The 640 MEG Shareware Studio 2/The 640 Meg Shareware Studio CD-ROM Volume II (Data Express)(1993).ISO/business/wms62dos.zip/HOWTOUSE.WWO

Text File | 1992-10-02 | 17KB | 431 lines

                        Wealth Management System
                              Instructions

 The following Files must be in the same directory:

 WealtCal.Exe
 WealtMgr.Exe
 Getrich.WWO
 Howtouse.WWO
 Sample.WMS
 Sample.WMN

 To Start: Type at your screen prompt:

 WealtCal  <ENTER> for Savings, Retirement, Mortgage, Loan, Net Worth and
    Saving to Build Capital Calculations.

 WealtMgr  <ENTER> for the DataFile Manager and Calculations.

 First: Make a backup copy of this program and keep it in a safe place.

 The name Fund/s is used throughout the program and holds the Company
    name of the investment whether it is in Stocks, Bonds, Mutual
    Funds or any other form of investment.

 The Wealth Fund Management Program will manage up to 30 different funds.

 All Menu's are self-explanatory and make it is easy to use the Programs.

 One cannot do any damage if one makes mistakes. There is a datafile
    called Sample.WMS with WealtMgr.Exe. Load it to see how the
    various entries are made. There is also a datafile called Sample.WMN
    which is used with WealtCal.Exe.

 If you find that you made a wrong choice from the Menu and wish to get
    back to the Menu without making changes, just keep pressing <ENTER>
    to get back.

 When entering data in a record, if a line requires no data, press <ENTER>
    instead of entering a 0 to save time.

 Where asked for a decision, Y)es or <ENTER>, entering Y will carry out
    the instruction and <ENTER> will cancel it.

 When selecting a program from the Menu's you have the option of using the
    Uparrow/Downarrow and <ENTER> or type the number shown beside the
    program and <ENTER>.

 Numerical Data Entry: Where number only input is required the program
    will not accept letters or other characters from the keyboard, with
    the exception of the backspace key to erase errors on that line and
    the <ENTER> key which completes the entry.

 Help Screens: Are available to show how to enter data in different ways.
    Use them as a guide for your own entries, until you become familiar
    with the different ways they are used.

    When entering data in the Savings Growth Calculator there are seven
    examples, with explanations, of the different ways they can be used.

    The Retirement Income Calculator shows one example.

    The Investment Manager has eight H)elp screens to show how to enter
    data for Bought, Sold, Dividends in Cash, Dividends in Shares, Shares
    sold for Fees and Management Fees.

    The Mortgage Comparison Calculator has three examples.

    The Net Worth Program has one example.

 To Find Specific Instructions.
    There are two main sections. The first pertaining to the Calculator
    and the second to Fund Management. Within each section are subsections
    named and listed in the order that they appear on the Main Menu's.

               INSTRUCTIONS ON HOW TO USE THE CALCULATOR

                       SAVINGS GROWTH CALCULATOR

 To show how your capital could grow during the savings period.

 (1) Enter annual amount available for investment or a lump sum.

 (2) Re-enter annual amount added each year or 0 if this is a one-time
    investment.

 (3) Enter anticipated annual interest/growth rate in percent.

 (4) Enter how many years this investment will be left to grow.

 (5) Enter the anticipated annual inflation rate in percent. Has been
    running at 5% in recent years. This will show the amount to be saved
    each year to keep pace with inflation. It will still only have the
    same purchasing power as the amount you started with.

 How to read the Savings Growth Tables.

 YEAR: Shows the Number of years the investment is left to grow.

 ANNUAL INVESTMENT: Shows amount invested by you each year.

 INTEREST/GROWTH: Shows the annual compounded rate of Interest/Growth.

 CURRENT VALUE: Shows the current value of your investment at the end of
    each year.

 TOTALS: Are shown at the end of each column.

                      RETIREMENT INCOME CALCULATOR

 To show how much income could be withdrawn each year while Capital keeps
    growing.

 (1) Enter the amount of capital available on retirement.

 (2) Enter anticipated annual interest/growth rate in percent.

 (3) Enter percentage of capital to be withdrawn as income at end of
    each year.
    Always use a withdrawal as income percentage lower than the growth
    rate percentage to take inflation into account. If the growth rate is
    20% then taking out 15% each year would give 5% inflation protection.

 (4) Enter number of years which you will be withdrawing income.

 How to read the Retirement Income Tables.

 YEAR: Shows the Number of years the investment is growing and providing
    an income.

 INTEREST/GROWTH: Shows the annual compounded rate of Interest/Growth.

 ANNUAL INCOME: Shows the amount of money withdrawn at the end of each
     year. For example Starting Amount = $100,000.00 ,Interest/Growth
     rate = 15% for 25 years, withdrawal income = 10% each year.

    The first year would show Interest/Growth at 15% of Starting Amount
    of $100,000.00 = $15,000.00.
    Annual Income = 10% of $100,000.00 = $10,000.00.
    Interest/Growth of $15,000.00 minus Annual Income of $10,000.00 =
    $5,000.00 which is added to the Starting Amount for a Current Value
    of $105,000.00.

