o=o=o=o=o=› ›   BANK ACCOUNT SUMMARY FOR BCALC› ›          By Frank Walters› ›   BANKS.BC  is  a  template file for› BCALC  spreadsheet.  BCALC, by Barry› Kolbe   and   Bryan   Schappel,  was› published  in ANALOG magazine, issue› 63, August 1988.› › PURPOSE OF BANKS.BC:› ›   Summarizes    all   your   banking› accounts,     including     savings,› checking    and    certificates   of› deposit,   etc.   You   update   the› balances  each month and it computes› your projected interest for the next› month and adds all your balances and› projected  annual  interest  income.› Keep track of your money!› › SETUP:› ›   Load   BCALC.COM  into  any  Atari› 8-bit  computer with BASIC disabled.› Minimum of 48k required. From BCALC,› press any key and then SELECT, which› allows   commands   from   the  text› window.  Type  LOAD  D:BANKS.BC  and› press  Return  to load the file from› drive 1.› ›   AA01 includes printer codes to set› Elite   pitch   [ESC+M]  and  double› strike  [ESC+G] for Epson compatible› printers.   Edit  these  to  set  96› columns  for your printer, since the› spreadsheet   is  too  wide  for  80› columns.› ›   Edit  AC01  to reflect the current› date   of   update.   AA02  has  the› filename.› ›   The  template  has space for three› different  banks  in rows 03, 12 and› 22.  It  includes  a place for phone› numbers  too.  Since  the  name  and› phone  number  covers  a sequence of› 4-cells   (AA-AD)  you  have  to  be› careful  not  to exceed the width of› each  cell.  It  is  easiest  to use› inverse and CTRL-E to edit a cell at› a  time.  Use CTRL-T to force "text"› mode  if  a  number or (-) or (=) is› the   first   character  of  a  text› entry.› ›   Enter your bank account numbers in› column  AA  for  each  bank  and the› current  balance in column AB. AC is› for the interest rate (not APY).› ›   Use  text entries for AD (maturity› date or none), AE (Term), Type (CHK,› C/D,  SAV, etc.) Type interest in AF› (compounded    monthly,   quarterly,› none,  etc.)  See the sample entries› for examples of how to do this. Then› type  over them or CTRL-K the sample› block entirely if not used by you.› ›   This    should    complete    your› customization  of the form since the› remaining  cells  are formulas which› do     not    require    customizing› (normally).› › USING BANKS.BC:› ›   Once  each  month, after receiving› your  statement  of current balances› and  interest  paid,  load  BANKS.BC› into  BCALC  and  update the date in› AC01. Compare your interest received› with monthly interest projections in› columns  AI,  AJ  and  AK.  Pick the› column  that fits the number of days› in  the  interest  period.  You  can› estimate the interest difference for› February  or temporarily edit one of› the  formulas,  changing  30  to  28› temporarily  to  see what the actual› amount is.› ›   Banks  do make mistakes, you know.› I've  caught  several  banks  making› errors  in  their  favor which I had› corrected       after       spotting› descrepancies    on   my   computer.› Imagine  my  great  satisfaction the› first  time  I  called  my  bank and› talked   to  a  human,  saying,  "My› computer   found   out   that   your› computer made a mistake."› ›   Finally,  update  the  balances in› column    AB.    CTRL-A   twice   to› recalculate  the  spreadsheet and it› will   update   your   balances  and› projected  interest  rates  for  the› next interest period.› ›   Press   SELECT   and   type   SAVE› D:BANKS.BC to save your updated form› to  your  working  disk. DO NOT SAVE› OVER  THE  ORIGINAL  TEMPLATE. It is› your backup copy.› › PRINTING YOUR BANK SUMMARY:› ›   Set up printer and place cursor on› cell  AA01.  CTRL-P prompts to press› Return  at upper-left cell of block.› Press  Return  and  move  cursor  to› lower-right  cell  (AK29  or 30) and› press  Return  again  to  print your› form.› › COMMENTS:› ›   Feel  free  to modify any portions› of  this  template  to  make it more› useful   to  you.  Formulas  can  be› viewed  by  placing  cursor  on cell› which shows "formula" in status line› at   top   of  screen.  CTRL-E  will› display   actual   formula  in  text› window at bottom of screen.› › Frank Walters› 08/10/97› ›              o=o=o=o=o=›