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VENDOR.TXT - File for Distributors of Shareware
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     This file is provided to explain the benefits of this shareware program
     for distributors and users of the program. A the end will be a short
     and longer version of a suggested layout for a catalog listing and/or
     advertising copy to promote this program.

     Retirement Planning is becomming more and more complex due to the 
     numerous changes in Tax Laws and the differenct types of retirement
     benefits available. Social Security, Personal Savings and Business
     Retirement Programs are usually what compromise the retirement benefits
     a person gets. Now since people are living longer, retirement benefits
     are of prime importance to most individuals. A big fear is outliving
     your income benefits. To add to the problem, most retirement programs,
     includeing IRA, 401K, and other company benefit programs do not have
     a defined retirement benefit (not even considering the impact of increases
     in the cost of living), but pay benefits depending on the results of the
     investment performance of the program. Future availablility of Social 
     Security benefits are also a question. 

     Individuals are more and more responsible to insure they have sufficient
     assets to support themselves in retirement. 

     This program is designed to help them to reach their retirement goal.
     They need to know where they are and if what their doing leads to the
     desired retirement goal. By using this program all these questions can 
     be answered. They can monitor their progress as ofter as they like,
     because they have the tool to do it with this program. 

     If retirement planning is important to them, ordering and reviewing this
     program as shareware is a valuable and desired asset for their personal
     retirement planning. This type of program according to financial planning
     research is desired and needed, it will also give added utility for
     purchasing and using a personal computer.

     This program is always being revised because of changes in the tax laws
     and improvement suggestions from users. Updated versions (and newly
     developed programs) will be supplied to distributors which express an
     interest or who market the program.





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Suggested Layouts:
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Short version: 
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 FPLAN - RETIREMENT PLANNER: Comprehensive planning application. Retire
                             financially secure with it.

Longer version:
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 FPLAN - RETIREMENT PLANNER: by First Financial Software is a total retirement
 planner designed for easy use. Included are automatic demonstrations for each
 of the functions to familiarize you with the program. All of your data, from
 a comprehensive questionnaire, can be entered into the program to determine
 the status of your desired retirement situation and printed out. Great for 
 helping you achieve your retirement goals.

  (This file should be deleted from retail distributation copies of program.)
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