Best of Shareware/Best of PC Windows Shareware 1.0 - Wayzata Technology (7111) (1993).iso/mac/ZIPPED/DOS/HOME/M&B140.ZIP/__002.EXE/MONEY.DOC

Text File | 1993-08-11 | 129KB | 2,551 lines

         ╔════════════════════════════════════════════════════════════╗
         ║                                                            ║
         ║                     { MONEY & BANKS } tm                   ║
         ║                                                            ║
         ║                                                            ║
         ║  (C) Copyright MCMXCII, MCMXCIII RCCO Research Associates. ║
         ║    All Rights Reserved under International Conventions.    ║
         ║                                                          D ║
         ╚════════════════════════════════════════════════════════════╝



































{ MONEY & BANKS } Documentation
─────────────────────────────────────────────────────────────────────────────










MONEY.DOC                  { MONEY & BANKS }  Documentation            Page 2



Table of Contents
──────────────────                                                       page

Quick Start .............................................................   3

Easy batch file ideas ...................................................   4

Moving around ...........................................................   5

Practice with SAMPLE.BNK ................................................   6

The opening screen:  Main Menu ..........................................   8

Transactions Module .....................................................   9

Table View of Account Tables ............................................  12

Editing, Adding to the Payee/Payor Table ................................  13

Editing, Adding to the Allocation Table .................................  14

Split Transactions ......................................................  16

Dual PCodes? ............................................................  17

Viewing/Editing the Archive table .......................................  18

Reconcile your Bank Statement ...........................................  19

Adding a New Account ....................................................  20

The Check Printer .......................................................  22

The Report Writer .......................................................  23

View Tables .............................................................  26

The Utilities Menu ......................................................  27

Printer Support for Reports, Checks and Labels Printing .................  30

Technical Matters .......................................................  31

APPENDIX A  (additional check-printing setup & information)..............  33

APPENDIX B  (registration notes & information) ..........................  35

APPENDIX C  (commonly asked questions & some answers) ...................  37









MONEY.DOC                  { MONEY & BANKS }  Documentation            Page 3


 ┌──────────────────────────────────────────────────────────────────────────┐
 │ To read this documentation on-line anywhere in the program, simply press │
 │ the <Alt-M> (for "manual") key combination.                              │
 └──────────────────────────────────────────────────────────────────────────┘




Quick Start:
─────────────
If you did *NOT* use INSTALL.EXE, or are moving files:

Place all the program files in a directory on your hard disk called

           \MONEY

Only one type of accounts,  such as "personal accounts" (usually your bank or
money market accounts,  as many as desired),  should be created/maintained in
this one directory.   (If you are using the program ONLY for a small business
location,  obviously  your business banking will be done  in the main  \MONEY
directory;  the point is,  do not commingle personal and business accounts in
the same directory.)

  ┌───────────────────────────────────────────────────────────────────────┐
  │ If you went through the normal Install process using INSTALL.EXE the  │
  │ above directory was created and all files properly installed.         │
  └───────────────────────────────────────────────────────────────────────┘


The following few paragraphs are applicable only if you are setting up addit-
ional  directories for business accounts  that are not  to be commingled with
data from your personal accounts:

If business or institutional account(s) are to be used, create a subdirectory
directly below \MONEY, ie:

            \MONEY\BUSINESS

When you require directories in addition to the original \MONEY directory you
*MUST*  add the  \MONEY  directory to the path statement in your autoexec.bat
file.   (You  need  not  alter  the path statement if only the one directory,
\MONEY, will be used.)

Also, in your \MONEY\BUSINESS directory make sure you have copies of the fol-
lowing files:

   PNAMES.DBF, ALLOCATE.DBF, SECUR.DBF, CARDS.DBF, _ADMIN.PCX, and
   ARCHIVE.DBF  (any needed .NTX files will be built by the program)

   (Whenever you create a new data directory  other than the original  \MONEY
   directory,  please ascertain the above files are present in the directory.
   DO NOT PLACE DUPLICATES OF ANY OTHER FILES IN THE SECONDARY DIRECTORIES!)

Most of these files will eventually be different from those in  your personal
directory; for example,  Payees/Payors/Allocations will vary.  The sample en-



MONEY.DOC                  { MONEY & BANKS }  Documentation            Page 4


tries  in the  PAYEE/PAYOR table  and the  ALLOCATION table may eventually be
changed/deleted by you after you see how they are set up for your own needs.

The Archive table  (ARCHIVE.DBF)  for each directory  must start with a clean
(empty) copy;  all the bank accounts  (*.BNK files)  that will  be created in
each directory will depend on the one Archive table.

You may delete previous or samples entries  made in the Archive table  before
any new,  "real" data is entered during transactions.    There is more infor-
mation on deletions in the Archive table in the documentation under the head-
ing, "Practice with SAMPLE.BNK."

Remember,  do  not tamper with  or delete any file that begins with an under-
score, as the program will not work properly.

Do not create banking directories  other than one level immediately under the
main \MONEY directory.  That is, do not create something like

                     \MONEY\BUSINESS\BUS2

Rather, if a second business directory is needed, use

                     \MONEY\BUS2

There may be as many subdirectories off \MONEY as you would like, and you may
add as many bank account tables as you would like in each directory.





Easy batch file ideas...
─────────────────────────
You may wish to create two batch files for your batch directory:
       ┌──────────┐
       │ BANK.BAT │               (for personal accounts only)
       └──────────┘
         @ECHO OFF
         C:                       (or whatever drive you use)
         CD \MONEY
         MONEY


and the other one for business accounts:
       ┌───────────┐
       │ BANKB.BAT │              (for business accounts, if needed)
       └───────────┘
         @ECHO OFF
         C:
         CD \MONEY\BUSINESS
         MONEY                    ( \MONEY must be in the path statement)


Please  consult your  DOS manual  if you are  unfamiliar with  creating batch
files and altering your path statement.   The above batch files will make op-



MONEY.DOC                  { MONEY & BANKS }  Documentation            Page 5


eration of  { MONEY & BANKS }  easier for you.

If you have not yet created your batch files and simply want to get right in-
to the program, change to the \MONEY directory and type:

                        MONEY <Enter>

to begin the  { MONEY & BANKS }  program.




And then...
────────────
One of the first things you may wish to do in  { MONEY & BANKS } is set up at
least one account for your own bank. There is an option on the Utilities Menu
that will guide you through this.   There is also a sample bank table, called
SAMPLE.BNK,  that is for your practice;  there is further info on this in the
section of the documentation called "Practice with SAMPLE.BNK."

Using the sample table will keep you from entering data incorrectly  in  your
own "real" tables while you are learning the program; a few minutes using the
sample table will save you a great deal of time later on.




Moving around...
─────────────────
In general,  the  <Esc> key or  <RightMouse> will back you up to the previous
screen or menu; exceptions are noted on certain screens, but in general <Esc>
or  <RightMouse> are the exit keys.    <LeftMouse> is the same as the <Enter>
key.     Scroll with the mouse or arrow keys up/down tables, menus, on-screen
reports, and when reading this reference material on-line.

In most data tables,  when  accessing  them  in  'Table View'  (similar to  a
spreadsheet image),  there  are  some special key combinations called  Quick-
Jumps.   QuickJumps allow you to move around to the  four corners of a  table
instantly,  avoiding  lengthy scrolling with  arrow keys or  the mouse.   The
QuickJump keys are:     <Ctrl-PgDn>      <Ctrl-PgUp>      <Ctrl-End>      and
<Ctrl-Home>.   (Also,  <Ctrl-RightArrow> and <Crtl-LeftArrow> may be used for
panning to the right and left.)    Once you observe their function, you  will
most likely  always use them.   Often their  availability  is indicated  with
reminders at the bottom of  many table view screens;  their existence and use
is available in almost all table views throughout the program,  whether indi-
cated or not.    Pressing <Esc> or <RightMouse> while in table view saves any
changes that may have been made and returns you to the previous level.

In Table View,   a blinking cursor inside of a cell indicates that you are in
edit mode.  To end edit mode of a cell and retain any changes, press <Enter>.
To discard current cell edits, press <Esc> while still in edit mode.

To answer one question you will have:   the little "pushbuttons" appearing at
the top of the menus are cosmetic only, they do nothing (except make you won-
der what they are for).  You cannot address them with the mouse.



MONEY.DOC                  { MONEY & BANKS }  Documentation            Page 6



 ┌──────────────────────────────────────────────────────────────────────────┐
 │ Almost everywhere in the program, pressing <F1> for Help will bring up   │
 │ context-sensitive Help.  The center button on three-button mice, alias   │
 │ <MiddleMouse>, will provide the same function as the <F1> Help key.      │
 └──────────────────────────────────────────────────────────────────────────┘

To read this documentation online anywhere in the program,   simply press the
<Alt-M> (for "manual") key combination.   There are text  search  and  print-
marking facilities available online.

