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Promissory Note Program
Version 2.00
January 10, 1994
Copyright 1988 - 1994
by
J A M E S H U C K A B E Y
software with a heart
James H. Huckabey
Turbo Basic' compiled program
(trade mark and copyrights of
Borland International, Inc.).
1
Table of Contents
User-Supported Software............................page 3
Disclaimer.........................................page 4
System Requirements................................page 5
What The Program Does..............................page 5
Backing Up The Program.............................page 5
Running The Program................................page 7
Promissory Note Menu...............................page 7
******* NOTES *******..............................page 7
<A> Note - Payee/Maker........................page 9
<B> Note - Renew Payable......................page 13
<C> Note Receivable - Buy/Sell................page 20
<D> From The Author...........................page 25
<E> Exit Program..............................page 26
Screen Displays and Printouts......................page 27
Glossary...........................................page 28
Index..............................................page 30
Invoice............................................page 31
2
USER-SUPPORTED SOFTWARE
User-supported software, which is also known as Shareware,
is an experiment in microcomputer software distribution based on
The following principles:
1. That the value or worth of a program is best judged by
the individual user using the program on his/her own machine.
2. That the creation and distribution of microcomputer
software can be financially supported by users at reasonable
cost.
3. That the copying and sharing of software can and is
encouraged.
Anyone may request a copy of a user-supported program by
sending a blank, formatted disk to the author of the program. An
addressed, postage-paid return mailer must accompany the disk (no
exceptions, please). A copy of the program, with documentation on
the disk, will be sent by return mail. The program will carry a
notice suggesting a contribution to the program's author. Making
a contribution is completely voluntary.
Free distribution of software and voluntary payment for its
use eliminates costs for advertising and copy protection schemes.
Users obtain quality software at reduced cost. They can try it
out before buying, and do so at their own pace and in the comfort
of their own home or office. The best programs will survive based
purely on their quality and usefulness.
Please join the experiment. If you share a belief in these
principles, your contribution is requested to help make this
work. Regardless of whether you make a contribution, you are
encouraged to copy and share this program.
PERMISSION TO COPY
Individuals, clubs, and other non-profit organizations are
granted permission by the authors to freely copy this program and
documentation and share it with their members, so long as:
1. No price is charged for the software or documentation.
However, a distribution, copying cost or charge for the cost of
the diskette, so long as it is not more than $6.00 total.
2. Club members be informed of the user-supported idea and
encouraged to support it with their donations.
3. The program(s) or documentation are not modified in any way
and they are distributed together.
3
Your Contribution
Please send your contribution, $10 is suggested, name,
address and version number to the following:
James Huckabey
3621-A Fraser Street
Bellingham, WA 98226-2473 U.S.A.
(206) 671-2868 (voice, Pacific)
It is important that your current version number is on all
correspondence. The complete archive (see ARCHIVE.TXT) may be
freely copied and passed on (non-altered programs), they may be
combined with other shareware programs.
A Site License is available for commercial use where more
than one copy is running at one time; cost is $25 and there is no
limit to the number of copies in use at that site.
We would also enjoy just hearing your likes and dislikes
about any of our programs. We are open to suggestions on how our
programs might be improved, all suggestions are evaluated.
If you are having program problems, you may be running an
altered and/or non-authorized version. Please send us a note
along with the version number and the problem you are
experiencing. Please include a self addressed stamped envelope if
you expect a reply, there are no exceptions.
Please give complete details, printouts, screen dumps, etc.
You can make notes directly on printouts showing problems or
suggestions. Thank you.
DISCLAIMER
In no event will the Authors be liable to you for any
damages, including any lost profits, lost savings, or other
incidental or consequential damages arising out of the use of or
inability to use the program or unfamiliarity of the user with
DOS, BASIC, BASICA/GWBASIC or BASIC compilers, even if the Author
has been advised of the possibility of such damages, or for any
claim by any other party.
4
SYSTEM REQUIREMENTS
IBM PC or compatible, minimum of 256K RAM, 80 column screen,
DOS (disk operating system), optional 80 column printer (program
does display calculations on the screen, printing similar data on
printer). IBM PC is a copyright trademark of International
Business Machines Incorporated.
WHAT THE PROGRAM DOES
The program is menu driven and most instructions appear on
the screen in the form of prompts. The program allows you to see
and print detailed reports for yourself or clients and should be
useful in home or office.
The program can calculate the maturity value of a Promissory
Note using starting (transaction) date and term. It also
calculates late days using date of note and current date, adds
interest if there are late charges
All pertinent information is displayed on the screen. In all
options a summary is displayed in a form of totals and in most
cases, details involved can also be displayed in report format or
sent to the printer. Also, in each option, pressing <ENTER> loads
in previous data entered since starting program.
