regular basis. For more information, see 
the Consolidator Guide (Word document) accompanying 
Cashflow Plan Super and Ultra, or available from PlanWares 
website at <http://www.planware.org/cashsupport.htm>.

Cashflow Plan is easy-to-use because all the formulae for 
financial calculations are pre-written; reports are pre-
formatted and clearly laid out; menu structures follow 
logical sequences; and online help is available to the user at
all stages. For experienced users of Excel, Cashflow Plan 
offers a familiar environment which can be tailored and 
expanded to meet specialist needs and utilize existing 
spreadsheet-based data without the need to get involved in 
any extensive import/export procedures.

For latest information about Cashflow Plan, visit our web site 
at <http://www.planware.org>.

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2. Getting Business Advice
====================
If you need business-related advice about preparing cashflow 
projections, managing working capital, writing a business 
plan, developing a business strategy, raising finance etc., 
be sure to visit the PlanWare web site at 
<http://www.planware.org> which contains substantial 
guidance and advice in the form of white papers and other 
facilities and resources.

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3. Upgrading from Shareware Version
===========================

The following table summarizes the prices (inclusive of 
worldwide mail delivery) for upgrading a shareware version of 
Cashflow Plan:

Cashflow Plan Micro	US$ 39
Cashflow Plan Lite		US$ 79
Cashflow Plan Plus		US$ 119
Cashflow Plan Super            US$ 159
Cashflow Plan Ultra             US$ 199
Copy of manual (optional)	US$ 20

A downloaded shareware copy can be upgraded to its equivalent
fully-operational commercial version by arranging payment and
swapping the Upgrade Code Number (on FRONT sheet) for an
Unlock Code by e-mail, fax, post etc.

For further upgrade details, refer to the shareware-related
items in the *Cash Help menu; the UPGRADE worksheet; the
ORDER.DOC file; or upgrade page at 
<http://www.planware.org/cashupgr.htm>.

The content of the 130-page printed spiral-bound manual is 
virtually identical to that contained in the on-line help 
system and MANUAL.DOC file supplied with shareware versions.

Note that you cannot remotely upgrade and simultaneously
switch versions. If you wish to remotely upgrade to a 
different version, you must first download the shareware 
equivalent of the desired version via our web site at 
<http://www.planware.org>. 

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4. Benefits of Upgrading Shareware Version
================================
Use of the shareware version of Cashflow Plan for any purpose
except evaluation is NOT permitted under the terms of the
Shareware License Agreement.

If Cashflow Plan is suitable to your needs there are many 
positive benefits of registering including:

       * Unlocking of the trial copy and/or securement of a 
          fully-operational copy.
       * Option to acquire a 130-page spiral bound manual.
       * Access to support by phone, fax and e-mail.
       * Securement of the latest version of Cashflow Plan.
       * Details of upgrades, user tips etc.

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5. Registering the Freeware version
==========================
No fee is required to register Cashflow Plan Free. In return for 
registration, you will receive an unique Upgrade Code Number 
which will unlock your copy of Free. That's it ! No strings attached.

To register, you need to install and run Cashflow Plan Free and 
get the unique Registration Code Number from the top right corner 
of its FRONT worksheet. Then select from the following alternative
methods:

1. Send e-mail to <cashfree@planware.org> quoting this code in the 
body of the message.
2. Visit PlanWare's site at <http://www.planware.org/cashfree.htm> 
and enter this code in the form there.
3. Send a fax to +353-1-278 2391 quoting the code. Note: Replace 
+ in this fax number by the appropriate international access code 
(e.g. 011 for the USA, 00 for the UK and many other countries).

In normal circumstances an Unlock Code Number will be dispatched 
within twelve hours or less depending on the time of day, time zone 
and day of week. If a response has not been secured within 36 hours, 
double-check your e-mail address and submit a further registration 
request.

Cashflow Plan Free is unsupported. For assistance, refer to the 
Frequently Asked Questions at: 
<http://www.planware.org/cashfaq.htm>.

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6. Installing & Running Cashflow Plan
===========================
IMPORTANT: Cashflow Plan must always be installed from 
supplied installation disk(s) or via a downloaded installation 
file. It will not operate correctly if it is installed by 
simply transferring an Cashflow Plan workbook file from one PC 
to another.

Install Cashflow Plan from supplied 3.5" disks or from a
distribution file downloaded from the Internet. You will need
up to 16 Mb of hard disk space.

To install Cashflow Plan, run the CASH*.EXE file via Run within
the Program Manager or Start menu. You will be guided by 
extensive on-screen instructions.

To run Cashflow Plan, proceed as follows:

a) Select Cashflow Plan from the Start, Programs menu 
(W95/98/NT/2000/XP).

    or

b) Load Excel and open the CASHPLAN.XLS file within Cashflow 
Plan's CASH* subdirectory or folder at the location specified 
by the user during the initial installation of Cashflow Plan. 
 
Loading Cashflow Plan for the first time takes a few minutes 
while it goes through its setup routines - resetting its 
toolbar, making backups etc. On subsequent occasions, it 
loads much more quickly.

                                                       
	Loading & Running Problems & Solutions
	=============================
                                                    
	For guidance on resolving problems, refer to the 
	accompanying README.DOC file at the section about
	Installing & Running Cashflow Plan. This file is 
	accessable once Cashflow Plan has been installed 
	by running the accompanying CASH-PLAN.EXE file. 
                                                     
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7. Your Master Copy of Cashflow Plan
============================
If Cashflow Plan was secured as shareware and subsequently 
upgraded remotely via Invest-Tech, the upgraded Cashflow Plan 
workbook file (usually CASHPLAN.XLS) should be kept safe and 
intact as the primary master version of Cashflow Plan.