Don't forget to try the pop-up Calculator with the <Alt-K> combination in any
module, anywhere in the program;  <Esc> or <RightMouse> exits the calculator.
Also, anywhere in the program <Alt-L> will bring up a pop-up Calendar;  <Esc>
or <RightMouse> exits the calendar.

<Alt-S> calls up the new  { MONEY & BANKS }  Appointments Scheduler, a useful
and intuitive pop-up facility for both business and personal scheduling. This
utility creates and maintains its own data tables to reference your  appoint-
ments; therefore, be advised that appointment tables in a business  directory
will be different from those in a personal banking directory.   (When you are
working IN your business directory,  <Alt-S>  will  access  the  appointments
table in that directory; if you change to your  personal  banking  directory,
then <Alt-S> will bring up a different set of appointment records existing in
that directory.)    Pressing <Esc> or choosing <R>eturn on the Scheduler Menu
will return you to what you were doing prior to accessing the Scheduler.


  ╔══════════════════════════════════════════════════════════════════════════╗
  ║                                                                          ║
  ║            Summary of hot-key facilities (pop-ups):                      ║
  ║                                                                          ║
  ║                  <Alt-M>   <M>anual (on-line documentation)              ║
  ║                  <Alt-K>   <K>alculator                                  ║
  ║                  <Alt-L>   ca<L>endar                                    ║
  ║                  <Alt-S>   appointments <S>cheduler                      ║
  ║                                                                          ║
  ║                  <F1> or <MiddleMouse>    Help                           ║
  ║                                                                          ║
  ║                  <Esc>     exits any of the above                        ║
  ║                                                                          ║
  ╚══════════════════════════════════════════════════════════════════════════╝




Practice with SAMPLE.BNK...
────────────────────────────
Before you start entering your transactions in any newly created bank account
tables, you may want to experiment with the the practice account table called
SAMPLE.BNK included with the files in this package.   (For information on how
to make transaction entries in SAMPLE Bank  or other account tables,  see the
section on the Transactions module in the documentation.)

Practice  entering  all  types  of  transactions in  SAMPLE Bank:   deposits,



MONEY.DOC                  { MONEY & BANKS }  Documentation            Page 7


checks, ATM withdrawals, etc.  Initially, make yourself a generous deposit so
that you will have some "mad money" to play with.   Manipulate and spend lots
of it.   You may experiment with printing "checks" (use blank pieces of paper
or  discardable  checks),  as well as mailing labels.   Before you leave your
practice sessions,  make sure you try entering a few "split" transactions  --
both checks and deposits -- that are mentioned in the documentation under the
heading, "Split Transactions."   Most of all, try to get comfortable with the
interface  and  feel of the Transactions module and all that must be recorded
there, observing/using the various options, "hot-keys," and pop-up screens.

Time spent practicing  with SAMPLE Bank  will pay off in lessening  the tedi-
ous  editing/removal in your "real" account tables of erroneous or  misunder-
stood data entry.

Remember, however,  any "transactions" you make in this practice account will
be automatically entered into the existing  Archive table  as well,  and will
need to be deleted before doing any "real" transactions in your own accounts.

After  practicing,  to delete  SAMPLE Bank's  entries from the Archive table,
choose View Tables from the Main Menu,  then select Other (*.DBF).   From the
resulting scrolling list,  select ARCHIVE.DBF and carefully follow these ins-
tructions for deleting records (rows) in the Archive table:

Place the cursor on any entries that have in the column "ICODE"  (which shows
the different institutions,  or accounts,  in your system)  the  entry called
"SAMPLE;"  these are the  practice  entries  that  result after you have made
sample transactions.   If you have not made other  "transactions"  than those
with  SAMPLE Bank  you will see only  "SAMPLE"  in the ICODE column.   Simply
press the  <Del>  key on your keyboard on each row as you move down the table
searching for SAMPLE Bank's entries.

Please be aware that when you delete (with the <Del> key) a record (or "row,"
if you are  used  to  spreadsheet  terms),  it is first "marked" for deletion
(you will see a caption,  <Deleted>  at the top of the screen).    The actual
deletion does NOT OCCUR until you EXIT the table view screen.  Also note that
the <Del> key is a "toggle;"  that is, if you press  <Del> a second time on a
record already marked for deletion you will "undelete" the record.

Any undeletes must be performed  prior to exiting the table view screen.   As
you exit,  any  records  marked for deletion are permanently removed from the
table.  Exercise extra caution when performing record deletes on any archival
tables, which are in essence permanent history tables and any deleted records
are irretrievably lost.

Pressing  <Esc> or <RightMouse> saves any changes that may have been made and
returns you to the previous level.   When  you  next  again  view the Archive
table, the records you "marked" for deletion are gone.

Also,  when practicing with  SAMPLE.BNK,  any changes you make in the  Payee/
Payor table (PNames.dbf) or the Allocation table  (Allocate.dbf)  will remain
but are easily edited or deleted at any time.   You may use the  View  Tables
selection on the Main Menu to access these tables for editing.  The on-screen
help reminders in  View Tables show you the editing/access keys from the dif-
ferent screens.




MONEY.DOC                  { MONEY & BANKS }  Documentation            Page 8


You may also edit tables from within the Transactions module;  there is  more
information in the documentation under the headings  "Editing,  Adding to the
Payee/Payor Table,"  "Editing, Adding to the Allocation Table"  and "Viewing/
Editing the Archive Table."

You may eventually wish to  delete the  SAMPLE.BNK  practice table  from  the
directory,  after you begin entering "real" transactions  in your own account
tables.
















The opening screen is the Main Menu
────────────────────────────────────
Upon loading the program, the Main Menu appears,  presenting a screen similar
to the following:



                     ╔═══════════════════════════════════╗
                     ║ ■ │   { MONEY & BANKS }   │  │  ║█
                     ║───┘───────────────────────└───┴───║█
                     ║                                   ║█
                     ║                                   ║█
                     ║     ┌────────────────────────┐    ║█
                     ║     │                        │    ║█
                     ║     │    Transactions        │    ║█
                     ║     │    Check Printer       │    ║█
                     ║     │    Report Writer       │    ║█
                     ║     │    View Tables         │    ║█
                     ║     │    Utilities           │    ║█
                     ║     │    ...                 │    ║█
                     ║     │    Quit to System      │    ║█
                     ║     │                        │    ║█
                     ║     └────────────────────────┘    ║█
                     ║                                   ║█
                     ║                                   ║█
                     ╚═══════════════════════════════════╝█
                       ████████████████████████████████████







MONEY.DOC                  { MONEY & BANKS }  Documentation            Page 9



Move up and down menu items with your mouse or the arrow keys.   Make  a menu
selection with either the <Enter> key or <LeftMouse>.

The first item on the Main Menu, "Transactions," is where most of your active
banking business takes place;  it will be the only module requiring a  bit of
your time to learn.   All other sections, or "modules,"  of  {MONEY & BANKS }
are easy to use  and rather self-explanatory.    See the detailed information
on the Transactions module in the documentation.

The second selection on the Main Menu, "Check Printer," is also automatically
available within the Transactions module.   It is additionally presented here
for times that you wish to utilize the facility separately  from  making  new
transactions.  For example, perhaps you had created several checking transac-
tions in one or more accounts using the Transactions module and had chosen to
defer the printing of checks and/or labels to a  more  convenient  time;  you
may then elect to print the checks from the selection on  the  Main  Menu  as
long as you had answered "Yes" to the prompt  "Include in Batch Check  Print-
ing?"  when you were making out your transactions in the Transactions module.

There  is  more  information  in the  documentation  under the heading "Check
Printer,"   as well as in Appendix A which describes how to use regular  bank
checks with this program.

The third item on the Main Menu,  is the "Report Writer."   Much of the power
and  utility  of the program  { MONEY & BANKS }  will be realized  with  this
module, although its importance will not be great until you have made several
months' worth of transactions,  possibly using many different accounts.   See
the section on "The Report Writer" below for further information.

The next selection, "View Tables," is the fourth choice on the Main Menu.  It
is  a  versatile  way to immediately view data not only in your ".BNK" tables
but other data tables (*.DBF) as well.   You may also manually edit tables to
correct errors that may have crept in during transactions entry.  Most of the
important  tables are available for  view/edit  in the Transactions module as
well, via "hot-keys."   The View Tables heading in the documentation provides
detailed information.

The Utilities Menu is called from a selection on the  Main  Menu.   Here  you
will select from a choice of Printers,  or change directories,  perform back-
ups, find system information and current time,  create  a  new  bank  account
table, as well as other choices.    See the documentation information for the
Utilities Menu.

The program  { MONEY & BANKS }  may be exited by choosing  the  final item on
the Main Menu, or by simply pressing <Esc> or <RightMouse>.    Never turn off
the computer or reboot without properly exiting; data loss may well occur.



