Contents

MAIN MENU SELECTIONS:

Business

Interest Rates

Investment

Loan

Balloon Loan

Click on an underlined green topic above for additional information.


Business

You have reached help for Business Functions.

The following functions are part of this menu:
(Click on a topic for more information)

Percent Change

Percent Total

Markup Over Cost

Markup Over Price

Markup Percent


Percent Change

Percent change calculates the difference
between the new amount and the old amount
as a percentage of the old amount.
Old Value--
enter the value before any change
occurred.(MAX 999,999,999.XXXXX)
New Value--
enter the value after the change
occured. (MAX 999,999,999.XXXXX)
Percentage Change--
system calculated value when the compute
button is activated in this menu. The
return button will take you back to the
main menu.

Other related topics for Business menu:

Percent Total

Markup Over Cost

Markup Over Price

Markup Percent


Percent of Total

Percent of total calculates the partial amount
as a percent of the total amount.
Partial Amount--
enter the partial amount of the total
desired.(MAX 999,999,999.XXXXX)
Total Amount--
enter the value for the total amount
desired. (MAX 999,999,999.XXXXX)
Percent Total--
system calculated value when the compute
button is activated in this menu. The
return button will take you back to the
main menu.

Other related topics for Business menu:

Percent Change

Markup Over Cost

Markup Over Price

Markup Percent


Markup Over Cost

Markup over cost calculates the difference
between the price and the cost, as a percent-
age of the cost.
Price of Item--
enter the selling price of the item
desired.(MAX 999,999,999.XXXXX)
Cost of Item--
enter the actual cost of the items
selling price. (MAX 999,999,999.XXXXX)
Markup % of Cost--
system calculated value when the compute
button is activated in this menu. The
return button will take you back to the
main menu.

Other related topics for Business menu:

Percent Total

Percent Change

Markup Over Price

Markup Percent


Markup Over Price

Markup over price calculates the difference
between the price and the cost, as a percent-
age of the price.
Price of Item--
enter the selling price of the item
desired.(MAX 999,999,999.XXXXX)
Cost of Item--
enter the actual cost of the items
selling price. (MAX 999,999,999.XXXXX)
Markup % of Cost--
system calculated value when the compute
button is activated in this menu. The
return button will take you back to the
main menu.

Other related topics for Business menu:

Percent Total

Markup Over Cost

Percent Change

Markup Percent


Markup Percent

Markup percent calculates a new price based
upon the markup percent. The markup percent
should be expressed as a decimal. As an example,
25% would be entered as .25, or 100% would be
entered as 1.00.
Price of Item--
enter the current price of the item
desired.(MAX 999,999,999.XXXXX)
Markup Percent--
enter the desired markup percent expressed
as a decimal. (MAX 99.XXXXX)
Price with Markup--
system calculated value when the compute
button is activated in this menu. The
return button will take you back to the
main menu.

Other related topics for Business menu:

Percent Total

Markup Over Cost

Percent Change

Markup Over Price


Interest Rate

You have reached help for Interest Rate Expressions.

The following functions are part of this menu:
(Click on a topic for more information)

Effective Periodic Rate Compounding

Effective Continuous Rate Compounding


Effective Periodic Rate Compounding

The effective periodic rate, calculates the
effective interest rate with periodic
compounding of an APR, when all interest
is reinvested.
Annual Percentage Rate--
enter the annual rate before any
compounding occurs.(MAX 99.XXXXX)
Number of Compounding Periods--
enter the value for the number of
times interest will be paid in a
given year. (MAX 999.XXXXX)
Effective Periodic Rate--
system calculated value when the compute
button is activated in this menu. The
return button will take you back to the
main menu.

Other related topics for Interest Rate Computations menu:

Effective Continuous Rate Compounding


Effective Continuous Rate Compounding

The effective continuous rate, calculates
the effective interest rate with continuous
compounding of an APR, when all interest is
reinvested.
Annual Percentage Rate--
enter the annual perecentage rate
desired before compounding occured.
(MAX 999.XXXXX)
Effective Periodic Rate--
system calculated value when the compute
button is activated in this menu. The
return button will take you back to the
main menu.

Other related topics for Interest Rate Computations menu:

Effective Periodic Rate Compounding


Investment

You have reached help for Investment Functions.

