Mary- The pdf995 "virtual printer" would be installed with the rest of your printer drivers in Windows. Then you would select that printer as your default printer in UFT Print Setup.
Print your Family Journal directly to this printer, not as "Print to File" in RTF format for MSWord. Pdf995 should create a large file in pdf format that can be opened in (free) Adobe Acrobat Reader. Recipients should then be able to print out their own books, if they desire
If you have been able to create one large file for your "real" printer - the one with ink or toner -, including Index and compressed Endnotes, you may be able to do the same in the pdf file.
pdfedit995 is not required unless you want to try to append additional pages to your report, or perhaps use other features it might have.
Other Ghostscript based pdf converters are available. Good luck, john