Transactions Module
────────────────────
After selecting "Transactions" on the  { MONEY & BANKS }  main menu,  you are
presented with a menu of choices for available accounts in the current direc-
tory.   Select the  account  desired with the mouse or arrow keys.   The next



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 10


screen is the main transaction module;  all checks, deposits, and other cred-
its/debits  are  entered here.    The transaction date default is the current
date;  change it if necessary  (for interest payments, etc.),  or  accept the
default.

The next item,  "Writing Check?," is very important; answer "N" or no to ANY-
THING OTHER THAN a check:   obviously a deposit would receive an  "N" answer,
but so do DEBITS OTHER THAN CHECKS.   Cash withdrawals, service charges,  ATM
withdrawals and related charges,  check charges,  interest credited to an ac-
count, are all transactions OTHER THAN  "Writing [a] Check," so always answer
"N"  if it involves something other than an actual check.   This action keeps
the  check-numbering  scheme  in effect to agree with your printed check num-
bers. (After checks have been entered and dated IN any new year, you will not
be allowed to back-date subsequent CHECKS to the previous year.)

Answer  "Y"  to  "Writing Check?" if you are entering a check transaction and
either printing out the check or not.   An  example  would  be if you wrote a
check out manually in a merchant's store; when you are again at the computer,
you will answer  "Y"  to  "Writing [a] Check?,"  but  "N"  later on down this
screen when asked  "Include in Batch Check Printing?"    One does not need to
print a check already written by other means and delivered to the payee. (The
check-printing  module  (should you choose to use it)  will only print checks
for which you answered "Y" when you were asked "Include in Batch Check Print-
ing?")

If you choose "Y" to "Writing Check," the next available check number will be
used and so indicated on the screen.   If you said "N," the check number will
be a zero (0) for ALL other sorts of transactions.

At any time, you may exit the Transactions module by pressing <F7>;  there is
a reminder for this at the bottom of the screen  after you move to  the PCode
cell (described next).    You may, if needed,  View/Edit  the current account
table in Table View mode by pressing <F8>; refer to that part of the documen-
tation under the heading "Table View of Account Tables."

Next the cursor will be in the  "PCode"  cell.   A  PCode identifies either a
Payee or a Payor that is listed in the  Payee/Payor table  (PNames.dbf).   At
this point,  you may use a "hot-key" to access your Payee/Payor table and add
or edit PCodes;  use the <F9> key to bring up this table.   Before attempting
to enter a transaction,  you must have in the Payee/Payor table a PCode entry
for the Payee/Payor referenced in your transaction.

Setting up the PCodes (and somewhat the AlloCodes) will  be  the  most  time-
consuming part of setting up  { MONEY & BANKS }  in  the initial stages,  but
we assure you that after a couple of months  the  automatic  usage  of  these
features will be so effortless and incredibly quick,  you shall  never  again
go back to your paper bankbook  and handwritten entries and erasors or White-
Out or crossed-out entries and math errors!

Also,  the  only  time  you may access the Reconcile module to reconcile your
bank statement is when the cursor is in the PCode cell;  press  <F6>  at this
point if you wish to reconcile your account  (see the information for "Recon-
cile your Bank Statement," below).

If the PCode has already been entered into the  Payee/Payor  table,  all  you



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 11


need do on the  Transactions  screen  is  either  type in the PCode,  or much
better yet, simply press the <Enter> key in the empty cell and a pop-up Pick-
List  appears  with  all  available PCodes and a reference to what they stand
for.   Just scroll down and select the one you need, press <Enter> and it ap-
pears in the PCode cell for the current transaction.   After you  confirm the
PCode choice with another  <Enter>  press,  the full name of the  Payee/Payor
appears under the PCode on the screen.   (If  you  have accessed the PickList
and find that a needed PCode does not exist and must be  created,   exit  the
PickList with  <Esc>,  then press <F9> to access the Payee/Payor table; press
<Alt-N> to add a new PCode.)

Next,  you  will  be  prompted for an amount for the transaction.   Enter the
amount, and after reviewing that is indeed the correct amount you want, press
<Enter> to continue.

You are now prompted for a budget allocation code, called an AlloCode. Again,
these  must  be  set  up  by  you  in  a  table  called the  Allocation table
(Allocate.dbf), which you may access at this point by pressing <F10>.  An al-
location  is where you indicate  that for which a  transaction is designated.
For example,  one of the sample entries  in the  Allocation table is  "AUTOP"
which indicates an  Expense item  (rather than an Income item)  with a budget
allocation named "Automobile - personal."  Usage of the AlloCodes in associa-
tion with the  PCodes  will be most important when preparing your reports and
end-of-year tax information, especially across several bank accounts over the
period of one or more years.

It will take some time (not very much) and some thought for you to set up the
AlloCodes for your own business and/or personal lifestyle,  but  once  it  is
done it is done for as long as you continue to use  { MONEY & BANKS }.  Main-
tenance,  changes,  and  additions  become  nothing more than minimal effort.
There is more information later on about using the Payee/Payor and Allocation
tables for entry of new code items and editing existing ones.

After you know that an AlloCode exists that you wish to use,  you may use the
default AlloCode corresponding to the one you set up in the Payee/Payor table
for the PCode you have entered for this transaction.    If you wish to change
the default  AlloCode for this transaction,  just delete the default with the
<Del> key and press <Enter> in the empty cell to bring up a PickList with all
the available AlloCodes.   Make your selection and confirm it with <Enter> to
move on.   (If you have accessed the PickList and find that a needed AlloCode
does not exist and must be created,  exit the PickList with <Esc>, then press
<F10> to access the Allocation table; press <Alt-N> to add a new AlloCode.)

If you are doing a check transaction, you will be prompted for whether or not
you  wish  to  include  the check for processing in the check-printing module
(which follows after you complete all desired transactions;  all  checks  are
printed in a "batch,"  hence the curious part of the prompt "Include in BATCH
Check Printing?"). If you will not be printing out the check on your printer,
select "N" or no.

If the transaction was a deposit or other credit, you will be prompted for an
optional memorandum.   This  is  for  your own convenience only as a reminder
memo; entry,  or lack of it,  will have no bearing on performance or reports.
You may leave this blank by simply pressing <Enter>.




MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 12


The  next  prompt  will ask if you wish to do another transaction in this ac-
count at this time.  Simply reply "Y" or "N," as needed.

Answer  "N"  when you have entered your final transaction for the session and
you will then leave the Transactions module.  You are next asked if you would
like to enter the Check Printing module; you answer "Y" here if you intend to
use the check-printing  facility of  { MONEY & BANKS }.    Check-printing  is
provided as an option for your use:  the program may be profitably used with-
out the check printing feature.  (For more information, see the item on Check
Printing as well as Appendix A in the documentation.)

You  may  also  defer  the printing of checks for this session to a more con-
venient time as the check transactions will remain marked  "to be printed" if
you answered "Y" to "Include in Batch Check Printing?"   You may subsequently
print  checks in your next session in the Transactions module or use the sep-
arate Check Printer selection on the Main Menu.

After you have elected whether or not to print checks for this session, there
is next a prompt asking if you would like to print mailing labels.  Answering
"Y" will enter the Mailing Labels module;  information on this module is pro-
vided under the appropriate heading in the documentation.

You may also print mailing labels  at any time  via a selection  on the  Main
Menu entitled Label Writer.

You are now returned to the Main Menu.




Table View of Account tables
─────────────────────────────
Pressing <F8> while in the Transactions module  brings up the current account
table in table view format.    The same may be accessed from the Main Menu by
selecting View Tables and then choosing .BNK Account Tables.

The account tables are presented in table view format.   You may also wish to
refer  to  those parts of the main documentation that describe Editing/Adding
To/Viewing the Payee/Payor, Allocation, and Archive tables.

When browsing tables in table view,  you may use the arrow keys  or the mouse
for scrolling, and the QuickJump keys are available:              <Ctrl-PgDn>
<Ctrl-PgUp>      <Ctrl-End>      <Ctrl-Home>        (Also,  <Ctrl-RightArrow>
and <Crtl-LeftArrow> may be used for panning to the right and left.).

Follow the on-line prompts for other needed keys.   Please be aware that when
you delete (with the <Del> key) a record (or "row" in spreadsheet terms),  it
is first "marked" for deletion (you will see a caption,  <Deleted> at the top
of the screen).   The actual deletion does not occur until you exit the table
view screen.   Also note that the  <Del> key is a "toggle;"  that is,  if you
press  <Del>  a second time on a record already marked for deletion  you will
"undelete" the record.    The undelete must be performed prior to exiting the
screen; as you exit,  any records marked for deletion are permanently removed
from the table.




MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 13


It is suggested that you edit, change, or adjust erroneous entries in account
tables rather than deleting entire records (rows).

