Dear Ann,

Find someone that will allow you to place a charge on their MasterCard or 
Visa.  Go DIRECTLY to Henter-Joyce and purchase jfw.  You go through a store 
or vendor and they are going to mark the product up anywhere from 2 to 20 
percent above the actual price.  Make an agreement that you will pay them so 
much a month, including the interest charged against their credit card for 
your loan.  I did and got jfw for about $900.00, including the Software 
Maintenance Agreement (SMA).  I am not stating that HJ will sell for that 
exact price, as jfw may have gone up, but that's what I got it for about a 
year ago.  I got the new release for no cost under the SMA and still have 2 
more releases to go at no cost.  My agreement was for $50 a month plus the 
interest billed -- comes to about $57 a month and I'm over half way done 
paying and the big plus -- enjoying jfw right now!!!!!!!

Good Luck,

John
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Visit the jfw ml web page: http://jfw.cjb.net

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