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1986-08-03
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LIMITS OF LIABILITY AND DISCLAIMER OF WARRANTY
The author has used his best efforts in preparing these programs.
These efforts include the development, research, and testing of
the theories and programs to determine their effectiveness. The
author makes no warranty of any kind, expressed or implied, with
regards to these programs. The author shall not be liable in any
event for incidental or consequential damages in connection with,
or arising out of, the furnishing, performance, or use of these
programs.
Managing Money With Your IBM PC
by
A. Glazer
This disk contains all the BASIC programs contained in my
book Managing Money With Your IBM PC (Prentice-Hall, 1985).
Among other things, the programs can determine the after-tax cost
of a loan, demonstrate the advantages of an Individual Retirement
Account, compare loans which have different interest rates and
different origination fees, and calculate the amount of monthly
savings necessary to finance a college education.
You can be confident that the algorithms used are correct:
the author holds a Ph.D. in economics from Yale University and is
a professor of economics at the University of California; the New
York Times recommended the book in its September 29, 1985 issue.
You can get complete documentation for the programs by borrowing
or buying the book; it explains all the programs, contains
chapters on programming and business mathematics, provides 52
extensions to the programs, and discusses 106 worked out
examples. I think you can learn quite a bit about personal
finance and programming by reading the book. Maybe you'll even
learn how to save thousands of dollars. Many bookstores carry
the book, and all should be able to order it.
A few notes on using the programs. When the program asks for
a month, enter the number of that month (for example, 12 for
December). Enter years with four digits, for example 1986. Do
not use the percentage sign when entering an interest rate. For
example, enter 11.5 for an annual interest rate of 11.5 per cent.
Don't put commas inside any numbers, and don't put a dollar sign
in front of any number you enter. For example, enter 10000 for
ten thousand dollars.
Some of the programs (such as POINTS) use the bisection
method to solve equations. The computer will take a few seconds
to calculate the result, so please be patient.
To use the programs, enter the BASICA interpreter. Then load
the program you want. For example, to use the amortization
program, enter LOAD "AMORTIZE, press the Enter key, enter RUN,
and press the Enter key again.
The names of the programs (without the .BAS suffix), and
brief descriptions of them, are given below.
*** Calendar programs ***
DAYOFWEE Day of week on which a specified date falls
DAILYODO Date that is a specified number of days away from starting date
MONTHLYO Date that is a specified number of months away from starting date
DATEDIST Number of years, months, and days between two dates
NUMDAYS Number of days between two dates
DATESINM Dates in a month on which a specified day of the week falls
*** Loans ***
AMORTIZE Amortization schedule for a mortgage. Also determines monthly
payment on a loan
BALREM Balance remaining on a mortgage
LOANQUAL Size of loan you can get at specified interest rate and
monthly payment
LOANTERM How many payments you must make on a loan
INTRATE Interest rate on a loan
POINTS Effective interest rate on a loan that charges points or
origination fees. Useful when deciding whether to refinance
LOANCOST After-tax cost of a loan
RULEOF78 Amortization schedule for consumer and automobile loans
*** Savings Accounts ***
TERMDEPO Balance in a savings plan any number of years after an
initial deposit
MNTHINCM Monthly income you can obtain from a specified amount of money
PERBALAN Balance in savings account after any number of deposits
SAVHISTO Annual balance in a savings program with deposits that grow
each year
DEPGROWS Balance in a savings program with deposits that grow
each week, month, or year
PERDEPOS How much you must deposit each month or year to reach a
savings goal
PERTERM How many monthly or annual deposits you must make to reach
a savings goal
PERRATE The interest rate you must earn on your savings to reach
a specified savings goal
IRA The benefits of saving in an Individual Retirement Account
*** Investments ***
SIMPINV Analysis of an investment that produces no annual income
INVHISTO Annual description of an investment: value, rate of return,
capital gains, and income
PAYBACK How long it takes to recover an investment
INVVALUE Present value of an investment
INVINCOM Annual or monthly income that yields a specified rate of return
INVYIELD Annual rate of return on an investment
INVPRICE Sales price of an asset that yields a specified rate of return
*** Charge Accounts ***
CREDITCA The gains from using a credit card instead of paying in cash
CREDITPU Minimum payment schedule for a credit purchase
CHARGEHI Monthly status of a revolving charge account
If you find these programs useful, please submit a payment
of $10.00 together with your name and address to
Amihai Glazer
1411 21st Street
Manhattan Beach, CA 90266
The contents of this disk are copyrighted (1985) by A.
Glazer. You are, however, allowed to make backup copies of
the disk, and you are permitted and encouraged to copy the
distribution diskette and pass it on to friends and
associates, provided that you distribute the complete
contents of the diskette (including the documentation and
this notice).