The following functions are part of this menu:
(Click on a topic for more information)

Future Value, Single Deposit

Present Value, Single Deposit

Future Value, Regular Deposit

Present Value, Regular Deposit

Investment Tracker


Future Value of Single Deposit

The future value of a single deposit will
calculate the future value of an initial
amount given the APR, compounding frequency,
and the number of years for the period.
Future Value Amount--
enter the value to be compounded for
the period. (MAX 999,999,999.XXXXX)
Annual Percentage Rate--
enter the annual perecentage rate
desired. (MAX 999.XXXXX)
Payments Per Year--
enter the the number of times interest
will be payed on this deposit amount in
a year. (MAX 999.XXXXX)
Number of Years--
enter the total number of years the
deposit amount will be considered
for earnings. (MAX 999.XXXXX)
Future Value of Amount--
system calculated value when the compute
button is activated in this menu. The
return button will take you back to the
main menu. This amount represents the
value earned for the specified time
period, considering the interest
payments paid in each year.

Other related topics for Investment menu:

Present Value of Single Deposit

Future Value of Regular Deposit

Present Value of Regular Deposit

Investment Tracker


Present Value of Single Deposit

Present value of a single deposit, calculates
the lump sum deposit you would have to make
now to grow to the requested amount over the
given time period.
Present Value Amount--
enter the amount you would like to have
after the given time period has elapsed.
(MAX 999,999,999.XXXXX)
Annual Percentage Rate--
enter the annual percentage rate
desired. (MAX 999.XXXXX)
Payments Per Year--
enter the the number of times interest
will be payed on this deposit amount in
a year. (MAX 999.XXXXX)
Number of Years--
enter the total number of years the
deposit amount will be considered
for earnings. (MAX 999.XXXXX)
Present Value of Amount--
system calculated value when the compute
button is activated in this menu. The
return button will take you back to the
main menu. This is the amount you must
deposit today to have the PV amount
specified on the top line of this
window after the given period.

Other related topics for Investment menu:

Future Value of Single Deposit

Future Value of Regular Deposit

Present Value of Regular Deposit

Investment Tracker


Future Value of Regular Deposits
Future Value of Regular Deposit

Future value of a regular deposit(i.e., of an
annuity) calculates the future total value of
a series of deposits of the requested amount
over the given time period.
Future Value Amount--
enter the amount to be deposited
each time a payment is made in a
year.(MAX 999,999,999.XXXXX)
Annual Percentage Rate--
enter the annual percentage rate
desired. (MAX 999.XXXXX)
Payments Per Year--
enter the the number of times a deposit
amount specified above will be made in
a year. (MAX 999.XXXXX)
Number of Years--
enter the total number of years the
deposit amount will be considered
for earnings. (MAX 999.XXXXX)
Future Value of Amount--
system calculated value when the compute
button is activated in this menu. The
return button will take you back to the
main menu. This is the amount your money
will grown to if you made the incremental
deposits specified on the top line of this
window.

Other related topics for Investment menu:

Future Value of Single Deposit

Present Value of Single Deposit

Present Value of Regular Deposit

Investment Tracker


Present Value of Regular Deposit

Present value of a regular deposit, (i.e., of an
an annuity) calculates the equivalent lump sum
deposit you must make now, to grow to the same
value as a series of deposits.
Regular Deposit Amount--
enter the amount to be deposited
each time a payment is made in a
year.(MAX 999,999,999.XXXXX)
Annual Percentage Rate--
enter the annual percentage rate
desired. (MAX 999.XXXXX)
Payments Per Year--
enter the the number of times a deposit
amount specified above will be made in
a year. (MAX 999.XXXXX)
Number of Years--
enter the total number of years the
deposit amount will be considered
for earnings. (MAX 999.XXXXX)
Present Value of Deposits--
system calculated value when the compute
button is activated in this menu. The
return button will take you back to the
main menu. This is the amount you must
deposit today
deposits specified on the top line of this
window.