BACKING UP THE PROGRAM
As with any program that is not copy protected, never run
the original copy. Make a backup using the DISKCOPY command as
follows:
*** WARNING, ANY INFORMATION ON THE TARGET DISKETTE IS ERASED
DURING THE DISKCOPY OPERATION (use a new diskette if possible).
Single drive: With your DOS disk in drive A:, type `DISKCOPY
A: A:'. You are prompted to put the source disk (source being
NOTES disk) in DRIVE A: and to press <ANY KEY>. Pressing any key
starts the copying process. You are then prompted to insert the
target diskette, which does not have to be formatted, and to
press <ANY KEY>. This process is repeated until the copying is
completed.
Dual drives: With your DOS disk in drive A:, type in
`DISKCOPY A: B:', you are prompted to insert the source diskette
in drive A: and the target diskette in drive B: and press <ANY
KEY>, pressing any key starts the copying process. The target
diskette does not need to be formatted.
Either of the routines may be repeated by answering the
5
repeat prompt with a <Y>. You may also use the wild card routine
to copy the information on the diskette to another floppy or hard
drive (this is the only way to install this program on a hard
drive).
Hard Drives: Make sure you are in the proper directory on
the destination drive. Place the source diskette in drive A: and
type in `COPY A:NOTES.EXE' and press <ENTER>. This is the only
file required, however, the NOTES.DOC, READ.ME and other files
are there for your information and instruction and may be copied
using the same syntax. They are not required for the program's
execution.
Whatever the process, you should have NOTES.EXE on the
operational disk but remember when passing on copies of the
program to others make sure you pass along only complete
archives.
6
RUNNING THE PROGRAM
Since this is a compiled BASIC program, you start it
directly from DOS or start up level. The only requirement is that
the program be located somewhere in your PATH statement. Type in
`NOTES' and press <ENTER>, the title is displayed along with
copyright data. You are prompted to press <ENTER>, the screen
then displays information about the authors and contribution.
If you find this program helpful and use it on a regular
basis, you should pay for it. It is you, the end user, that
determines what programs are good and useful. Please do not
remove any of this information from the program or documentation.
Leaving this information in the program assures that the next
person is informed about payment, copying information and what
files are included in the program package (thank you).
After pressing <RETURN> a second time, screen displays:
Promissory Note Menu
<A> Note - Payee/Maker
<B> Note - Renew Payable
<C> Note Receivable - Buy/Sell
<D> From The Author
<E> Exit Program
Press Choice <A-E>
James Huckabey
software with a heart
Pressing <A-E> takes you to the appropriate option, upper or
lower case letters may be used, pressing <E> takes you to the
termination option where you must press <Y> to terminate or you
are returned to the Main Menu.
******* NOTES *******
The key buffer has been disabled on the menu, this is to
help prevent going to wrong options.
All inputs in this program are made within bracket symbols
`[ ]' whether they are number or letters. The brackets are to
7
guide you, mainly for word entries, on remaining space available.
On number entries only numbers may be entered and on those that
use a decimal place, the decimal is acceptable. On entries such
as names, any keyboard symbol may be entered. To edit an entry,
you may use the <BACK SPACE> to erase all or part of any entry.
When your entry is as you want it, the pressing of <ENTER> enters
the data into the program.
Once you make an entry into a option, the entries remain in
memory for all returns and exits from the particular option
(during the current running of the program, when you exit at data
is erased), with the exception of names which are carried to all
options. Upon returning to an option, the current data is
displayed beneath the option heading, and all you have to do is
press <ENTER> at each of the input prompts and previous data is
automatically restored.
The only exception to the auto-reload is that if there is a
current value, the program has converted the term into days to
calculate days used and days remaining. In these cases, the term
must be reentered because the term and type are erased (10 Days).