    After the first year all calculations are based on the previous year's
    Current Value.

    Always use a withdrawal rate lower than the interest/growth rate to
    take inflation into account. The above example would give 5%
    inflation protection.

 CURRENT VALUE: Shows the current value of your investment at the end of
    each year.

 TOTALS: Are shown at the end of each column.

                       FIND ANNUAL COMPOUND GROWTH

 Enter the Cost of investment (Property, Stocks, Bonds, etc) then enter
    the present value and the number of years you have held or intend to
    hold the investment and the program will show the rate of return
    compounded on an annual basis.

                           PAYMENT ON A LOAN

 Enter the Loan Amount, the Annual Rate of Interest and the Life of the
    Loan in Months. Uses monthly compounding.

                               NET WORTH

 See section 'Net Worth Statement' at the end of instructions for details.

                               MORTGAGE TABLES

 Please note that American and Canadian Mortgages are computed
    differently. American are compounded monthly while Canadian are
    compounded semi-annually.

                          MORTGAGE COMPARISONS

 Enter at (1) the Mortgage amount, at (2) the rate of interest, at (3)
    the number of years. On the next line enter which of the three you
    wish to vary and then enter the amount of increase which must be
    related to the entry chosen. Program will then show a table of ten
    lines for comparison.

 For instance if you choose (2) then an entry of 0.25 will show the
    effect of interest rates in increments of 1/4 of 1%.

                CANADIAN AND AMERICAN MORTGAGES DETAILED

 Enter the Mortgage Amount, the Rate of Interest and number of Years. It
    will then show Blended Monthly Payments of Principal and Interest,
    a breakdown of where the Monthly payment goes each month for the life
    of the Mortgage with Totals for each year. Hitting enter will give
    the data for the following year.

                       SAVINGS GROWTH COMPARISONS

 Entries are the same as for the Savings Growth Calculator with one
    additional entry, Post to Investment, by entering 1 to 4 your
    calculations will be posted to that Investment number. 0 will keep it
    in the entry area. Giving you five Future Value comparisons.

                          HOW TO BUILD CAPITAL

 Enter: The amount of Capital you require.
    The number of years you intend to invest your savings.
    The expected Interest/Growth Rate.
    Table will show the annual savings required to accumulate your Capital.

              INSTRUCTIONS ON HOW TO USE THE FUND MANAGER
              -------------------------------------------

                        START A NEW FILE

 Starting with no records in memory, choose Add and Edit Funds from
    the main menu.

 At A)dd or C)hange or D)elete a Fund Name choose A)dd.

 Enter the Name of the New Fund.

 From the main menu choose Add and Edit Records.

 Use F)unds to select the Fund to which the record will be added if it is not
    the one shown.

 Select A)dd Record, Use H)elp Screen for sample of transaction. Enter your
    data.

 Record is checked before saving. If the entries are incorrect the record
    will not be saved. Entries must be compatible with the Transaction.
    See H)elp for guidance.

 When you are finished adding records, from the main menu choose Save
    Current File to Disk. Enter a unique filename.

 The file has now been saved to disk and can be recalled by choosing Load
    a File from Disk.

                             RECORD ENTRIES

 Use H)elp to see how entries are made for the different transactions.

 (1) TYPE OF TRANSACTION: You must enter one letter to tell program how
    to compute the record. B = Bought, S = Sold, D = Dividends in Cash
    or Shares and F = Fees paid in Cash or Shares sold as in a Mutual Fund.
    The full names will be added automatically.

 (2) DATE (YY MM DD): Enter 2 digits for Year, Month and Day (92 06 31).

 (3) PRICE OF EACH SHARE: Enter price of each share, do not include
    commission. For a Share/Split Dividend enter the price at time of
    issue.

 (4) NUMBER OF SHARES: Enter total number of shares Bought, Sold or
    subject to a Share/Split Dividend.

 (5) COMM OR FEES: Enter total cost of commissions if any incurred.
    If not part of a trade, such as a Management Fee do no enter
    anything in (3), (4) or (6).

 (6) TOTAL OF CASH DIVIDENDS: Enter cash dividends. No entries in
    (3), (4) or (5).

 Book Value: Represents the total cost to you. For instance if you
    bought 100 shares of a stock for $10.00 each and paid $50.00
    commission, your book value for the transaction would be $1,050.00.

    If you then received a cash dividend of $100.00, the book value
    for the transaction would be -$100.00 and the Total book value
    would be $950.00.

    If you now sold the total 100 shares for $20.00 each, your
    book value for the transaction would be -$2,000.00. and your
    Total book value would read -$1,050.00.

    In Total book value a Positive figure represents a cost to you
    in cash while a Minus figure represents cash taken out by you.
    (Your Profit).

