BILLS TO PAY READ MEWelcome to Bills to Payª from MAR Software. Bills to Pay is a bill management system that allows you to track bills you customarily pay, expenses you incur such as credit card charges, ATM withdrawals, grocery lists, expenses associated with business trips, or just about any type of expense or budgeting projection you can think of. Bills to Pay can be customized to your needs and offers an alarm feature to alert you of bill due dates. For those of you who use Pocket Moneyª by Hardy Macia, Bills to Pay can send items from your Bills Lists to any Pocket Money account you designate, and can also look up and use balances from any of your Pocket Money accounts.WhatÕs New in Version 2.5¥ Floating button lets you access Bills to Pay quickly.¥ Post Bill Items to the Calendar.¥ Send Bills Lists to the Notepad.¥ Improved alarms, including a Preference option for displaying and/or clearing all active Bills to Pay alarms.¥ Improved balance and total display options.¥ New printing formats: Bills List and Unpaid Bills.¥ Support for the Intelligent Assistant.¥ Expanded help file in Newton Book format. Once you no longer need the help book, you can remove it. This saves on internal storage space and makes the application faster when opening.¥ Streamlined application uses less space on your storage card.¥ Detailed, fully illustrated electronic User Manual, QuickStart card, and a tutorial to get you started.Using Bills to PayBills to Pay has as many uses as there are users. It was designed to track upcoming monthly bills and expenses, however our users have found that it works well in a multitude of other ways. Below are some popular uses of the software:Tracking Expenses.¥	Monthly bill payments: donÕt incur late charges or avoidable bank fees any more. Let the Bills to Pay alarms warn you of upcoming bills or post-dated checks.¥	Trip expenses: track the cost of meals, accommodation, mileage, etc. while traveling for pleasure or business.¥	Daily expenses: keep track of what really happens to those $50 you withdraw from the ATM every few days. You will then have accurate information to enter into your financial management program, instead of the usual guesses.¥	Shopping /Grocery/Holiday lists: keep yourself focused while you shop by buying the items on your list, or, keep from fainting at the register by entering the amount of each item as you pick it up. ItÕs also a good way of not forgetting anyone on your holiday gift list, and lets you budget your holiday spending in advance.Tracking Accounts¥	Credit card charges: keep a list of credit card charges to compare with your monthly statements.¥	ATM withdrawals: keep a list of withdrawal amounts and dates to compare with your monthly bank statements. In an effort to conserve our environment, some ATM providers are making paper transaction receipts optional. Now, you can do your part.Tracking Birthdays¥	Birthdays and gift costs: one en“terprising grandmother keeps a list of her grandchildrenÕs birthdays, complete with alarms, so she doesnÕt miss anyone. When she purchases a gift, she enters the amount of the gift for reference. Budgeting¥	Plan your monthly budgets using a different list for each month. Before You InstallIf you are upgrading from Bills to Pay 2.3 or earlier, you must remove the  previous version  before installing version 2.5. Removing the Bills to Pay program will not cause you to lose any lists you have already created in version 2.3 or earlier, however, in the interest of caution (and perhaps because we just know you havenÕt done it in a while) we strongly recommend that you back up or synchronize your Newton before proceeding. RegistrationBills to Pay is shareware. You may use it free for 60 days, after which time it will expire. To continue using it, you must register your copy by sending in your registration fee of $25.00. The fee for upgrading from version 2.3 or earlier is $10.00. Please send your checkÑin US Funds drawn on a US bank onlyÑto the address below.MAR SoftwareATTN: Edward Martin (please make checks payable to Edward Martin)1801 Shore Line DriveSuite 231BAlameda, CA 94501NOTE: Please make checks payable to Edward Martin and be sure to include your e-mail and/or street address so we can send your registration number out promptly. You will then obtain a registration number that will allow you to continue using Bills to Pay.For those who prefer to pay by credit card, Newton Registerª is a Newton shareware program written by Flash Sheridan that lets you pay  for Bills to Pay with your credit card via electronic mail.  Your payment will be sent to the Kagi Shareware clearing house and forwarded, minus a percentage, to the author of Bills to Pay. If you use a credit card for payment, the registration fee for Bills to Pay is $29.00, or the upgrade fee of $12. You can also register online in Compuserve by using Go SWREG and searching for Bills to Pay. The registration fee of $29.00, or the upgrade fee of $12 will be charged to your account.DocumentationIn addition to this Read Me file, MAR Software is providing a QuickStart Card and a detailed, fully--illustrated user manual in Adobe Acrobatª format. To view and print the manual and QuickStart card, you will need to download the Acrobat Readerª from the Adobe forum in your favorite online service. The reader is available at no charge to you.MAR Software also provides online help for Bills to Pay in the form of a Newton book. This feature is helpful in two ways: 1) once you no longer need the help file you can remove it and free up valuable memory; and 2) having the help separate speeds up the opening of the application.We at MAR Software would like to thank you for choosing Bills to Pay and we invite your comments and suggestions regarding our product. Please address all correspondence to Edward Martin at:AOL	MartinEdNewton Mail/eWorld	EdMartinCompuServe	76502,13or by U. S. Mail to:MAR Software1801 Shore Line DriveSuite 231BAlameda, CA 94501U. S. A.ATTN: Edward Martin