Be aware that should you ever delete a record (row,  or complete entry)  from
an account table (.BNK),  or otherwise make changes in any  of  the  monetary
amount cells,  that there is NO automatic mathematical adjustment to the Bal-
ance column (as you might expect to occur in a spreadsheet program, for exam-
ple).  If you feel you really must delete an entire entry, make sure you edit
and change the Balance cell not only in that record  but  also  in  the  last
record of the account table.   (Suggestion:   use the on-line Calculator,  by
pressing <Alt-K>, for quick math chores.)     Please ascertain that the final
record's Balance cell has been ACCURATELY adjusted; { MONEY & BANKS }  relies
on a correct Balance amount in the very bottom (last)  record  to  accurately
continue its future updating of your banking records and amounts.

Pressing <Esc> or <RightMouse> saves any changes and returns you to where you
began.



Editing, Adding to the Payee/Payor Table...
────────────────────────────────────────────
While in the Transactions module,  pressing the <F9> key brings up the Payee/
Payor table in the current directory.   At this point,  you may view existing
entries in a format similar to that of a spreadsheet.  It is here you add en-
tries of your own, edit any existing ones (including the sample entries), and
delete any that you do not wish in the table.   The Payee/Payor table is also
available for viewing/editing from the Main Menu selection, "View Tables."

At the outset,  do  not  be  too hasty to delete the sample entries that have
been provided:   of course  they  will  bear little relation to your own data
requirements,  but exist for reference as to format and ideas.    Please read
the information in the documentation under the headings  "Split Transactions"
and "Dual PCodes" before making any permanent deletions.

The  on-line  editing  commands  are  shown  at  the bottom of the table view
screen.   Additionally,  the  QuickJumps  feature you may have used in  other
table views are available in this table's view as well  (even though they may
not always be indicated on the screen).  The QuickJump keys are:  <Ctrl-PgDn>
     <Ctrl-PgUp>     <Ctrl-End>     <Ctrl-Home>.     (Also, <Ctrl-RightArrow>
and <Crtl-LeftArrow> may be used for panning to the right and left.)

Although you may add and/or edit records  (entries) in the table view format,
two special hot-keys provide  "form view" editing and adding.   <Alt-N>  will
bring up a blank  "form"  containing entry cells for all the information in a
single new record, in easy-to-fill-out format.   Similarly,  the  <Alt-E> key
combination will bring up a form view to Edit the item,  or record,  that you
have positioned the cursor on.    Make your new entries or editing changes in
form view, then press <F10> to Save or <Esc> to reject the changes.

It  is  suggested  that you follow the capitalization style of the sample en-
tries.  Although not required for functioning of the program, the differences
in using All Caps or Mixed Case will show nicely later on in your reports and
on-screen queries.  It also helps you distinguish between a payee or payor in
the process of entering data in transactions.



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 14



Do not ever use an exact duplicate of a  PCode for more than one  Payee/Payor.
Vary the codes at least slightly.   ALWAYS set a default AlloCode as well.

The small cell called "PAYOR" is very important;  it is a "logical-type" cell
indicating whether the PName is a payee or a payor.  The only entries you may
place in this cell are  either  "T"  (true, or yes)  or  "F"  (false, or no).
Simply ask yourself this question for each payee/payor:    Is  this  party  a
payor?   If yes, you must enter  "T"  in the Payor cell; if the answer is no,
you enter  "F"  to indicate this is not a payor  (it  therefore  defaults  to
being a payee).  The default entry for the "Payor" cell is "F."

The AlloCode cell appearing in the Payee/Payor table must contain  a  default
allocation code.   This default AlloCode indicates the normal budget  alloca-
tion for this payee/payor.   It will appear on the Transactions  screens  and
may be changed temporarily for any transaction where the default is  inappro-
priate.    There must be an exactly matching AlloCode entry in the Allocation
table as well  (refer to  "Editing,  Adding to the Allocation Table"  in  the
documentation).

By filling out the address cells for each Payee, you will provide information
for the  Label Writer utility to properly print mailing labels,  as  well  as
providing permanent records of information.  Entry here is not mandatory.

The "memo" field in each Payee/Payor record is for you to put in a merchant's
account number,  or your phone or SSN, or other identifying line that will be
printed at the  top right portion of printed checks  (if  you wish to use the
optional checkprinting facility of this program).  Entry here is optional.

Pressing  <Esc> or <RightMouse> saves any changes and returns you to what you
were doing before accessing table view.



Editing, Adding to the Allocation Table...
───────────────────────────────────────────
Editing  or  adding new records  to the  Allocation table  (Allocate.dbf)  is
identical to the process used in making changes to the Payee/Payor table. You
may access the  Allocation table from the Transactions module by pressing the
<F10>  key.   The  Allocation table is also available for viewing and editing
from the Main Menu selection, "View Tables."

You must be sure that you have a matching  AlloCode  entry in the  Allocation
table corresponding to the default  AlloCodes  you assign in the  Payee/Payor
table.  For example, if you have a PCode called  "SHELL"  (for your Shell Oil
Co.  credit card)  and you have indicated in the  Payee/Payor  table that the
default  AlloCode for  "SHELL"  is  "AUTOP" (Auto - personal),  you must then
ascertain there is truly a corresponding entry called  "AUTOP" in the Alloca-
tion table in the column titled 'AlloCode'  that is identical in spelling and
case.

Do not ever use an exact duplicate of an  AlloCode  for more than one alloca-
tion in the allocation table.  Vary the codes at least slightly.

In the beginning stages of working with this program,  observe the sample en-



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 15


tries and add to them in similar style,  deleting the sample entries later on
that will not be used in your own system.   Please read the section on "Split
Transactions"  in the documentation before deleting any entries in either the
Allocation table or the Payee/Payor table.

When adding new entries to your Allocation table,  note  there  are two cells
called "ATYPE" and "TAXCAT," respectively.   In the AType cell,  simply indi-
cate either "E" for an Expense item (all Debits, whether or not they are con-
sidered tax-deductible) or "I" to indicate an Income item (all Credits).  The
TaxCat  cell  may be used to identify which part of your income tax form that
might show a tax-related event (ie, you might wish to indicate Schedule C for
business-related items).   Many personal AlloCodes will simply have the entry
"None" in the TaxCat cell.  The ATYPE entry is mandatory; TAXCAT is optional.

Mention must also be made about special transactions that are  simply  called
"transfers."    When moving money from a checking account to a savings or in-
vestment account,  or vice-versa,  these become  special transactions that do
not fall under either category of expense or income,  yet they occur and must
be accounted for.   You will note some sample  AlloCodes  we have provided in
the Allocation table that begin with the letters "TRANS-" -- such as TRANSIN,
TRANSSA, and TRANSCA.   We have included them all as either  'E' (expense) or
'I' (income) items (in their AType cells),  primarily for differentiation and
certainly  not  for  tax or traditional budget allocation purposes;  this has
been done to keep the program as simple as  possible  to  operate;  you might
prefer to think of them as simply 'credits' or 'debits,'  'in to' or 'out of'
an account.

TRANSIN would be an AlloCode for a  'transfer in to'  an account;  an example
might simply be money  you are transfering  from a savings account  INTO  the
account table you are currently working with.  It is an 'I' item in the Allo-
cation table's AType cell but not a taxable income item (as you will have al-
ready accounted for it at the time of deposit into that other account).

We have used  TRANSSA  to indicate a transfer  TO a savings or investment ac-
count, an 'E' item certainly, but not necessarily a taxable event or a normal
budget allocation.  The sample AlloCode called  TRANSCA,  an  'E' item in its
AType cell,  is  used  in accounts such as money market funds or money market
bank accounts for which you have set up a  .BNK  account  table in  { MONEY &
BANKS }.  It  simply  indicates a transfer from such an account to a checking
account.  Its use is primarily for differentiation.   You may  devise and add
other "TRANS-" category AlloCodes as you may like for your own system.

Use of these special transfer-type  AlloCodes will allow you to make the dis-
tinction in your interrim and end-year reports.

Please note that if  you  have a business directory  separate from a personal
banking directory,  you will likely have differing expense and income alloca-
tions.   For example,  automotive  expense  for  a business is usually a tax-
related deduction item,  whereas a similar item in a personal account is not.
Therefore,  you should plan to set up different  Payee/Payor  and  Allocation
tables for business and personal use.  Simply having different data director-
ies  will nicely accomplish this  while using the same executable program and
master files  (see the  Quick Start section in the documentation for more in-
formation).




MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 16


The  on-line  editing  commands  are shown at the  bottom  of  the table view
screen.   Additionally,  the QuickJumps  feature  you  may have used in other
table views are available in this table's view as well  (even though they may
not always be indicated on the screen).  The QuickJump keys are:  <Ctrl-PgDn>
      <Ctrl-PgUp>      <Ctrl-End>      <Ctrl-Home>,  as well as  <Ctrl-Right-
Arrow>      <Ctrl-LeftArrow>.

Although you may add  and/or edit records (entries) in the table view format,
two special hot-keys provide  "form view"  editing and adding.   <Alt-N> will
bring up a blank  "form"  containing entry cells for all the information in a
single new record, in easy-to-fill-out format on one screen.   Similarly, the
<Alt-E>  key combination will bring up a form view to Edit the item,  or rec-
ord, that you have positioned the cursor on.   Make your new entries or edit-
ing changes in form view,  then press  <F10>  to Save or  <Esc> to reject the
changes.