8
<A> Note - Payee/Maker
Press <A> from the Main Menu, screen displays (one at a
time):
Enter Payee's name [ ]
Enter Maker's name [ ]
You are returned to this screen and position after all
operations in this option. You are prompted to type in Payee and
then Maker's name, with the maximums being 32 characters. Both
inputs have the same restrictions, they may not be left blank and
must be filled the first time through. After the names are
entered, the screen displays:
What is the transaction date, mm-dd-yyyy [ - - ]
You are prompted to type in the date using both the BASIC
and DOS format 01-01-1988. The entry must contain 8 characters,
the program supplies the dashes. The input must be filled the
first time through and must be greater than 1979. If you are
going to use the current date you can press <ENTER> to load in
the current date. If you already have a date entered, to change
it you must type in the new date. After the transaction date is
entered, the screen displays:
Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data
You are prompted to choose a type of term, days, months or
years. Pressing <ESC> returns you to the transaction date input
position. Pressing term option, displays one of the following:
How many days [ ]
How many months [ ]
How many years [ ]
The input must be filled the first time through, cannot be
less than one, days greater than 365 become 365, months greater
than 12 become 12 and years greater than 50 become 50. After an
acceptable entry, the program calculates the transaction date and
term, screen displays:
Maturity date is : 01-01-1988
What is the principal amount [ ]
You are prompted to type in the Principal Amount. This entry
must be filled the first time through, the entry here cannot
exceed $999,999 or the program beeps at you and returns you to
9
the entry position. After the principal entry, the screen
displays:
Is there an interest charge? Press <Y> or <N>
Pressing <N> skips the next step and erases the prompt from
the screen. Pressing <Y>, the screen displays:
What is the interest rate,<F2>=0 [ ]
You are prompted to type in the interest. The entry may be
made in decimal or whole number, the program converts all entries
into decimal, both are displayed on the screen after you press
<ENTER>. If you are entering interest using whole or mixed
numbers (10 or 10.1) and want to input less than 1% (.01), you
must use a leading zero or the number must be converted to a
decimal.
Interest rate must not be negative, less than .1% (.001), or
greater than 100% (1.00) or the program beeps and repeats the
process until input is acceptable. If you are entering 100% it
must be entered as a whole number (100) since the program checks
the first character for a decimal point when converting from
whole number to decimal and cannot distinguish between 1.00
(100%) and 1 (1%).
You may press <F2> to remove an interest rate, if this is
your first interest input, pressing <ENTER> without any data is
also a zero rate. After interest is entered, the input line is
replaced by the following line:
Interest is $ 99.99
If the maturity date is past the current system date, screen
displays:
Is there an interest charge? Press <Y> or <N>
Pressing <N> skips the next step and erases the prompt from
the screen. Pressing <Y>, the screen displays:
What is the interest rate, <F2>=0 [ ]
You are prompted to type in the interest. The entry may be
made in decimal or whole number, the program converts all entries
into decimal, both are displayed on the screen after you press
<ENTER>. If you are entering interest using whole or mixed
numbers (10 or 10.1) and want to input less than 1% (.01), you
must use a leading zero or the number must be converted to a
decimal.
Interest rate must not be negative, less than .1% (.001), or
10
greater than 100% (1.00) or the program beeps and repeats the
process until input is acceptable. If you are entering 100% it
must be entered as a whole number (100) since the program checks
the first character for a decimal point when converting from
whole number to decimal and cannot distinguish between 1.00
(100%) and 1 (1%).
You may press <F2> to remove an interest rate, if this is
your first interest input, pressing <ENTER> without any data is
also a zero rate. All late charges are converted to days for ease
in calculating days expired since Maturity Date and is displayed
as days both on the screen as well as printouts. After interest
is entered, the input line is replaced by the following line:
Interest is $ 9.99
Press <P>=print, <S>=screen, <ENTER>=new data or <ESC>=Menu
Because of the vast amount of input variances and results,
the data is printed on the screen in the same format as is
printed on the printer. Press <P> to print, <S> to display data
on the screen, <ENTER> to enter new/change data or <ESC> to
return to the Menu.
Depending on the entries, maturity date and late charges,
the program displays the following data, (labeled, here, for ease
in reading) is displayed along with header:
(interest bearing note with late charge)
Principal X Rate X Term days = Interest
999.99 X 0.0120 = 12.00% X 365 days = 119.99
Principal + Interest = Maturity Value
999.99 + 119.99 = $ 1,119.99
Maturity Value X Late Rate X Term Days = Late Charge
1,119.99 X 0.0100 = 10.00% X 12 days = $ 3.68
Maturity Value + Late Charge = Total Now Due
1,119.99 + 3.68 = $ 1123.67
------------------->
This is a non-interest bearing note (with late charge)
Maturity Value : Term days
999.99 : 365 days
Maturity Value X Late Rate X Term Days = Late Charge
999.99 X 0.0100 = 10.00% X 12 days = $ 3.28
Maturity Value + Late Charge = Total Now Due
11
999.99 + 3.28 = $ 1003.27
Press <P> to print, <ENTER> for new data or <ESC> for Menu
You are prompted to press <P> to print data, <ENTER> for new
data of <ESC> for Main Menu. You may press your choice the
<ENTER> option is there to allow you to change any or all data.
Remember on returning to the name entry position, the
pressing of <ENTER> in any input restores previous data, allowing
for ease in corrections or adjustments.
If you make errors during the entries, continue with the
rest of your inputs and then at the printer/screen/exit prompt
press <ENTER> repeatedly until you reach the entry to be
corrected. When you reach the entry to be changed, just type in
the new data and proceed as before.