                         LOAD A FILE FROM DISK

 If there is a datafile on disk it will be shown with the extension
    (.WMS). Enter the name shown without the extension and it will be
    loaded into memory

 You can have separate datafiles for other members of your family or
    for different types of investments by creating datafiles with
    different names.

                         COMPUTE CURRENT VALUE

 Will show the Funds in file. At the prompt enter current share value for
    each Fund.
    Funds will be shown with the bookcost and current values, the
    Gain or Loss in Dollars and as a Percentage.

                        DISPLAY DATA FROM A FUND

 Enter the number of an individual Fund or use the UpArrow/DownArrow and all
    records for that Fund will be shown with Totals. You can then enter the
    current or a WhatIf value.
    Enter the number shown beside All Records to see all records in the
    file. If the records have been Sorted they will be shown by date in
    ascending order.

                           ADD AND EDIT FUNDS

    Select A)dd and enter the Fund name.
    Select C)hange to change the name of a Fund.
    Select D)elete to delete a Fund name. You cannot delete a Fund which
    contains records, first delete all records from the Fund and then
    delete the Fund name.

                          ADD AND EDIT RECORDS

 F)unds: Press to get a list of all the funds in the file. Choose the
    number of the fund you wish to edit.

 N)ext: Press to scroll forward through all the records in the Fund
    selected. Will Beep when last record is shown.

 P)revious: Press to scroll back through all the records in the Fund
    selected. Will Beep when first record is shown.

 A)dd: To add records to a Fund. Select the F)und to which the record
    will be added if it is not the current fund, then A)dd Record.
    A blank record will be shown, enter your data. Use H)elp for entry
    details.

 C)orrect: To make changes to the current record shown, select C)orrect
    choose the line using P)revious or N)ext or Uparrow/Downarrow to move
    the pointer <- and C)hange the data.
    If the change is incompatible with the Transaction the record will
    not be saved. Example: Changing a Transaction from Sold to Dividend.
    In such cases D)elete the Record and re-enter by A)dding a Record.

 D)elete: Will erase the current record shown from the file.

                        SAVE CURRENT FILE TO DISK

 The name of the current file will be shown. Y)es will save it. If you
    choose <ENTER> you will be prompted for a new file name.
 If it is a new file and has not been named and saved you will be prompted
    for the name. Enter a filename containing up to 8 letters. Do not use
    the extension .WMS as it is added automatically.
 You can also save to a different drive by specifying the drive
    e.g. B:\NameofDataFile

 WARNING: All changes made to a File or Funds exist only in computer
    memory and will be lost on exiting the program. To have a permanent
    copy for later use, save the File to Disk  When you end the program
    you will be asked if you have saved your file. If not <ENTER> and
    Save Current File to Disk.

    When you save the datafile in memory to disk, using an existing
    filename, that datafile is overwritten. If you save an empty
    datafile in memory to disk using an existing name that datafile will
    also be empty.

    To make a backup copy. Put another disk in the drive and save again
    to have a backup copy of your data or use a different name for your
    backup datafile.

                                 HOW TO...

 Contains the documentation. Select 'How to Get Rich and Stay Rich' or
    'How to use the program'. Use Change background and text color to get
    the most pleasing color combination. The default is, White background
    with Black text.

                              SORT RECORDS

 Records are sorted by date (YY MM DD). File Names are sorted automatically as
    they are A)dded, C)hanged or D)eleted.

                      NUMBER OF RECORDS IN MEMORY

 Shows the current number of funds and records in the File. Will change
    with additions or deletions.

                          NET WORTH STATEMENT

 Menu shows the following:

 Save and Load files instructions are the same as for Fund Manager.
    With one exception, the files have a different extension .WMN.

 Display Current Net Worth: Shows your net worth statement.

 Add and Edit Assets and Add and Edit Liabilities use the same inputs
    for both. I)nsert C)hange or D)elete Category. H)elp. Change V)alue,
    P)revious or N)ext Category.

 I)nsert will add a new Name to the Category list. Names will be added
    on the next line to the one that has the pointer ->. This enables you
    to insert anywhere in the list. To add to the bottom of the list make
    sure the pointer is on the last name.
    To get sub totals for a group of categories. I)nsert on the last name
    in the group and enter ST and the name will then automatically
    fill out to its longer form of 'Sub Total' or type in 'Sub Total"
    using either upper or lower case.

    The words 'Sub Total" also tell the display to type a line above the 'Sub
    Total' figures and a blank line after them.

    Headers for groups can be inserted in the Names category.

 C)hange allows you to change the name of the category at the pointer ->.

 D)elete will delete the category at the pointer > from the file.

 Change V)alue will insert new values or change old ones at the pointer ->

 P)revious and N)ext or Uparrow/Downarrow will scroll through the list of
    names with the pointer -> at the current category line.

 There is a sample file called Sample.WMN with the package. It is to
 show how you can set up your own file. You can have up to 30 categories
 in each section of Assets and Liabilities.

  This program is also available in a version that runs under MS-Windows
    3.x using all the graphical and mouse button features.




                                  End