This invention has two synergistic elements for simultaneous use in point-of-care or field analyses of diverse substances important to clinical medicine and other applications. The first element is a sample holder in which are stored the several reagents need for quantification of target molecules. The onboard storage of reagents in a water soluble plastic obviates the need for purchase, storage, measuring and mixing of the required reagents prior to analyses. The second part of the invention is a compact hand-held analyzer made of modern miniature optical components, into which the holder is inserted right after it is loaded with a sample by capillary action. The combination of the holder and analyzer permits analyses that are ten times faster than those done with current analyzers, and equally accurate. Analyses can be performed by diverse people, who require only a few minutes of training in the use of the entire invention.