*** see Screen Displays and Printouts ***
12
<B> Note - Renew Payable
Press <B> from the Main Menu, screen displays (one at a
time):
Enter Payee's name [ ]
Enter Maker's name [ ]
You are returned to this screen and position after all
operations in this option. You are prompted to type in Payee and
then Maker's name, with the maximums being 32 characters. Both
inputs have the same restrictions, they may not be left blank and
must be filled the first time through. After the names are
entered, the screen displays:
_________________ Old Promissory Note Information _______________
What is the date of the note, mm-dd-yyyy [ - - ]
You are prompted to type in the date using both the BASIC
and DOS format 01-01-1988. The entry must contain 8 characters,
the program supplies the dashes. The input must be filled the
first time through and must be greater than 1979. If you already
have a date entered, to change it you must type in a new date.
After the date of the note is entered, the screen displays:
Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data
You are prompted to choose a type of term, days, months or
years. Pressing <ESC> returns you to the transaction date input
position. Pressing term option, displays one of the following:
How many days [ ]
How many months [ ]
How many years [ ]
The input must be filled the first time through, cannot be
less than one, days greater than 365 become 365, months greater
than 12 become 12 and years greater than 50 become 50. After an
acceptable entry, the program calculates the transaction date and
term, screen displays:
What is the principal amount [ ]
You are prompted to type in the Principal Amount. This entry
must be filled the first time through, the entry here cannot
exceed $999,999 or the program beeps at you and returns you to
13
the entry position. After the principal entry, the screen
displays:
Maturity date is : 01-01-1988
Is there an interest charge? Press <Y> or <N>
Pressing <N> skips the next step and erases the prompt from
the screen. Pressing <Y>, the screen displays:
What is the interest rate, <F2>=0 [ ]
You are prompted to type in the interest. The entry may be
made in decimal or whole number, the program converts all entries
into decimal, both are displayed on the screen after you press
<ENTER>. If you are entering interest using whole or mixed
numbers (10 or 10.1) and want to input less than 1% (.01), you
must use a leading zero or the number must be converted to a
decimal.
Interest rate must not be negative, less than .1% (.001), or
greater than 100% (1.00) or the program beeps and repeats the
process until input is acceptable. If you are entering 100% it
must be entered as a whole number (100) since the program checks
the first character for a decimal point when converting from
whole number to decimal and cannot distinguish between 1.00
(100%) and 1 (1%).
You may press <F2> to remove an interest rate, if this is
your first interest input, pressing <ENTER> without any data is
also a zero rate. After interest is entered, the input line is
replaced by the following line:
If the maturity date is past the current system date, screen
displays:
Number of days past maturity is : 10 days
Is there an interest charge? Press <Y> or <N>
Pressing <N> skips the next step and erases the prompt from
the screen. Pressing <Y>, the screen displays:
What is the interest rate, <F2>=0 [ ]
You are prompted to type in the interest. The entry may be
made in decimal or whole number, the program converts all entries
into decimal, both are displayed on the screen after you press
<ENTER>. If you are entering interest using whole or mixed
numbers (10 or 10.1) and want to input less than 1% (.01), you
must use a leading zero or the number must be converted to a
decimal.
14
Interest rate must not be negative, less than .1% (.001), or
greater than 100% (1.00) or the program beeps and repeats the
process until input is acceptable. If you are entering 100% it
must be entered as a whole number (100) since the program checks
the first character for a decimal point when converting from
whole number to decimal and cannot distinguish between 1.00
(100%) and 1 (1%).
You may press <F2> to remove an interest rate, if this is
your first interest input, pressing <ENTER> without any data is
also a zero rate. All late charges are converted to days for ease
in calculating days expired since Maturity Date and is displayed
as days both on the screen as well as printouts. After interest
is entered screen displays:
Is previous interest to be paid now ? Press <Y> or <N>
You are prompted as to whether the interest is to be paid
now <Y> or added to maturity value on new note <N>. Regardless of
your response the program checks to see if current date is beyond
the maturity date, if so, the screen displays:
Is there an interest charge? Press <Y> or <N>
Pressing <N> skips the next step and erases the prompt from
the screen. Pressing <Y>, the screen displays:
What is the interest rate, <F2>=0 [ ]
You are prompted to type in the interest. The entry may be
made in decimal or whole number, the program converts all entries
into decimal, both are displayed on the screen after you press
<ENTER>. If you are entering interest using whole or mixed
numbers (10 or 10.1) and want to input less than 1% (.01), you
must use a leading zero or the number must be converted to a
decimal.
Interest rate must not be negative, less than .1% (.001), or
greater than 100% (1.00) or the program beeps and repeats the
process until input is acceptable. If you are entering 100% it
must be entered as a whole number (100) since the program checks
the first character for a decimal point when converting from
whole number to decimal and cannot distinguish between 1.00
(100%) and 1 (1%).