It  is  suggested  that you follow the capitalization style of the sample en-
tries.  Although not required for functioning of the program, the differences
in using  All Caps  or  Mixed Case  will show nicely later on in your printed
reports and on-screen queries.

Pressing  <Esc> or <RightMouse> saves any changes and returns you to what you
were doing before accessing table view.









Split Transactions
───────────────────
┌──────────────────────────┐
│ PLEASE TAKE SPECIAL NOTE │
└──────────────────────────┘
Do not change/delete the PCode entry in the PAYEE/PAYOR table called  "DEPS,"
and in the ALLOCATIONS table two AlloCode items called  "SPLIT" and "SPLITD."
They are needed when one transaction covers credits  or debits over different
allocations.

For example,  one check written to  pay  your  American Express statement may
cover  several  different  actual  charge transactions with different alloca-
tions.  Your default AlloCode for American Express should be set up by you as
"SPLIT," or changed to reflect that during transaction entry.

Or,  when making a deposit,  you  might  have  several  checks from different
sources.   Instead of listing separate PCodes for each source, simply use the
one  PCode called  "DEPS"  to show you have multiple entries in your bank de-
posit.  The PCode "DEPS" will default to an AlloCode called "SPLITD."

Such transactions will automatically present a  pop-up  edit  screen  for the
Archive table  (ARCHIVE.DBF)  so that you may  manually  edit  the  "splits."
Pressing  <Ins>  will give you a duplicate record of the transaction  so that



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 17


you may divide the one  "split"  transaction into as many individual  alloca-
tions  as you may require,  all referencing the same check number or deposit.
Edit the CREDIT/DEBIT cells as needed,  as well as the ALLOCODE and PCODE ad-
justments.   Do not leave any AlloCode cells blank.

Please note that this special area of the program has "locks"  on  the  cells
that appear in table view.   The locks are  there  to  prevent  unintentional
changes or deletions to the Archive table.  To edit or close-edit a cell, you
must each time press the <Enter>  key  in  the  cell  before  attempting  any
changes,  even when the cell might be empty.   For example,  to enter a valid
AlloCode in its proper cell, place the highlight on that cell,  press <Enter>
to open it for editing, and press <F10>  to  call  up  a  PickList  for  your
allocation codes and make a selection with the  <Enter>  key.   To  change  a
monetary amount,  press <Enter> to open the cell,  make the adjustment in the
amount,  and press <Enter> again to close the cell.   Do not edit  any  cells
that are not indicated at the bottom of the screen.

The American Express check transaction  mentioned  above  should  retain  the
PCode for that Payee  (usually, you might call it "AMEX") in the split trans-
actions.   The  AlloCodes are changed to reflect the proper allocations,  and
the DEBIT cells are manually edited to match the allocations.

The split deposit entry should have its  PCode  entries edited to reflect the
source (Payors) of each item;  a pop-up PickList is available for your use in
selecting previously set PCodes.  Edit the CREDIT and AlloCode cells as well.
You will note the AlloCode cell changes to the default item for the PCode you
just selected; you may retain the default or select another from an available
pop-up PickList.  Do not ever leave any AlloCode cell blank!

The  split-transactions  operation  will  become obvious and simple after you
have tried it a few times,  rather than just reading about it.   (Easier done
than said.)

As mentioned above,  pop-up PickLists are available for AlloCodes  and PCodes
in the split-transactions editing table;  follow the on-line instructions  at
the bottom of the screens for the "hot-keys," etc.

Pressing  <Esc> after your final adjustment saves the changes and returns you
to the  Transactions module so that you may continue.

If your monetary adjustments are out of agreement,  you  will  be so informed
and presented with an opportunity to make further adjustments.    Again,  ob-
serve carefully the on-line instructions.




Dual PCodes?
─────────────
Some entries in your PAYEE/PAYOR table will appear to be the same;  for exam-
ple, two of the sample entries PCodes "FNB" and "FNBI" are both for a similar
PName  "First National Bank."   However,  the difference  is  in  the logical
("yes" or "no" / "true" or "false") cell called "PAYOR;" this PAYEE/PAYOR may
have two different types of transactions  with  different  AlloCodes:   "INT"
means a payment of Interest TO your account,  which  is an Income transaction



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 18


("I"  in the PType cell).   This is designated in the example  by  the  PCode
"FNBI."   The logical cell PAYOR is set to "T" (true), meaning yes it is true
that this is indeed a payor (rather than a payee).

First National Bank may also be a PAYEE, entered in the example in all upper-
case letters  (for your differentiation only;  it  has no bearing on  perfor-
mance).  For example, if there are service charges or check-printing charges,
you would need to enter  "FNB" which is a PAYEE,  and the type of transaction
is "E" -- an expense, rather than income.   The  logical  cell  PAYOR  in the
PNAMES table is set to  "F"  (false),  that is,  NOT a payor  (and therefore,
defaults to being a payee).   The default AlloCode for  "FNB" you will see is
"BNKCHG," for the allocation Bank Charges.

It appears desirable to enter all  Payees  in uppercase letters  in the PNAME
cell,  and mixed case for Payors.   The visual distinction becomes especially
important in reports.   The important entry for the program is that the logi-
cal cell PAYOR (the "yes" or "no" -- "true" or "false" idea) be correctly en-
tered by you when you set up a new PCode entry.   If this entry is incorrect,
some data in your tables will be unusable.

The concept of PCodes and AlloCodes may be  confusing  initially;  after  you
get used to using them with your own data,  their  logical  use will be auto-
matic with a great saving in future time for your financial recordkeeping.






Viewing/Editing the Archive Table...
─────────────────────────────────────
The cumulative reporting data from all your bank account tables in one direc-
tory is found in the Archive table (Archive.dbf).    You may access this data
in table view from the Transactions module simply by pressing the key combin-
ation  <Alt-A>.  The Archive table is also available for viewing and  editing
from  the  Main Menu selection,  "View Tables,"  then  selecting  "Other Data
Tables (*.dbf)."

Be especially careful before deciding to delete  a record or item in an Arch-
ive table.   This table is meant to be a permanent history of all your trans-
actions in all your accounts in the current directory.   If you delete an en-
tire item from a history table such as your current or annual archive tables,
it is of course irretrievably lost; simply make sure that is what you intend.

You may edit individual cells to correct erroneous entries you may have made,
or any needed adjustments.   Such is the main purpose of being able to easily
access your Archive table(s).   Simply  observe  logical  caution  as  future
reports  and queries are based upon  Archive tables,  and  reporting/querying
accuracy depends entirely upon correct data entry and integrity.    Make sure
that all AlloCode cells have an entry; there must be no empty AlloCode cells.

Follow  the  on-line  information  at the bottom of the view table screen for
editing the Archive table.   The usual  QuickJump  keys are:      <Ctrl-PgDn>
<Ctrl-PgUp>       <Ctrl-End>       <Ctrl-Home>.     (Also,  <Ctrl-RightArrow>
and <Crtl-LeftArrow> may be used for panning to the right and left.)



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 19



Pressing  <Esc> or <RightMouse> saves any changes and returns you to what you
were doing before accessing table view.

Please note that once a year,  usually in  January or February after all end-
ing-year transactions have cleared,  reconciliations of statements have  been
made,  and all reports printed,  the Archive table needs to be purged of  the
ending-year's data for maximum efficiency of the system.   The purged data is
removed to another,  permanent archival table bearing an identifying mark  of
the ending-year;  the permanent archival table is then to be removed  by  you
from the current directory to diskettes or other storage media for  lock-away
safekeeping and future reference.

There is a complete, very efficient utility for purging and permanent archiv-
al found on the Utilities Menu (in the registered copy version).   Simply ac-
cess that utility selection when you are ready to use it.    You  may  access
those moved archival tables later on by  first  using  the  Change  Directory
utility on the Utilities Menu to access  the  drive  and  directory where you
have stored the archival copies;  then select the  View  Tables  item  on the
Main Menu for viewing or for quick printouts,  choose on  the  Report  Writer
Menu the item for producing Plain, Generic listings  (to the screen or to the
printer).







Reconcile your Bank Statement...
─────────────────────────────────
Please note that the ONLY time you may reconcile your bank statement is while
you are in the Transactions module,  and  the  cursor  is  in  the PCode cell
awaiting entry.   You will see a reference to a hot-key,  <F6>, at the bottom
of the screen,  ONLY when you are in the PCode cell  (it disappears after you
leave the PCode cell).   Pressing  <F6>  will bring up the special  Reconcile
module, which is easy to use and prompts you along the way.

Before accessing the Reconcile module to reconcile your bank statement,  make
sure  you  have  entered  all bank-generated items on the statement,  such as
interest credited to your account,  or service/check charges deducted, as NEW
transactions  in  your account following the method described for deposit and
check transactions.   Accurately  enter  the dates the bank has indicated the
transactions for interest and debits occurred;  do not use the default trans-
action date that automatically appears.   Simply overtype the particular date
numbers you wish to change.   Obviously, answer "N" when you are asked "Writ-
ing [a] Check?"