Other related topics for Investment menu:

Future Value of Single Deposit

Present Value of Single Deposit

Future Value of Regular Deposit

Investment Tracker


Investment Tracker

Investment Tracker is a complete system for
recording and analyzing stocks and mutual fund
investments.  The system offers a fund summary
data entry screen where new funds can be setup
and viewed with the latest yield analysis
information. The yield can be based on an entered
value, or the most recent transaction.
Transactions include:
B=Buy, S=Sold, C=Cash Dividend,
D=Dividend in shares, F=Fee in Cash,
U=Unit/Share Fee.  The fund summary screen allows
entry of the most desired price. This could be
used to do a "what-if" type profitability
analysis, or to establish a value for the fund.
The system calculates continuosly by fund the
current value in dollars, the gain/loss dollars,
the gain/loss percent, the book value, the total
number of shares and the average cost per share.
 Reports giving the current value of all funds
and a transaction recap are available.  All
transactions for each fund can be entered, or
viewed on a seperate screen.

Other related topics for Investment menu:

Future Value, Single Deposit

Present Value, Single Deposit

Future Value, Regular Deposit

Present Value, Regular Deposit


Loan

You have reached help for Loan Functions.

This function can serve as a loan calculator in
addition to providing a complete loan amortization.
If no scheduled payment is entered, the system will
calculate one. If a scheduled payment is entered and
no number of payments is entered, the system will
calculate the number of payments. If both the scheduled
payment and the number of payments are entered, the system
will calculate all payout information and do a loan
amortization based on this input.  It will also consider
other factors on the input screen when this is done.
To activate the payout analysis select the "COMPUTE"
button from the input screen.

The following functions are part of this menu:
(Click on a topic for more information)

Input Loan Data

Display Amortization Table

Print Amortization Table

For an example--select the search button on the menu bar
and highlight the topic "Loan Example".
Then click on the "GO TO" button to see the example.


Input Loan Data

Input for loan data, allows for input parameters for
loan terms including taxes and insurance and skip months.
A maturity date calculation for differing payment
frequencies, and optional interest base
calculations for both a 360 and 365 day
interest year can be entered.

This function can serve as a loan calculator in
addition to providing a complete loan amortization.
If no scheduled payment is entered, the system will
calculate one. If a scheduled payment is entered and
no number of payments is entered, the system will
calculate the number of payments. If both the scheduled
payment and the number of payments are entered, the system
will calculate payout information and do a loan
amortization based on this input.  It will also consider
other factors on the input screen when this is done.
To activate the payout analysis select the "COMPUTE"
button from this input screen.

To get a balloon loan amoritization please see:
Balloon Loan.

