3. PERSONAL FINANCE SOFTWARE Personal Finance Software Personal Finance Software is a simplified accounting program that helps home users and small office/home office users balance their checkbooks, pay bills, track personal income and expenses, track investments, and evaluate financial plans.

5. LEGAL SOFTWARE Legal software Legal software assists in the preparation of legal documents and provides legal information to individuals, families, and small businesses. Legal software provides standard contracts and documents associated with buying, selling, and renting property, etc. By answering series of questions or completing a form, the legal software tailors the legal document to specific needs.

6. TAX PREPARATION SOFTWARE Tax preparation software can guide individuals, families, or small businesses through the process of filing federal taxes. These programs forecast tax liability and offer money-saving tax tips, designed to lower your tax bill. After you answer a series of questions and complete basic forms, the software analyses your tax forms to search for missed potential errors and deduction opportunities.

8. DESKTOP PUBLISHING SOFTWARE (FOR PERSONAL USE DESKTOP PUBLISHING SOFTWARE (FOR PERSONAL USE ) Personal DTP software helps home and small business users create newsletters, brochures, flyers, advertisements, postcards, greeting cards, letterhead, business cards, banners, calendars, logos, and Web pages. You also can import your own digital photos into the documents. These programs typically guide you through the development of a document by asking a series of questions. Then, you can print a finished publication on a color printer or post it on the Web. Many personal DTP programs also include paint/image editing software and photo editing and photo management software.

10. PAINT/IMAGE EDITING SOFTWARE (FOR PERSONAL USE) Personal paint/image editing software provides an easy-to-use interface; includes various simplified tools that allow you to draw pictures, shapes, and other images; and provides the capability of modifying existing graphics and photos. Personal photo editing software, a popular type of image editing software available both as packaged software and as Web applications, allows users to edit digital photos by removing red- eye, erasing blemishes, restoring aged photos, adding special effects, enhancing image quality, or creating electronic photo albums.

11. With photo management software, you can view, organize, sort, catalog, print, and share digital photos. Some photo editing software includes photo management functionality.

12. CLIP ART/IMAGE GALLERY Clip Art/Image Gallery Application software often includes a clip art/image gallery, which is a collection of clip art and photos. Some programs have links to additional clips available on the Web or are available as Web applications. You also can purchase clip art/image gallery software that contains thousands of images. In addition to clip art, many clip art/image galleries provide fonts, animations, sounds, video clips, and audio clips. You can use the images, fonts, and other items from the clip art/image gallery in all types of documents, including word processing, desktop publishing, spreadsheet, and presentations.

14. VIDEO AND AUDIO EDITING SOFTWARE (FOR PERSONAL USE) Many home users work with easy-to-use video and audio editing software, which is much simpler to use than its professional counterpart, for small-scale movie making projects. With these programs, home users can edit home movies, add music or other sounds to the video, and share their movies on the Web. Some operating systems include video editing and audio editing software.

16. HOME DESIGN/LANDSCAPING SOFTWARE Homeowners or potential homeowners can use home design/landscaping software to assist them with the design, remodeling, or improvement of a home, deck, or landscape. This software includes hundreds of predrawn plans that you can customize to meet your needs. These programs show changes to home designs and landscapes, allowing homeowners to preview proposed modifications.

17. TRAVEL AND MAPPING SOFTWARE Travel and mapping software enables users to view maps,determine route directions, and locate points of interest. Using travel and mapping software, which is available both as packaged software and as Web applications, you can display maps by searching for an address, postal code, telephone number, or point of interest (such as airports, lodging, and historical sites).Most programs also allow you to download construction reports and calculate mileage, time, and expenses.

18. REFERENCE AND EDUCATIONAL SOFTWARE Reference software provides valuable and thorough information for all individuals. Popular reference software includes encyclopedias, dictionaries, and health/medical guides. Educational software teaches a particular skill. Educational software exists for just about any subject, from learning how to type to learning how to cook to preparing for college entrance exams. Educational software often includes games and other content to make the learning experience more fun. Computer-based training (CBT) is a type of education in which students learn by using and completing exercises with instructional software. CBT typically consists of self-directed, self-paced instruction about a topic.

20. ENTERTAINMENT SOFTWARE Entertainment software for personal computers includes interactive games, videos, and other programs designed to support a hobby or provide amusement and enjoyment. For example, you might use entertainment software to play games individually or with others online, make a family tree, or fly an aircraft. Many games are available as Web applications, allowing you to play individually or with other online players.