After entering the "new" transactions  (interest, etc.)  from the bank state-
ment,  begin yet another "transaction," which may be exited after reconcilia-
tion.   Accept  the  default transaction date,  answer  "N"  to  "Writing [a]
Check?"  with the intent of simply moving to the PCode cell.   When you reach
the PCode cell, you may then press <F6> and do your reconciliation.

In the Reconcile module,  have your bank statement available  and  follow the



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 20


on-line prompts,  entering information as requested.   If for some reason you
choose not to continue, pressing <Esc> on the initial screen of the Reconcile
module exits back to the Transactions module.

Simply enter the bank's idea of your current balance, the statement date, and
then,  when prompted,  answer  "Y"  or  "N"  to  whether  or  not  items have
"cleared" (that is, appear on the statement).  It is that easy.

If your reconciliation is out of balance, you will be so informed and return-
ed to the Transactions module.   You may then use the Table View  <F8> to see
where discrepancies might occur.   After you have determined the cause of the
discrepancy  and  made any necessary adjustments,  return to the Transactions
module and, when in the empty PCode cell, try again to reconcile your account
with the <F6> Reconcile module.

When your account is successfully reconciled and  you  are  returned  to  the
Transactions module, you may press  <F7>  to exit the Transactions module, if
you wish.   Your  account  will  be marked with the cleared items and you may
file your bank statement away.

The  ease  of use of the  { MONEY & BANKS }  Reconcile module should alone be
worth the purchase price of this software:   never  again  will  you struggle
with a calculator  or  scratch paper  and  flipping your bank statement  from
front to back,  trying to follow some idiotic accounting instructions for re-
conciling your account.   Multiply this feature by the number of accounts you
are going to use with this software,  and you will have multiple worth of the
purchase price for easing a truly bothersome burden of adult life:  reconcil-
ing bank statements.   If you like this feature, please tell your friends and
associates  to consider purchasing a copy of  { MONEY & BANKS }.   (Thanks to
those who wrote us and (humorously?) said that reconciling statements is  now
"fun;" one person even suggested he now considers it "sport.")


Adding a New Account
─────────────────────
(A menu selection item on the Utilities Menu.)

A bank data table covers one account at an institution;  you may have as many
accounts as you wish at one or more institutions but each account must have a
(slightly) different name.   For example,  if you have both a checking  and a
money market account at,  say, First National Bank, you might call the check-
ing account simply  "FNB"  (the program attaches .BNK as a suffix  to all ac-
count names).   You  might  then call the money market account something like
"FNBMM"  or anything you like up to six characters (letters or numerals,  but
always beginning with a letter).  Remember to create any business accounts in
the directory  which will hold such business information separately from that
of personal banking.

The reason that you may only use up to six characters in the account descrip-
tion is that { MONEY & BANKS } will append a two-digit "year" when it is time
to permanently  archive and purge a previous year's data  (a selection on the
Utilities Menu).  For example, in January or February of each new year, after
all transactions  have been cleared and accounts reconciled,  you  will  most
likely  want to move the ending year's data from the current tables and perm-
anently archive them on diskettes for safekeeping.



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 21



At that time,  { MONEY & BANKS }  will append to the example  "FNBMM.BNK" ac-
count an ending year identifier,  such as  "92"  (if the ending year is 1992,
for example), so that only 1992 transactions will be archived  into  a  table
called "FNBMM92.BNK" that you may move to diskette or other storage media and
always have available for reference and safekeeping.

It is suggested that  you  begin  each  "new"  account at the very end of the
previous year.   For example,  if you are beginning to use  { MONEY & BANKS }
sometime in the year 1993,  you may wish to begin your accounts on  12/31/92,
the last day of the then "previous" year.  In this way your reports and other
data information are accurately portrayed for the entire new calendar year.

Even though this action may intially require somewhat extra data input by you
at the outset,  the result will be accurate and complete reporting, a primary
objective  for  using a banking management system such as  { MONEY & BANKS }.
As well,  your overall record-keeping and maintenance  shall be efficient and
up-to-date.  Do not forget that in subsequent years you may need to call upon
records  and  reports for information detail you have long since forgotten or
for which you no longer have paper records;  accurate  data  input  and  time
spent in the initial setup phase of your accounts will provide the basis  for
such recordkeeping.

You will be prompted for the last check number used on  or  just prior to the
beginning date.   { MONEY & BANKS }  will use this last check number for con-
secutive check transactions after the beginning date.   For new accounts just
opened at a bank,  make the check number one before your first printed check;
ie, if the first printed check is '101' enter '100' at this prompt.

The next prompt is for an ACCURATE balance in the account as of the beginning
date.  Please ascertain that this figure is indeed correct to the penny.

You shall then select the  size  of checks you are using  for  this  account;
either  <P>ersonal or  <B>usiness size checks are the only selections availa-
ble,  based upon current standardized bank-printed checks.   This information
will be  used if  you  should  choose  to utilize the optional check-printing
facilities of  { MONEY & BANKS }.

After the account is created and you have exited from the Utilities Menu, you
will be returned to the Main Menu where you  may  select  "Transactions"  and
find your new account ready for use.    You can create and maintain  as  many
.BNK bank account tables as you may need.

Footnote:   Unlike  some  other  commercial  financial  software,   { MONEY &
BANKS }  places no practical limit on the number of  tables  or  quantity  of
data entries in each account.    The actual limit and usability is based upon
your hard disk space and available expanded memory (if any);  the theoretical
limit is a billion transactions per account.   Execution speed, however, will
be affected as account tables  grow  into  very large  (10,000+ transactions)
size.   An annual archiving and purging of ending-year data *must* be done to
maintain  maximum  efficiency  in  the  running  of the program and preparing
reports/queries.     Reports are limited to 4096 different PCodes and/or 4096
different AlloCodes, which of course are unlikely reachable limits.





MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 22


The Check Printer
──────────────────
If you have made previous transactions for which you have deferred the print-
ing of checks,  you may access the Check Printer from a selection on the Main
Menu.   You are presented with a scrolling list of available accounts; choose
the account for which you would like to now print any unprinted checks.

(The Check Printing option comes up automatically  in the Transactions module
after you have entered your final transaction in an account.   Selecting  "Y"
or Yes to the check printing prompt will access the Check Printer module.)

You are presented with a listing of checks marked for  batch  printing,  that
is,  to be printed all in sequence at one time.   Review the listing and pre-
pare your blank checks in proper numerical order for insertion into the prin-
ter when prompted  (see  Appendix A  in  the documentation for detailed check
printing operation).

Press  <Esc>  when you are ready to continue; you will have an exit option on
the next screen should you decide not to print checks at this time.

You will than be asked if the printer is ready  and  the first check has been
inserted and properly aligned.   (There is also a message on the screen indi-
cating the currently selected printer; if this does not match your printer or
one of its emulations,  exit this module and select the proper printer in the
Utilities Menu.)   If you are ready to print,  answer "Y" and the first check
will immediately print.   After the first check has printed and been ejected,
there is a pause for you to prepare the next blank check in sequence  and in-
sert it into the printer (refer to  Appendix A  in the documentation).   When
the next check is indeed ready,  press the  <Space> bar and the check will be
immediately printed.   The  process  is  repeated until the last check in the
batch has been printed.

You are next prompted whether or not you wish to print mailing labels.   Ans-
wer "Y" or "N" as desired.  Information on label printing is contained in the
section "The Label Writer," in the documentation.

Reprinting a check...
─────────────────────
Should a check ever be improperly printed,   possibly  because  of  misalign-
ment or jamming in the printer,  it  is  possible  (and easy)  to reprint the
check.   You will need to edit the bank account table;  from  the  Main Menu,
select View Tables,  then Bank Account (*.BNK) Tables, and then the appropri-
ate account.   Locate the record,  or row, containing the check number of the
improperly printed check,  making  sure  the  highlight  indicator is on that
row.    With  the  <RightArrow>  key,  move the highlight to the cell in  the
column entitled "PR" -- a logical-type cell that indicates "T" (true, or yes,
the check is to be printed)  or  "F"  (false, or no, the check is not  to  be
printed).   The "PR" cell will indicate  "F."   Press the <Enter> key in this
cell to activate the Edit mode,  and change the  "F" to "T."   Mark any other
check transaction records that need to be reprinted in the  same  way.   When
finished,  press  <Esc>  to  save any changes and exit the table view screen.

You may now reprint the check(s) by selecting the Check Printer module on the
Main Menu.   The checks that were marked  "T" in their "PR" cells will appear
as checks to be printed; you may wish to use replacement checks from the very



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 23


end of your inventory of imprinted checks,  crossing  out  the  printed check
numbers  and  writing  in  the  corresponding check numbers for the reprinted
transactions.   This action will allow your current sequence of check numbers
to remain in agreement with those in the account table.