Loan Amount--
enter the desired amount to be
borrowed.(MAX 999,999.99)
Annual Percentage Rate--
enter the annual percentage rate
desired. (MAX 49.99)
Total Payments --
enter the total number of times this
loan is scheduled for repayment over
the expected loan life. (MAX 99,999)
If this field is left blank, the
system will calculate this, based on the
scheduled payment entered.
Scheduled Payment--
enter the desired payment amount
for repayment of the loan. The
system will calculate this amount
if nothing is entered here. This
amount will be based upon the total
number of payments entered in the
field identified above. If both the
total payments and the scheduled
payment is entered, the system will
calculate all payout terms fot total
interest, insurance, taxes, etc.
(MAX 999,999.99)
Payments Per Year--
enter the total number of payments
scheduled for repayment of the loan
in a given year. This value is used
to determine the maturity date of the
loan. (MAX 52)
First Due Date--
enter the date the first payment on
this loan will be due.  This date will
affect the maturity date calculation
only. If no date is entered, the system
will calculate the maturity from the
current system date. Entry format is
(MMDDCCYY). As an example,
May 21,1994
would be entered as 05211994.
Skip Months--
enter the number of months you want
to allow for skipping a loan payment.
This value cannot exceed 999 or the
the total payments specified for the
life of the loan.  Skip months will only
affect the maturity date of the loan.
(MAX 999)
Interest Flag--
enter the value of the desired base
for the interest year calculation.
If the value is 0 a 360 day interest
base will be used to calculate interest.
If the value is 1 a 365 day interest
base will be used to calculate interest.
(MAX 1)
Estimated Annual R.E. Taxes--
enter the estimated annual amout of
real estate taxes you want figured
into the loan payment and amortization.
(MAX 99,999.99)
Annual Home Owners Insurance--
enter the estimated annual amout of
home owners insurance you want figured
into the loan payment and amortization.
(MAX 99,999.99)
Annual Other Insurance--
enter the estimated annual amout of
other insurance you want figured into
the loan payment and amortization. This
could be life, or disability, etc., that
is computed annually.
(MAX 99,999.99)
Disability Rate--
enter the rate per $1 of outstanding
balance on the loan. This value should
not exceed one. (MAX .999999)
Insurance Payments per Year--
enter the number of times the loan will
be scheduled for insurance repayment in
in a given year.  This value cannot
exceed the frequency of repayment for
principal and interest. (MAX 99.00)
Number of Insurance Years--
enter the total number of years the loan
will be scheduled for repayment of
insurance. This value cannot exceed
the years specified for the life of the
loan. (MAX 99.00)
Life Rate--
enter the rate per $1 of outstanding
balance on the loan. This value should
not exceed one. (MAX .999999)
Insurance Payments per Year--
enter the number of times the loan will
be scheduled for insurance repayment in
in a given year.  This value cannot
exceed the frequency of repayment for
principal and interest. (MAX 99.00)
Number of Insurance Years--
enter the total number of years the loan
will be scheduled for repayment of
insurance. This value cannot exceed
the years specified for the life of the
loan. (MAX 99.00)
COMPUTE BUTTON--
This button can serve as a loan calculator in
addition to providing a complete loan payout
analysis. If no scheduled payment is entered,
the system will calculate one. If a scheduled
payment is entered and no number of payments
is entered, the system will calculate the
number of payments. If both the scheduled
payment and the number of payments are entered,
the system will calculate payout information
and display it on your screen. The payout
analysis includes the following: the total
interest owed, the total payout, the
effective interest rate for the life of
the loan, total insurances, total taxes,
the scheduled payment, or the number of
payments and the maturity date. The maturity
date calculation will handle multiple payment
frequencies. Payout information is based
upon given input from the Data Entry Screen.
This proceedure should be run prior to any
amortization schedules, or unpredictable
results will occurr.

Other related topics for the Loan Terms menu:

Display Amortization Table

Print Amortization Table


Display Amortization Table

This function will display an amortization
schedule on your monitor.  It will give a
breakdown for each payment of the principal,
interest, disability insurance, life insurance,
home owners insurance, other insurance, taxes,
and resulting balance for the loan after each
payment. Information displayed is based upon
terms given in the Loan Input Data function.
The complete amortization schedule for the
Loan is displayed in a scrollable listbox.

Other related topics for the Loan Terms menu:

Input Loan Data

Print Amortization Table


Print Amortization Table

This function will print an amortization
schedule on your printer.  It will give a
breakdown for each payment of the principal,
interest, disability insurance, life insurance,
home owners insurance, other insurance, taxes,
and the resulting balance for the loan after
each payment. Information printed is based upon
terms given in the Loan Input Data function.
Totals for all categories are printed for each
year, with grand totals. The schedules heading
will print the loan origination date and the
maturity date on each page with other data.
The print amortization function will work
through the Windows Print Manager.  A setup
dialog box is displayed first, to allow you
to configure the printer.  This print function
can be cancelled through a dialog box before
printing will begin.

Other related topics for the Loan Terms menu:

Input Loan Data

Display Amortization Table


The following functions are part of this menu:
(Click on a topic for more information)

Input Loan Data

Display Amortization Table

Print Amortization Table


Balloon Loan

You have reached help for Balloon Loan Functions.

This function can serve as a loan calculator in
addition to providing a complete loan amortization.
If no scheduled payment is entered, the system will
calculate one. If both the scheduled payment and the
number of payments are entered, the system will
calculate payout information and do a loan
amortization based on this input.  It will also consider
other factors on the input screen when this is done.

The following functions are part of this menu:
(Click on a topic for more information)

Input Loan Data

Display Amortization Table

Print Amortization Table

For an example--select the search button on the menu bar
and highlight the topic "Balloon Loan Examples".
Then click on the "GO TO" button to see the example.


Balloon Loan Input

Balloon Loan Input, allows for input parameters for balloon
loan terms including taxes and insurance and skip months.
A maturity date calculation for differing payment
frequencies, and optional interest base
calculations for both a 360 and 365 day
interest year can be entered.