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8. Operational Hints & Tips
====================
Refer to the README.DOC file which is accessible once Cashflow
Plan has been installed. Also, see the Frequently Asked 
Questions page at <http://www.planware.org/cashfaq.htm>.

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9. Uninstalling Cashflow Plan
=====================

Using Windows 95/98/NT/2000/XP:

1. Press Start and then select Settings, Control Panel,
Add/Remove Programs.
2. Scroll down to Cashflow Plan, press Add/Remove and follow
on-screen instructions.

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10. Accessing Help
==============
Cashflow Plan's very extensive online help system replicates 
the contents of its optional 115/125-page bound manual. It
contains over 130 different topics with extensive linking and
indexing. It also includes four Flash-based tutorials dealing with setting
up Excel, the basics, getting started and using Quik-Plan.

The supplied MANUAL.DOC file contains the full contents of the 
printed manual and online help.

Online help can be run directly from outside Excel via Start > Programs
 > Cashflow Plan Help (W95/98/NT/2000/XP).

In addition, it can be accessed by clicking the Help Contents
button on Cashflow Plan's FRONT worksheet or by selecting the
Help-Contents option from the *Cash Help menu.

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11. Revision History
==============

1.1 - First definitive releases of Cashflow Plan Micro, Lite, 
Plus, Super and Ultra for Excel 5, 7, 8, 95, 97, 2000, XP or 2003 
for Windows 3.1, 95/98/NT/2000/XP.

1.2  Fixed some minor errors in balance sheets when using 
UK/International format. These errors did not arise when using 
Cashflow Plan with the US/Canadian format. 

1.3  Lots of small changes and improvements including:
 Creation of freeware version.
 Addition of a comprehensive consolidation facility for the Super 
and Ultra versions.
 Addition of Cashflow Improver to all versions.
 Enhancements to Super and Ultra to handle purchases of 
intangible assets and minority interests in subsidiaries.
 Changes to all versions to permit use of the F9 function key in 
other workbooks which are open at the same time as 
Cashflow Plan; to switch Excel (back) to automatic calculation 
mode as soon as  Cashflow Plan is closed; and to improve copying 
and pasting between worksheets within Cashflow Plan and 
between Cashflow Plan and other workbooks. 
 Addition of a facility within Ultra for fine tuning payments 
relating to monthly receivables and payables.


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12. Other Planning Products - Exl-Plan
============================

By design, Cashflow Plan concentrates on shorter term 
cashflow planning. It is complemented by Invest-Tech's 
Exl-Plan range which is a more extensive business and 
financial planning tool primarily intended for longer term 
business, financial and strategic planning.

Exl-Plan comprises a series of powerful, easy-to-use, Excel-
based software packages for preparing fully-integrated, 
comprehensive financial projections for raising finance, 
budgeting and business planning covering time horizons from 
three to seven years ahead. They can also be used as 
a tool for strategic and corporate planning, business 
restructuring, financial appraisals and performance 
monitoring within almost any size of business. 

The Exl-Plan range (Micro, Lite, Pro, Super, Super Plus, 
Ultra and Ultra Plus) is available using either 
UK/International or US/ Canadian accounting conventions - 
fourteen variants in all. These have the flexibility to 
handle manufacturing, distribution and service businesses 
and are suitable for established firms as well as for 
new ventures and strategic business units within major 
corporations. Exl-Plan can accommodate business with 
annual sales ranging from about $/£ 50,000 up to 
$/£ 100 million or more. 

Each version of Exl-Plan comprises several integrated 
sub-models residing within the main financial model. 
These cover one/three/five/seven year forecasting 
periods as follows: 

- Detailed assumptions and projections for the initial 
  12 months (36 months with Ultra & Ultra Plus)

- Annualized projections based on the monthly projections

- Less detailed quarterly assumptions and projections 
  for the second and third years (fourth and fifth years 
  with Ultra & Ultra Plus)
 
- Annualized projections based on the monthly & quarterly 
  projections

- Projections for fourth & fifth years based on simplified 
  annual assumptions for Pro, Super and Super Plus (sixth/
  seventh years for Ultra and Ultra Plus). 

Projected profit and loss accounts (income statements), 
cashflows, balance sheets and ratio analyses are generated 
for each month, quarter and year. Output from Exl-Plan 
includes:

- Over thirty pro-forma reports containing assumptions, 
  profit and loss accounts, cashflow projections & 
  statements, balance sheets, performance reviews and 
  summaries for months, quarters and years. (Sixty reports 
  with Ultra & Ultra Plus).

- Nineteen separate charts graphing key projections, ratios 
  etc. for months, quarters and years for over 100 variables. 

Further details and trial-version downloads can be obtained 
from the PlanWare website at 
<http://www.planware.org/exlplan.htm>.

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13. Contact Details
==============
Contact details for the author of Cashflow Plan are as follows:

	PlanWare
	Invest-Tech Limited
	27 Ardmeen Park
	Blackrock
	Co Dublin
	Ireland

	Tel: + 353-1-283 4083
	Fax: + 353-1-278 2391
	(Replace + by international access code)

	E-mail: <info@planware.org>

	Web: <http://www.planware.org>

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End of Readme


