* If document rights are enabled, you can save your completed form using Adobe Reader Reader 5.1 or higher. 5.1 or higher.* If document rights are not enabled, you will be unable to save a copy of the filled-in form. You can, however, print out a form you've filled in.

To complete forms without fill-in fields, print them out and complete them by hand or with a typewriter.

Saving a Filled-In Form

Newer government agency forms are enabled with "document rights" that let you save your filled-in form to your hard disk. If this feature is available, you will see a document rights message box when you open the form in Reader Reader.

If you are using an earlier version of Adobe Reader Reader, you will be prompted to download a newer version. You will be unable to save forms that do not have document rights enabled, but you can print them.

Forms without fill-in text fields cannot be filled out using your computer. To create your document using these files, you must: 1. Open the file.2. Print it out.3. Complete it by hand or typewriter.

Listening to the Audio Files

This section explains how to use your computer's media player to listen to the audio files. All audio files are in MP3 format. (Most computers come with a media player that plays MP3 files.) For example, "Househunting, an interview with Mark Nash" is on the file "HTBH_MarkNash.mp3." At the end of this appendix, you'll see a list of the audio files and their file names.

You can listen to files that you have installed on your computer, or you can listen without having installed the files to your hard disk. (See "Playing the Audio Files Without Installing," below).

Please keep in mind that these are general instructions-because every media player is unique, these steps may not mirror the steps you need to follow to use your player. Please do not contact Nolo's technical support if you are having difficulty using your media player.

Listening to Audio Files You've Installed on Your Computer

There are two ways to listen to the audio files that you have installed on your computer.

* Windows users can open a file by selecting its "shortcut" as follows: (1) Click the Windows Start Start button, (2) open the button, (2) open the Programs Programs folder, (3) open the folder, (3) open the Homebuyer's Toolkit Homebuyer's Toolkit subfolder, (4) open the subfolder, (4) open the Audio Audio subfolder, and (5) click the shortcut to the audio segment you want to hear. subfolder, and (5) click the shortcut to the audio segment you want to hear.* Both Windows and Macintosh users can open a file directly by double-clicking it. Use My Computer My Computer or Windows or Windows Explorer Explorer (Windows 2000, XP, and Vista) or the (Windows 2000, XP, and Vista) or the Finder Finder (Macintosh) to go to the folder in which you installed or copied the CD-ROM's files. Then, double-click the MP3 file you want to hear. (Macintosh) to go to the folder in which you installed or copied the CD-ROM's files. Then, double-click the MP3 file you want to hear.

Playing the Audio Files Without Installing

If you don't want to copy 39MB of audio files to your hard disk, you can "play" the CD on your computer. Here's how: Windows users

* Insert the CD-ROM to view the Welcome to Homebuyer's Toolkit CD Welcome to Homebuyer's Toolkit CD window. (If nothing happens when you insert the CD-ROM, double-click the window. (If nothing happens when you insert the CD-ROM, double-click the My Computer My Computer icon, double-click the icon for the CD-ROM drive into which the CD-ROM was inserted, and double-click the file "WELCOME.EXE.") icon, double-click the icon for the CD-ROM drive into which the CD-ROM was inserted, and double-click the file "WELCOME.EXE.")* Click Listen to Audio Listen to Audio.

Macintosh users

* Insert the CD-ROM. If the Homebuyer's Toolkit CD Homebuyer's Toolkit CD window does not open, open it by double-clicking the window does not open, open it by double-clicking the Homebuyer's Toolkit CD Homebuyer's Toolkit CD icon. icon.* Open the Homebuyer's Audio Homebuyer's Audio folder by double-clicking the folder by double-clicking the Homebuyer's Audio Homebuyer's Audio icon. icon.* Double-click the audio file you want to hear.

List of Files on the CD-ROM

The following files are in portable document format (PDF):

The following files are in rich text format (RTF):

The following files are audio (MP3 format):

Index

A.

Accessibility and services, as neighborhood choice priority

Accountants

tax professionals

when to use

Accredited Buyer Representative Managers (ABRMs)

Accredited Buyer Representatives (ABRs)

Actual cash value coverage, hazard insurance

Adjustable rate mortgages (ARMs)

adjustment periods

assumability

features to examine

FHA loans as

home equity lines of credit as

hybrid loans

indexes