This function can serve as a loan calculator in
addition to providing a complete loan amortization.
If no scheduled payment is entered, the system will
calculate one. If both the scheduled payment and the
number of payments are entered, the system will
calculate all payout information and do a loan
amortization based on this input.  It will also consider
other factors on the input screen when this is done.

To get a non-balloon loan amoritization please see:
Loan Terms.

Loan Amount--
enter the desired amount to be
borrowed.(MAX 999,999.99)
Amortize Periods --
enter the total number of periods the
loan payment amount is to be calculated
on.  This expression must match the
payments per year. (MAX 99,999)
If the payments per year is 12 and a 30
year amortization is desired, the amortize
periods would be 12 x 30 = 360 periods.
Annual Percentage Rate--
enter the annual percentage rate
desired. (MAX 49.99)
Scheduled Payment--
enter the desired payment amount
for repayment of the loan. The
system will calculate this amount
if nothing is entered here. This
amount will be based upon the total
number of payments entered in the
field identified above. If both the
total payments and the scheduled
payment is entered, the system will
calculate all payout terms fot total
interest, insurance, taxes, etc.
(MAX 999,999.99)
Total Payments/Balloon Term--
enter the total number of payments
scheduled for repayment of the balloon
loan. This value is used to determine
the maturity date.  This is also the
final payment, upon which the entire
remaining principal balance and accrued
interest will be due. (MAX 99,999)
Payments Per Year--
enter the total number of payments
scheduled for repayment of the loan
in a given year. This value is used
to determine the maturity date of the
loan. (MAX 52)
First Due Date--
enter the date the first payment on
this loan will be due.  This date will
affect the maturity date calculation
only. If no date is entered, the system
will calculate the maturity from the
current system date. Entry format is
(MMDDCCYY). As an example,
May 21,1994
would be entered as 05211994.
Skip Months--
enter the number of months you want
to allow for skipping a loan payment.
This value cannot exceed 999 or the
the total payments specified for the
life of the loan.  Skip months will only
affect the maturity date of the loan.
(MAX 999)
Interest Flag--
enter the value of the desired base
for the interest year calculation.
If the value is 0 a 360 day interest
base will be used to calculate interest.
If the value is 1 a 365 day interest
base will be used to calculate interest.
(MAX 1)
Estimated Annual R.E. Taxes--
enter the estimated annual amout of
real estate taxes you want figured
into the loan payment and amortization.
(MAX 99,999.99)
Annual Home Owners Insurance--
enter the estimated annual amout of
home owners insurance you want figured
into the loan payment and amortization.
(MAX 99,999.99)
Annual Other Insurance--
enter the estimated annual amout of
other insurance you want figured into
the loan payment and amortization. This
could be life, or disability, etc., that
is computed annually.
(MAX 99,999.99)
Disability Rate--
enter the rate per $1 of outstanding
balance on the loan. This value should
not exceed one. (MAX .999999)
Insurance Payments per Year--
enter the number of times the loan will
be scheduled for insurance repayment in
in a given year.  This value cannot
exceed the frequency of repayment for
principal and interest. (MAX 99.00)
Number of Insurance Years--
enter the total number of years the loan
will be scheduled for repayment of
insurance. This value cannot exceed
the years specified for the life of the
loan. (MAX 99.00)
Life Rate--
enter the rate per $1 of outstanding
balance on the loan. This value should
not exceed one. (MAX .999999)
Insurance Payments per Year--
enter the number of times the loan will
be scheduled for insurance repayment in
in a given year.  This value cannot
exceed the frequency of repayment for
principal and interest. (MAX 99.00)
Number of Insurance Years--
enter the total number of years the loan
will be scheduled for repayment of
insurance. This value cannot exceed
the years specified for the life of the
loan. (MAX 99.00)
COMPUTE BUTTON--
The compute button will perform a payout
analysis and display it on your screen.
The payout analysis calculates the
scheduled payment amount, the total
interest owed, the total payout, the
effective interest rate for the life of
the loan, total insurances, total taxes,
and the maturity date. The maturity date
calculation will handle multiple payment
frequencies. Payout information is based
upon given input from the Data Entry Screen.
This proceedure should be run prior to any
amortization schedules, or unpredictable
results will occurr.  If both the number of
payments and the scheduled payment are given,
the system will perform a payout analysis and
amortization on the specified information.