You may press <F2> to remove an interest rate, if this is
your first interest input, pressing <ENTER> without any data is
also a zero rate. All late charges are converted to days for ease
in calculating days expired since Maturity Date and is displayed
as days both on the screen as well as printouts. After interest
is entered screen displays:
15
Are late charges to be paid now ? Press <Y> or <N>
You are prompted as to whether the interest is to be paid
now <Y> or added to maturity value on new note <N>. Depending on
your responses, one or more of the following statements are
displayed:
Interest due on principal amount is $ 9.99
or
Interest added to principals is $ 9.99
Late charges due on principal are $ 9.99
or
Late charges added to principal are $ 9.99
These are then followed by one of the following statements:
Total interest due at this time is $ 19.98
or
Total interest added to principal is $ 19.98
_________________ New Promissory Note Information _______________
Principal amount is $ 999.99
or
New principal amount is $ 1009.98
If there is an interest amount to be added, the new
principal amount reflects this result, if no interest (due or
late charges) the amount shown is the same amount shown in the
original note.
Is there an interest charge? Press <Y> or <N>
Pressing <N> skips the next step and erases the prompt from
the screen. Pressing <Y>, the screen displays:
What is the interest rate, <F2>=0 [ ]
You are prompted to type in the interest. The entry may be
made in decimal or whole number, the program converts all entries
into decimal, both are displayed on the screen after you press
<ENTER>. If you are entering interest using whole or mixed
numbers (10 or 10.1) and want to input less than 1% (.01), you
must use a leading zero or the number must be converted to a
decimal.
Interest rate must not be negative, less than .1% (.001), or
greater than 100% (1.00) or the program beeps and repeats the
process until input is acceptable. If you are entering 100% it
must be entered as a whole number (100) since the program checks
16
the first character for a decimal point when converting from
whole number to decimal and cannot distinguish between 1.00
(100%) and 1 (1%).
You may press <F2> to remove an interest rate, if this is
your first interest input, pressing <ENTER> without any data is
also a zero rate. All late charges are converted to days for ease
in calculating days expired since Maturity Date and is displayed
as days both on the screen as well as printouts.
After interest is entered the program supplies the current
date as the transaction date. Since the interest calculated is
only effective on the current date and the current date is used
to determining late charges, the program supplies the date.
Screen displays:
Transaction date is : 02-01-1988
Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data
You are prompted to choose a type of term, days, months or
years. Pressing <ESC> returns you to the transaction date input
position. Pressing term option, displays one of the following:
How many days [ ]
How many months [ ]
How many years [ ]
The input must be filled the first time through, cannot be
less than one, days greater than 365 become 365, months greater
than 12 become 12 and years greater than 50 become 50. After an
acceptable entry, the program calculates the transaction date and
term, screen displays:
Maturity date is : 05-01-1988
Press <P>=print, <S>=screen, <ENTER>=new data or <ESC>=Menu
Because of the vast amount of input variances and results,
the data is printed on the screen in the same format as is
printed on the printer. Press <P> to print, <S> to display data
on the screen, <ENTER> to enter new/change data or <ESC> to
return to the Menu.
Depending on the entries, maturity date and late charges,
the program displays the following data, (labeled, here, for ease
in reading) is displayed along with header:
The is renewed note with interest
17
Old Note......
Principal X Rate X Term days = Interest
999.99 X 0.0120 = 12.00% X 365 days = 11.99
Principal + Interest = Maturity Value (or Current Value)
999.99 + 11.99 = $ 1,011.99
(if there is interest due at this time)
Plus interest to be paid at this time : $ 11.99 (if there are
late charges they are noted here)
New Note......
Principal X Rate X Term days = Interest
1,011.99 X 0.0120 = 12.00% X 365 days = 12.14
Principal + Interest = Maturity Value
1,011.99 + 12.14 = $ 1,024.13
------------------->
This is renewed non-interest bearing note
Old Note......
Maturity Value : Term days
$ 999.99 : 365 days
Plus interest to be paid at this time : $ 9.99 (if there are
late charges they are noted here)
New Note......
Maturity Value : Term days
$ 999.99 : 365 days
Press <P> to print, <ENTER> for new data or <ESC> for Menu
You are prompted to press <P> to print data, <ENTER> for new
data of <ESC> for Main Menu. You may press your choice the
<ENTER> option is there to allow you to change any or all data.
Remember on returning to the payee name entry position, the
pressing of <ENTER> in any input restores previous data, allowing
for ease in corrections or adjustments.
