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