Other related topics for the Balloon Loan Terms menu:

Display Amortization Table

Print Amortization Table


Display Balloon Amortization Table

This function will display an amortization
schedule on your monitor.  It will give a
breakdown for each payment of the principal,
interest, disability insurance, life insurance,
home owners insurance, other insurance, taxes,
and resulting balance for the loan after each
payment. Information displayed is based upon
terms given in the Loan Input Data function.
The complete amortization schedule for the
Loan is displayed in a scrollable listbox.

Other related topics for the Balloon Loan Terms menu:

Input Loan Data

Print Amortization Table


Print Balloon Amortization Table

This function will print an amortization
schedule on your printer.  It will give a
breakdown for each payment of the principal,
interest, disability insurance, life insurance,
home owners insurance, other insurance, taxes,
and the resulting balance for the loan after
each payment. Information printed is based upon
terms given in the Loan Input Data function.
Totals for all categories are printed for each
year, with grand totals. The schedules heading
will print the loan origination date and the
maturity date on each page with other data.
The print amortization function will work
through the Windows Print Manager.  A setup
dialog box is displayed first, to allow you
to configure the printer.  This print function
can be cancelled through a dialog box before
printing will begin.

Other related topics for the Balloon Loan Terms menu:

Input Loan Data

Display Amortization Table


The following functions are part of this menu:
(Click on a topic for more information)

Input Loan Data

Display Amortization Table

Print Amortization Table


Balloon Loan Example

Below is a sample Balloon Loan with
parameters and how it is entered
on the Balloon Loan input screen.

            Parameters
            -------------------------------
            * LOAN AMOUNT: $50,000.00
            * ANNUAL RATE: 10.00%
            * AMORTIZATION PERIOD: 30 years
            * BALLOON TERM: 5 years
            * PAYMENT FREQUENCY: monthly
            * INTEREST BASE: 360 days

           Input Screen
           ---------------------------------
           1. LOAN AMOUNT: $50,000.00
           2. ANNUAL RATE: 10.00%
           3. AMORTIZE PERIODS: 360
This is because 30 years expressed with 12
payments per year is 12 X 30 = 360 periods.
This expression must match what you enter
in item # 11 below for the payments per
year. If your payments per year were
entered as 24 and you wanted a 10 year
amortization period, you would multiply
24 X 10 = 240 periods.
           4. SCHEDULED PAYMENT: 0
Leave blank for system to calculate.
           5. INSURANCE: 0
Leave blank for this example.
           6. ANNUAL REAL ESTATE TAXES: 0
Leave blank for this example.
           7. SKIP MONTHS: 0
Leave blank for this example.
           8. INTEREST FLAG: 0
           9. PAYMENTS FOR BALLOON TERM: 60
This is because you want the repayment
schedule for then loan to be five years
and the final payment to include remaining
principal and normal accrued interest.
This expression must match the payments
per year below and be expressed in the
same way.
a. if payments per year = 12
5 years for balloon term is:
12 X 5 = 60.
b. if payments per year = 24
5 years for balloon term is:
24 X 5 = 120.
           10.FIRST DUE DATE: Leave blank.
The maturity date will automatically be
be figured from todays date if this is
left blank.
           11.PAYMENTS PER YEAR: 12
This indicates a monthly repayment cycle.


Loan Example

Below is a sample Loan with
parameters and how it is entered
on the Loan input screen.

            Parameters
            -------------------------------
            * LOAN AMOUNT: $50,000.00
            * ANNUAL RATE: 10.00%
            * LOAN LIFE: 30 years
            * DISABILITY INSURANCE TERM: 5 years
            * DISABILITY INSURANCE RATE: .000348
            * DISABILITY FREQUENCY: monthly
            * LIFE INSURANCE TERM: 5 years
            * LIFE INSURANCE RATE: .000247
            * LIFE FREQUENCY: monthly
            * ANNUAL TAXES: $549.00
            * PAYMENT FREQUENCY: monthly
            * INTEREST BASE: 365 days