If you make errors during the entries, continue with the
rest of your inputs and then at the printer/screen/exit prompt
press <ENTER> repeatedly until you reach the entry to be
corrected. When you reach the entry to be changed, just type in
18
the new data and proceed as before.
*** see Screen Displays and Printouts ***
19
<C> Note Receivable - Buy/Sell
Press <C> from the Main Menu, screen displays (one at a
time):
Enter Payee's name [ ]
Enter Maker's name [ ]
Enter Buyer's name [ ]
Enter Sellers name [ ]
You are returned to this screen and position after all
operations in this option. You are prompted to type in Payee,
Maker, buyer and sellers names with the maximums being 32
characters. All inputs have the same restrictions, they may not
be left blank and must be filled the first time through.
If the Payee and Seller are the same if you just press
<ENTER> the Payee's name is transferred to the Seller's name.
After the names are entered, the screen displays:
What is the date of the note, mm-dd-yyyy [ - - ]
You are prompted to type in the date using both the BASIC
and DOS format 01-01-1988. The entry must contain 8 characters,
the program supplies the dashes. The input must be filled the
first time through and must be greater than 1979. If you already
have a date entered, to change it you must type in a new date.
After the date of the note is entered, screen displays:
Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data
You are prompted to choose a type of term, days, months or
years. Pressing <ESC> returns you to the transaction date input
position. Pressing term option, displays one of the following:
How many days [ ]
How many months [ ]
How many years [ ]
The input must be filled the first time through, cannot be
less than one, days greater than 365 become 365, months greater
than 12 become 12 and years greater than 50 become 50. After an
acceptable entry, the program calculates the transaction date and
term, screen displays:
What is the principal amount [ ]
20
You are prompted to type in the Principal Amount. This entry
must be filled the first time through, the entry here cannot
exceed $999,999 or the program beeps at you and returns you to
the entry position. After the principal entry, the screen
displays:
Is there an interest charge? Press <Y> or <N>
Pressing <N> skips the next step and erases the prompt from
the screen. Pressing <Y>, the screen displays:
What is the interest rate, <F2>=0 [ ]
You are prompted to type in the interest. The entry may be
made in decimal or whole number, the program converts all entries
into decimal, both are displayed on the screen after you press
<ENTER>. If you are entering interest using whole or mixed
numbers (10 or 10.1) and want to input less than 1% (.01), you
must use a leading zero or the number must be converted to a
decimal.
Interest rate must not be negative, less than .1% (.001), or
greater than 100% (1.00) or the program beeps and repeats the
process until input is acceptable. If you are entering 100% it
must be entered as a whole number (100) since the program checks
the first character for a decimal point when converting from
whole number to decimal and cannot distinguish between 1.00
(100%) and 1 (1%).
You may press <F2> to remove an interest rate, if this is
your first interest input, pressing <ENTER> without any data is
also a zero rate. After interest is entered, the input line is
replaced by the following line:
What is the transaction date, mm-dd-yyyy [ - - ]
You are prompted to type in the date using both the BASIC
and DOS format 01-01-1988. The entry must contain 8 characters,
the program supplies the dashes. The input must be filled the
first time through,on first time through you may press <ENTER> to
load current date, after first time through, you must type in new
date in order to change it. After the date of the note is
entered, the screen displays:
If the maturity date is past the current system date, screen
displays:
Number of days past maturity is : 5 days
Is there an interest charge? Press <Y> or <N>
21
Pressing <N> skips the next step and erases the prompt from
the screen. Pressing <Y>, the screen displays:
What is the interest rate, <F2>=0 [ ]
You are prompted to type in the interest. The entry may be
made in decimal or whole number, the program converts all entries
into decimal, both are displayed on the screen after you press
<ENTER>. If you are entering interest using whole or mixed
numbers (10 or 10.1) and want to input less than 1% (.01), you
must use a leading zero or the number must be converted to a
decimal.
Interest rate must not be negative, less than .1% (.001), or
greater than 100% (1.00) or the program beeps and repeats the
process until input is acceptable. If you are entering 100% it
must be entered as a whole number (100) since the program checks
the first character for a decimal point when converting from
whole number to decimal and cannot distinguish between 1.00
(100%) and 1 (1%).
You may press <F2> to remove an interest rate, if this is
your first interest input, pressing <ENTER> without any data is
also a zero rate. All late charges are converted today's for ease
in calculating days expired since Maturity Date and is displayed
as days both on the screen as well as printouts.
If there is still time on the note, the screen displays:
Number of days expired on note is : 49 days
Accumulated interest is $ 999.99
Is there a discount ? Press <Y> or <N>
Pressing <N> skips the next step and erases the prompt from
the screen. Pressing <Y>, the screen displays:
What is the discount rate, <F2>=0 [ ]
You are prompted to type in the interest to be used in the
discount. The entry may be made in decimal or whole number, the
program converts all entries into decimal, both are displayed on
the screen after you press <ENTER>. If you are entering interest
using whole or mixed numbers (10 or 10.1) and want to input less
than 1% (.01), you must use a leading zero or the number must be
converted to a decimal.