We  must  add  that  you might be tempted to change the Check Number ("CKNO")
cell  itself,  thinking  that  you  will just use the next imprinted check in
your checkbook and,  in effect,  void out the improperly printed transaction.
We somewhat advise against such a procedure for  two  reasons:   first,  this
introduces  sloppy and improper recordkeeping into your system.   Future  re-
ports and queries will make no mention of the voided check number,  and there
is no permanent record of what happened to the "missing" check;  although  it
will  be  easy  to  remember what you did for the time being,  the passage of
months or even years may surely bring up questions about curious or seemingly
missing transactions or check numbers.

Second,  any such change of a check number will also have to be done manually
in the Archive table   (which also relies on a correct sequence of check num-
bers for all your accounts),   a  *required*  action all too easy to overlook
at times, no matter how attentive you are to detail.

For your information, please note also that the check-numbering scheme in the
Transactions module relies on a correct  "last"  check number (other than one
with a zero "0")  at  the  end  (bottom)  of  an account table.  The next new
checking transaction will be that check number, plus one.


The Report Writer
──────────────────
Upon selecting the Main Menu item  entitled Report Writer,  you are presented
with a menu screen similar to the following:

 ╔══════════════════════════════════════════════════════════════════════════╗
 ║ ■ │              { MONEY & BANKS }   REPORT WRITER               │  │  ║
 ║───┘──────────────────────────────────────────────────────────────└───┴───║
 ║                                                                          ║
 ║     ┌───────────────────────────────────────────────────────────────┐    ║
 ║     │                                                               │    ║
 ║     │                                                               │    ║
 ║     │       Archives, by Year, sorted by Institution & Date         │    ║
 ║     │       Archives, by Year, sorted by Allocations                │    ║
 ║     │       Archives, by Year, sorted by Payee/Payor                │    ║
 ║     │       Summary, by Account, by Year, in date order             │    ║
 ║     │       Listing of Uncleared Transactions in an Account         │    ║
 ║     │       Listing of currently assigned PCodes                    │    ║
 ║     │       Listing of currently assigned AlloCodes                 │    ║
 ║     │       Listing of active CD's / BONDS / PORTFOLIO              │    ║
 ║     │       Listing of the Credit Cards Minder                      │    ║
 ║     │       Plain, generic listings for any other Data Tables       │    ║
 ║     │       Return to Main Menu                                     │    ║
 ║     │                                                               │    ║
 ║     │                                                               │    ║
 ║     └───────────────────────────────────────────────────────────────┘    ║
 ║                                                                          ║
 ╚══════════════════════════════════════════════════════════════════════════╝



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 24




All reports and listings are first shown on the screen in wide-access format;
that is,  reports wider than 80 characters may be scrolled out  to  the right
for you to view all contained information.   Simply  use  the  arrow  keys or
mouse.   After viewing your data on the screen, you will be presented with an
option to print the report;  wide reports  are printed  in compressed mode on
the default printer on printer port LPT1.

All reports shown on the screen  will  have a resulting text file left in the
current directory;  these text files,  in standard ASCII format, have the ex-
tension  .RPT  as report identifiers.   The prefix part of the file name will
refer briefly to the report selection you had made; these files are overwrit-
ten each time you specify a new version of the report.  The main use of these
.RPT files is for users who have desktop publishing programs and/or Microsoft
Windows(tm) who would like to print out their reports from  { MONEY & BANKS }
with the unique font and formatting capabilities contained in those programs.
Simply read or import the .RPT files as standard ASCII text files.  For exam-
ple, in Microsoft Windows(tm) Notepad, you may simply open the file by speci-
fying the file name  (ie, "AC.RPT")  and view/prepare your report as desired.
In  Ventura Publisher(tm),  Windows(tm) Write,  or  Microsoft  Word  for Win-
dows(tm),  you  would  import  the  file as standard ASCII text and make your
printed presentations from within those programs.    Refer to those programs'
documentation for information on formatting columnar text or tables.

If you have no use whatsover for the resulting  .RPT  files left in your cur-
rent directory,  you may safely delete them or leave them there,  as desired.
They will recur each time you use the Report Writer module, and existing .RPT
files will be overwritten by any new updates.  You may also retain .RPT files
by  renaming  the prefix part of the file name and storing them in the direc-
tory or on diskette.

The first selection on the  Report Writer Menu  presents  a  formatted report
based on your Archive table  for the year-to-date,  sorted  by  the different
accounts in the current directory  as  well  as the date.   This  combination
report and query  may be run often  even though there may be no need to print
out such a report:   viewing your data on-screen in this format will yield an
important  grand-view concept of your banking management system.   Its impor-
tance  will  become  evident  after you have entered several months' worth of
transaction  data,  especially  if  you use more than one bank account table.
After viewing on-screen,  you may press <Esc> to continue;  you are presented
with an option to send the report to the printer.   Answer  yes or  no as you
may desire.

A progress gauge will monitor the on-screen report preparation.

The second selection is very similar to the first report, except for the sort
order and summary information you will find therein.   It presents your Arch-
ive table data sorted by budget allocation categories spanning all your vari-
ous accounts.   Again, the importance of this information will become greatly
enhanced after several months' worth of data entry.   You will now be able to
visualize what all that time-consuming effort  was about setting up all those
curious AlloCodes and PCodes.

A progress gauge monitors the on-screen report preparation.



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 25



The third report is again similar,  presenting  the  Archive  table sorted by
Payee/Payor.  In this order, the report is grouped and totaled by Payee/Payor
from all the accounts as combined in the Archive table.  With a large Archive
table,  this  report  will probably take more time to prepare and show on the
screen than the other reports, due to its complexity.   This is a most useful
report,  particularly at year-end,  showing how much you have paid to, or re-
ceived from, each Payee/Payor, respectively.  A progress gauge is provided.

The fourth item presented in the Report Writer,  is  an  opportunity  to view
and/or  print formatted reports of your individual account tables.   When you
had the opportunity to peruse account tables in table view mode,  you saw en-
tries in raw data format:  PCodes referring to Payee/Payors you could not re-
member, the same with all those AlloCodes.   Here, in a formatted report, you
will see the correlation to the actual names of your payees and payors, along
with your allocations in plain English.   The  reports/queries  here are pre-
sented in order of transaction date  and you may choose  the separate account
tables to view.   As with all the selections in the  Report Writer,  you  are
given a choice to print the formatted reports on your printer.   This listing
is a fast, efficient report to produce.

Fifth, a report listing outstanding, or uncleared, transactions in any of the
account tables provides the means for you to observe which items have not yet
been marked as  "CL"  (a logical-type cell for "cleared").   Transactions are
automatically marked "cleared" as you check them off from your bank statement
in the Reconcile module.   This quick and efficient report may be viewed and/
or printed frequently.

The sixth and seventh items are primarily for your deskside reference:   they
are simple listings in alphabetical order of your current  Payee/Payor  table
codes and Allocation table codes, respectively.

The eighth option  on  the menu covers a data table  that is included on  the
Utilities Menu,  "CD's / BONDS / PORTFOLIO,"  an extra storage table for opt-
ional entry of your various certificates of deposit,  savings accounts/plans,
bonds and/or other securities.   The report includes only items in that table
that you have marked as "Active;"  that is,  are currently maintained in your
portfolio  (inactive items  are kept in the table for long term recordkeeping
purposes).

The ninth selection, "Listing of the Credit Cards Minder," is a simple report
showing the current items in the Credit Card Minder  (on the Utilities Menu).
The listing is presented in alphabetical order by card name.

The final report item for Plain,  Generic listings is not truly what might be
called a report.   It presents raw table data from any account table, current
or archival,  or  any  other  data table for which you might need a printout.
Please realize these are basic, unformatted listings without screen scrolling
but are invaluable  when you need to retrieve stored data  not available with
the other menu choices.    The selection of the tables is similar to the View
Tables selection on the Main Menu.   If  you  are  retrieving data from other
drives or directories,  use the "Change Directory" selection on the Utilities
Menu prior to running your report request.





MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 26


The final option on the Report Writer menu  returns you to the Main Menu,  or
you may simply press  <Esc> or  <RightMouse> when you wish to exit the Report
Writer.




View Tables
────────────
The Main Menu has a selection called View Tables; when you choose it, you are
presented with a small options screen similar to the following:






                         ┌SELECT TYPE OF TABLE TO VIEW:┐
                         │Bank Account (*.BNK) Tables  │
                         │Other Data (*.DBF) Tables    │
                         │Quit:  return to Main Menu   │
                         └─────────────────────────────┘





There are two types of data tables in  { MONEY & BANKS }:    the account tab-
les, which have a filename extension of .BNK and all other data tables, which
all have an extension of .DBF.   Both  types  of  tables may be viewed and/or
edited with this module.