           Input Screen
           ---------------------------------
           1. LOAN AMOUNT: $50,000.00
           2. ANNUAL RATE: 10.00%
           3. TOTAL PAYMENTS: 360
This is because 30 years expressed with 12
payments per year is 12 X 30 = 360 periods.
This expression must match what you enter
in item # 14 below for the payments per
year. If your payments per year were
entered as 24 and you wanted a 10 year
amortization period, you would multiply
24 X 10 = 240 periods.
           4. SCHEDULED PAYMENT: 0
Leave blank for system to calculate.
           5. DISABILITY RATE: .000348
This is expressed as a rate per
$1 of outstanding balance on the loan. It will
be considered to be renewable monthly based on
the outstanding loan balance for that period.
           6. DISABLITY PAY/YEAR: 12
           7. DISABLITY YEARS: 5
           8. LIFE RATE: .000247
This is expressed as a rate per
$1 of outstanding balance on the loan. It will
be considered to be renewable monthly based on
the outstanding loan balance for that period.
           9. LIFE PAY/YEAR: 12
           10.LIFE YEARS: 5
           11.ANNUAL REAL ESTATE TAXES: $549.00
Will be divided by payments per year.
           12.SKIP MONTHS: 0
Leave blank for this example.
           13.INTEREST FLAG: 1
This switch will determine if
interest is figured based on a 360 day year,
or a 365 day year.  If the 365 day year is
selected, this will affect the amount of the
payment and how much interest is charged each
month since the exact number of days are
considered counting leap year.
           14.PAYMENTS PER YEAR: 12
This is because you want the repayment
schedule for then loan to be monthly.
This expression must match the total
payments above and be expressed in the
same way.
a. if payments per year = 12
30 years for total payments is:
30 X 12 = 360 total payments.
b. if payments per year = 24
10 years for total payments is:
10 X 24 = 240 total payments.
           15.FIRST DUE DATE: Leave blank.
The maturity date will automatically be
be figured from todays date if this is
left blank.


Registration Form
(To print this form select File | Print Topic from the Help Menu bar above)
______________________________________________

PROGRAM: "FINCALC" for Windows <s/w>
Mail to:
Joe Piedimonte
3609 S. 10th Street Ct.
Blue Springs, MO   64015

Your Name:

Company:

Address:

City,State,Zip:

Daytime Phone No:(   )

PLEASE SEND ME:

                  _____copies of FINCALC @ $20.00 each   $
          shipping & handling(each copy) @ $ 3.00        $
                                                          --------
                        TOTAL AMOUNT ENCLOSED            $

-->PLEASE MAKE CHECKS PAYABLE TO: JOE PIEDIMONTE<--

Disk Size Needed: ___5 1/4"    ___3 1/2"

Where did you hear about this program?

Comments/Questions/Suggestions:


Registration Information

This program version is distributed as SHAREWARE, and the
user is granted a limited license to evaluate the program.
If you find the program useful and you wish to continue
using it, please register by completing the registration
form (which can be printed by selecting the File|Print
Topic command, on the Help Window from the Main Window
of "Fincalc" under Help|Registration Form).  Send the
completed form with the $20.00 registration fee
(plus $3.00 S/H) to:

                 Joe Piedimonte
                 3609 S. 10th Street Ct.
                 Blue Springs, Missouri  64015

      VISA & MASTERCARD Purchasing is available!!!
      Just call NORTHSTAR SOLUTIONS 1-800-699-6395
      from 10:00am to 10:00pm EST.  Have ready this
      Program Name, Version, Card Number, Expiration
      and desired diskette size.  I will forward the
      final copy upon your registration with them.

Registration will entitle you to a licensed copy of the
latest version and special upgrade prices on future
releases of the program.

The user is granted permission to make unlimited copies of
the demo program and distribute those copies as long as all
files are copied intact and no fee is charged for the
program.

"FINCALC" is written by Joe Piedimonte and all rights are
reserved.  No warranties are made, either expressed or
implied, with respect to the software, its fitness for any
particular purpose, or its documentation.  This product is
sold "as is."


Windows Keys

Choose from the following list to review the keys used in Windows:

Cursor Movement Keys

Dialog Box Keys

Editing Keys

Help Keys

Menu Keys

System Keys

Text Selection Keys

Window Keys


Cursor Movement Keys

Key(s)	Function

DIRECTION key	Moves the cursor left, right, up, or down in a field.