If the note is past due, the program does not ask for a
discount value and uses a heading that informs you that this is a
non-discount sale (if anyone would by a past due note?).
22
Interest rate must not be negative, less than .1% (.001), or
greater than 100% (1.00) or the program beeps and repeats the
process until input is acceptable. If you are entering 100% it
must be entered as a whole number (100) since the program checks
the first character for a decimal point when converting from
whole number to decimal and cannot distinguish between 1.00
(100%) and 1 (1%).
You may press <F2> to remove an interest rate, if this is
your first interest input, pressing <ENTER> without any data is
also a zero rate. All late charges are converted to days for ease
in calculating days expired since Maturity Date and is displayed
as days both on the screen as well as printouts. After interest
is entered, screen displays:
Press <P>=print, <S>=screen, <ENTER>=new data or <ESC>=Menu
Because of the vast amount of input variances and results,
the data is printed on the screen in the same format as is
printed on the printer. Press <P> to print, <S> to display data
on the screen, <ENTER> to enter new/change data or <ESC> to
return to the Menu.
Depending on the entries, maturity date and late charges,
the program displays the following data, (labeled, here, for ease
in reading) is displayed along with header:
(interest bearing note with late charge)
Principal X Rate X Term days = Interest
$999.99 X 0.0120 = 12.00% X 365 days = 119.99
Principal + Interest = Maturity Value
$999.99 + 119.99 = $ 1,119.99
Maturity Value X Discount Rate X Term days = Discount
$1,119.99 X 0.0100 = 10.00% X 12 days = $ 3.68
Maturity Value - Discount = Proceeds
$1,119.99 - 3.68 = $ 1116.31
------------->
Non-interest bearing note
Maturity Value X Discount Rate X Term days = Discount
$ 999.99 X 0.0100 = 10.00% X 65 days = $ 17.80
23
Maturity Value - Discount = Proceeds
$ 999.99 - 17.80 = $ 982.18
Non-interest bearing note, this is a non-discount sale(late
note)
Maturity Value : Term days
$ 999.99 : 90 days
Press <P> to print, <ENTER> for new data or <ESC> for Menu
You are prompted to press <P> to print data, <ENTER> for new
data of <ESC> for Main Menu. You may press your choice the
<ENTER> option is there to allow you to change any or all data.
***** NOTE ***** If a note is past due, no discount is
calculated and is handled as a non-discount note.
Remember on returning to the name entry position, the
pressing of <ENTER> in any input restores previous data, allowing
for ease in corrections or adjustments.
If you make errors during the entries, continue with the
rest of your inputs and then at the printer/screen/exit prompt
press <ENTER> repeatedly until you reach the entry to be
corrected. When you reach the entry to be changed, just type in
the new data and proceed as before.
*** see Screen Displays and Printouts ***
24
<D> From The Author
Press <D> from the Promissory Note Menu, screen displays:
From The Author
If you find this program useful, please send contribution, $10
is suggested, to the following so I can continue with updates as
well as new programs. Please include version number, source of
program and your diskette size.
James Huckabey, 3621-A Fraser Street, Bellingham, WA 98226
If you use the program on a regular basis, please show your
support for the program as well as the shareware theme. Feel free
to copy and pass on non-altered copies, however no fee may be
charged for the program itself.
You can send me diskettes to cover two megs with return postage
and $1 to receive a copy of all my current software. I would
enjoy hearing from you about your likes, dislikes or suggestions
on any of my programs. I am user friendly!
Press <ENTER> to Continue
Pressing <ENTER> returns you to the Main Menu.
25
<E> Exit The Program
Press <E> from the Promissory Note Menu, screen displays:
Promissory Note Program
I hope you have enjoyed the program
J A M E S H U C K A B E Y
software with a heart
Program is terminated and you are returned to DOS (system
start up level). If you exit the program, all data that was
entered into the program is lost, if you restart the program you
must reenter previous data to see previous results.
If you have a border color at DOS level other than black
before starting NOTES, the border is set to black on termination.
26
Screen Displays and Printouts
The program calculates all data which is then displayed on
the screen or printed on the printer. The data that is printed on
the screen is the same as the data that is printed on the
printer. The screens may not show all data because of screen
limitations but vital data is displayed. There are no prompts
during the printouts, these reports are contained on one page.
After choosing to print, you are prompted to set the paper
in the printer to 1/2 inch below the perforation and to turn the
printer off and back on.
Turning the printer on and off clears all printer codes that
might have been sent to the printer by previous programs, it also
makes wherever the paper is positioned the new home position.
Home position is the alignment position to which the paper is
returned to each time the printer advances the paper to a new
page (FF/form feed). This step is necessary only the first time
you do a print out and is not required again during this running
of the program.
You are prompted to enter the number of copies that you wish
to print, pressing <ENTER> uses the default of one copy, but you
can print up to 9 copies at a time. While printing, screen
displays:
Printing n copies, please wait.........
Where `n' represents the number of copies. When printing is
completed, you are returned to the name input position where you
may enter new data or exit from the chosen option.
27
GLOSSARY
ALL INPUTS=In this program, in number inputs all numbers from 0
to 9 and the decimal point are acceptable. In inputs
containing words (alphanumeric) any keyboard symbol
may be entered.
APOSTROPHE(S)=Used in this documentation and program as high
lighting and are not required on any input.
CONTROL KEYS=Pressing <F1> and <F10> perform the same function
and are used for ease of operation and may be
pressed for return to Main Menu from any input
or prompt. The <F2> key is used in removing data
from inputs that do not require data and may be
left blank. The <F5> key is used for skipping or
in other multiple choice prompts.
DEFAULT=Preset minimum or maximum set by the program to keep
inputs within the limits of the operation or to fit
within number formats used on screen displays and
printouts.
ENTER=Pressing of the <ENTER> or <RETURN> key. The word ENTER is
used in this program and documentation and may be called
RETURN on your system (big blue uses the return sign).
ENTRY, ENTRIES=Typing in data followed by the pressing of the
<ENTER> key.
INTEGER=Whole number without any decimal value, inputs requiring
an integer value convert all non-integer values.
PRESS=Means to press single key and does not require the pressing
of the <ENTER> key. Keys to be pressed are enclosed within
less than/greater than symbols < >. All <PRESS> requests
may be upper or lower-case.
PRESS <ENTER>=Where this is displayed, it is required to do the
task to which it is requested. The <ENTER> key is
also the default for `Y' (yes) or to continue
without exiting. In some cases the program prompts
you for either the <RETURN> or <ESC> key and is
used for ease in operation.
PRESS <ESC> TO EXIT=To exit an option when displayed on the
screen. In some cases the program prompts you
for either the <ESC> or <RETURN> key and is
used for ease in operation.
PROMPT=Displays on the screen upon which appropriate action must
be taken.
28
THE SCREEN DISPLAYS=What is displayed on the computer screen less
any decoration, all blank lines and may
contain abbreviations not used in the program
because of manual format.
29
Index
CALCULATE..............5,8,9,13,17,20,24,27
DAY....................5,8,9,11,13-15,18,21-24
DISCOUNT...............22-24
DUE....................11,12,16,18,22,24
ERROR..................12,19,24
<F1>...................28 (not listed in manual or screen)
<F2>...................10,11,14-17,21-23,28
<F5>...................28 (not listed in manual or screen)
<F10>..................28 (not listed in manual or screen)
INTEGER................28 (not listed in manual or screen)
MONTH..................9,13,17,20
PRINCIPAL..............9,11,13,16,18,20,21,23
RATE (see interest)....10,11,12,14-18,21-23
TERM (see period)......5,8,9,11,13,16,17,18,20,23,24
TERMINATE..............7,26
USER...................2-4,7
YEAR...................9,13,17,20
ZERO...................10,11,14-17,21-23
30
James Huckabey
software with a heart
Date: P.O.Number:
James Huckabey
3621-A Fraser Street
Bellingham, WA 98226
================================================================================
QUANTITY| DESCRIPTION | EACH | TOTAL
--------------------------------------------------------------------------------
| Promissory Note Program, contribution only | 10.00 |
--------------------------------------------------------------------------------
| Current version on diskette U.S./Canada add | 2.00 |
| outside U.S./Canada add | 5.00 |
| Disk Size: 360[ ] 1.2[ ] 720[ ] 1.44[ ] | |
--------------------------------------------------------------------------------
| Site License (allows multiple copies to be | 25.00 |
| run at same location for one fee) | |
--------------------------------------------------------------------------------
| | |
| | |
--------------------------------------------------------------------------------
SUBTOTAL |
(Washington state residents please add 7.6%) SALES TAX |
==============
(U.S. funds only) TOTAL |
................................................................................
FROM: NAME:
-------------------------------------------------------
ADDRESS:
-------------------------------------------------------
CITY:
-------------------------------------------------------
STATE & ZIP:
(or Country)-------------------------------------------------------
-------------------------------------------------------
-------------------------------------------------------
Your current version number date
------------ ---------------
(from title screen)
31