End or Ctrl+Right Arrow	Moves to the end of a field.

Home or CTRL+Left Arrow	Moves to the beginning of a field.

PAGE UP or PAGE DOWN	Moves up or down in a field, one screen at a time.


Dialog Box Keys

Key(s)	Function

TAB	Moves from field to field (left to right and top to bottom).

SHIFT+TAB	Moves from field to field in reverse order.

ALT+letter	Moves to the option or group whose underlined letter matches the one you type.

DIRECTION key	Moves from option to option within a group of options.

ENTER	Executes a command button.

Or, chooses the selected item in a list box and executes the command.

ESC	Closes a dialog box without completing the command. (Same as Cancel)

ALT+DOWN ARROW	Opens a drop-down list box.

ALT+UP or DOWN ARROW	Selects item in a drop-down list box.

SPACEBAR	Cancels a selection in a list box.

Selects or clears a check box.

CTRL+SLASH	Selects all the items in a list box.

CTRL+BACKSLASH	Cancels all selections except the current selection.

SHIFT+ DIRECTION key	Extends selection in a text box.

SHIFT+ HOME	Extends selection to first character in a text box.

SHIFT+ END	Extends selection to last character in a text box


Editing Keys

Key(s)	Function

Backspace	Deletes the character to the left of the cursor.

Or, deletes selected text.

Delete	Deletes the character to the right of the cursor.

Or, deletes selected text.


Help Keys

Key(s)	Function

F1	Gets Help and displays the Help Index for the application. If the Help window is already open, pressing F1 displays the "Using Windows Help" topics.

In some Windows applications, pressing F1 displays a Help topic on the selected command, dialog box option, or system message.

SHIFT+F1	Changes the pointer to [image] so you can get Help on a specific command, screen region, or key. You can then choose a command, click the screen region, or press a key or key combination you want to know more about.

(This feature is not available in all Windows applications.)


Menu Keys

Key(s)	Function

Alt	Selects the first menu on the menu bar.

Letter key	Chooses the menu, or menu item, whose underlined letter matches the one you type.

Alt+letter key	Pulls down the menu whose underlined letter matches the one you type.

LEFT or RIGHT ARROW	Moves among menus.

UP or DOWN ARROW	Moves among menu items.

Enter	Chooses the selected menu item.


System Keys

The following keys can be used from any window, regardless of the application you are using.

Key(s)	Function

Ctrl+Esc	Switches to the Task List.

Alt+Esc	Switches to the next application window or minimized icon, including full-screen programs.

Alt+TAB	Switches to the next application window, restoring applications that are running as icons.

Alt+PrtSc	Copies the entire screen to Clipboard.

Ctrl+F4	Closes the active window.

F1	Gets Help and displays the Help Index for the application. (See Help Keys)


Text Selection Keys

Key(s)	Function

SHIFT+LEFT or RIGHT ARROW	Selects text one character at a time to the left or right.

SHIFT+DOWN or UP	Selects one line of text up or down.

SHIFT+END	Selects text to the end of the line.

SHIFT+HOME	Selects text to the beginning of the line.

SHIFT+PAGE DOWN	Selects text down one window.

Or, cancels the selection if the next window is already selected.

SHIFT+PAGE UP	Selects text up one window.

Or, cancels the selection if the previous window is already selected.

CTRL+SHIFT+LEFT or RIGHT ARROW	Selects text to the next or previous word.

CTRL+SHIFT+UP or DOWN ARROW	Selects text to the beginning (UP ARROW) or end (DOWN ARROW) of the paragraph.

CTRL+SHIFT+END	Selects text to the end of the document.

CTRL+SHIFT+HOME	Selects text to the beginning of the document.


Window Keys

Key(s)	Function

ALT+SPACEBAR	Opens the Control menu for an application window.

ALT+Hyphen	Opens the Control menu for a document window.

Alt+F4	Closes a window.

Alt+Esc	Switches to the next application window or minimized icon, including full-screen programs.

Alt+TAB	Switches to the next application window, restoring applications that are running as icons.

Alt+ENTER	Switches a non-Windows application between running in a window and running full screen.

DIRECTION key	Moves a window when you have chosen Move from the Control menu.

Or, changes the size of a window when you have chosen Size from the Control menu.