The tables are presented in table-view format,  similar  to that found in the
Transactions module.   The operation and function  is nearly identical.   You
may wish to refer to those parts of the documentation that describes Editing/
Adding To/Viewing the Payee/Payor, Allocation, and Archive tables.

When browsing tables in table view,  you  may use the arrow keys or the mouse
for scrolling, and the QuickJump keys are available:     <Ctrl-PgDn>   <Ctrl-
PgUp>       <Ctrl-End>       <Ctrl-Home>.     (Also,   <Ctrl-RightArrow>  and
<Crtl-LeftArrow>  may be used for panning to the right and left.)

Follow the on-line prompts for other needed keys.   Please be aware that when
you delete (with the <Del> key) a record (or "row" in spreadsheet terms),  it
is first "marked" for deletion (you will see a caption,  <Deleted> at the top
of the screen).   The actual deletion does not occur until you exit the table
view screen.   Also note that the  <Del> key is a "toggle;"  that is,  if you
press  <Del>  a second time on a record already marked for deletion  you will
"undelete" the record.   The  undelete must be performed prior to exiting the
screen; as you exit,  any records marked for deletion are permanently removed
from the table.  Exercise extra caution when performing record deletes on any
archival tables,  which are in essence history tables and a deleted record is
irretrievably lost.

Although you may add and/or edit records (entries) in the  table-view format,



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 27


two special hot-keys provide  "form view"  editing and adding for .DBF tables
(hot-keys not available when viewing .BNK tables).   <Alt-N>  will bring up a
blank  "form"  containing entry cells for all the information in a single new
record, in easy-to-fill-out format.   Similarly,  the <Alt-E> key combination
will bring up a form view to Edit the item,  or record,  that you have posit-
ioned the cursor on.   Make your new entries or editing changes in form view,
then press <F10> to save, or <Esc> to reject, the changes.

Pressing  <Esc>  or  <RightMouse> in table view saves any changes and returns
you level by level to where you began.



The Utilities Menu
───────────────────
Upon selecting the Main Menu item for the Utilities Menu,  you are  presented
with a menu screen similar to the following:


  ╔══════════════════════════════════════════════════════════════════════════╗
  ║ ■ │              { MONEY & BANKS }   UTILITIES MENU              │  │  ║
  ║───┘──────────────────────────────────────────────────────────────└───┴───║
  ║                                                                          ║
  ║     ┌───────────────────────────────────────────────────────────────┐    ║
  ║     │                                                               │    ║
  ║     │                                                               │    ║
  ║     │             CD's / BONDS / PORTFOLIO  Records                 │    ║
  ║     │             Credit Cards Minder                               │    ║
  ║     │             Backup Data Tables to Diskette                    │    ║
  ║     │             Change to a Different Directory                   │    ║
  ║     │             Add a New Bank Account                            │    ║
  ║     │             Label Writer                                      │    ║
  ║     │             Select a Different Printer                        │    ║
  ║     │             Archive & Purge Ending-Year Data                  │    ║
  ║     │             About                                             │    ║
  ║     │             Return to Main Menu                               │    ║
  ║     │                                                               │    ║
  ║     │                                                               │    ║
  ║     │                                                               │    ║
  ║     └───────────────────────────────────────────────────────────────┘    ║
  ║                                                                          ║
  ╚══════════════════════════════════════════════════════════════════════════╝







The first Utility option,  "CD's / BONDS / PORTFOLIO  Records,"   is a simple
recordkeeping table which is outside the functional boundry of the main  pro-
gram,  and is there for your optional use and convenience.    Therein you may
list and keep records of active and formerly active certificates of  deposit,
savings accounts, bonds and/or portfolio items, or other items of value.




MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 28


After  you  have  had  some  practice  dealing  with the other data tables in
{ MONEY & BANKS },  you will find entry and maintenance  of  this table quite
familiar and simple.    View the sample entries to start,  add your own,  and
delete the samples later on.   You might make note of  the  "Active"  cell in
this table;  it is a  "logical" type entry expecting either "T" (true) or "F"
(false)  to indicate yes or no this item is active or it is not.   Only items
marked "T" (true they are active) are included in the reporting option on the
Report Writer Menu.   The  entries  in  this table are not sorted in order of
date or name;  they  are  simply  maintained in the order you choose to enter
them.


The second item,  "Credit Cards Minder,"  is another optional data table very
similar to the  "CD's / BONDS / PORTFOLIO  Records"  table.   Therein you may
keep records  about  the credit cards belonging to a family or business,  in-
cluding the card names,  account numbers,  phone numbers  to  report  lost or
stolen cards,  cardholder name(s) appearing on the cards, and other pertinent
information.   The records  will be maintained by the program in alphabetical
order by card name.  The use or non-use of this facility has no effect on the
operation of the main components of  { MONEY & BANKS };  it is  provided  for
your convenience if you wish to keep such records in a single place.    There
is a listing option on the Report Writer menu  to  view  or print information
from this table.


The third Utility selection,   "Backup Data Tables to Diskette,"  is  a  very
useful backup facility for users of DOS 5.0 and greater.   It transfers fully
usable (not compressed)  DOS copies of all data tables than have been changed
or added  since you last did such a backup.   You are presented with a choice
of using either the  A: or  B: drive;  initially, insert a formatted diskette
and all tables are copied to that diskette.   Differential type  backups  are
then performed daily as you use the program and elect to use this utility.

You might consider using  two  alternate-day  diskettes  for  extra  failsafe
security of your financial backups.    Please note that the utility relies on
the  DOS 5.0 (and greater)  command  REPLACE.EXE,  which must be available in
your path.   You will have to run this utility in each directory in which you
have active data tables for the program  { MONEY & BANKS };  use a  different
diskette for each directory.   If  you  are  using a version of DOS less than
5.0, please use a reliable backup utility after you exit  { MONEY & BANKS }.


The fourth menu item, "Change to a Different Directory," allows you to change
Drives and/or Directories to access variously stored data tables.   The util-
ity is simple to use and is self-explanatory;  simply  follow  the  on-screen
prompts.   If you type in a  non-existent or misspelled directory,  you  will
remain in the current directory, which will be indicated on the screen.


The fifth selection on the Utilities Menu, "Add a New Bank Account," not only
is obvious as to its function but carefully prompts you for  required  infor-
mation for whenever you wish to add a new "bank" account table to your  bank-
ing information system.  For further information on this selection,  see  the
section "Adding a New Account," in the documentation.




MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 29



You may access the Label Writer from a selection on the Utilities Menu, or in
response to the final prompt in the Transactions module.

The  Label Writer module is a simple utility allowing you to print up to six-
teen labels at one time based upon names  and addresses you have entered into
the Payee/Payor table.    The mailing labels are intended for use on your own
envelopes  to  send  checks to payees for which you have no preprinted return
envelopes.   You  might  wish  to manually select letter-quality mode on your
printer before printing labels.   Labels  are  printed  in  10-cpi size print
mode.

The Label Writer is set up for standard 1" x 3.5" labels,  such as the widely
available  Avery #4145 adhesive pin-feed printer labels.   Labels may also be
"printed" to (displayed on) the screen.

In the Label Writer module itself,  you are presented with empty PCode cells,
one at a time up to sixteen in number.    You may type directly into the cell
the PCode desired, or better yet,  press <Enter> in the empty cell and choose
a PCode from a PickList that pops-up.

After you have chosen and confirmed with the  <Enter>  key one or more PCodes
for labels you wish to print,  simply press  <Esc>  in the next empty cell to
move on to the actual printing prompt screen.  You will then have an election
to print to the <P>rinter, send to the <S>creen, or <Q>uit.  Make your selec-
tion by pressing the appropriate letter key ("P" "S" or "Q").

If you choose <P>rinter, you will see a prompt asking if the printer is ready
and loaded with 1 x 3.5 labels.    Pressing  "Y"  begins the printing of your
labels.   There  will  be  three  printed lines  on each label,  provided you
properly entered the information for each entry  when  setting up your PCodes
in the Payee/Payor table.  The left print margin is 3 characters.

If you choose to "print" to the Screen,  you will see the selections shown in
label format on the screen.

Choosing the <Q>uit option will leave the Label Writer utility.


The seventh item on the Utilities  Menu  allows  you  to  select  the  proper
printer driver for your brand of printer.    For  more  information  on  this
process,  see the section in the documentation called  "Printer  Support  for
Reports, Checks and Labels Printing."


The  Archive & Purge Ending Year's Data  selection  will be available in your
registered copy of  { MONEY & BANKS },  if you should decide  to purchase it.
It was felt that the trial period of this  software  would  not  extend  into
another year of data and therefore,  best left to be available on  registered
copies.  The utility maintains maximum efficiency of year-to-year data tables
and  offers  a  permanent  archival facility for your past financial records.
Please consider this very important feature  when  determining whether or not
you will become a registered user of  { MONEY & BANKS }.   We have decided to
keep the purchase price very reasonable in order to further encourage  legal,
registered copies of this software.



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 30




The  "About" option on the Utilities Menu offers important system information
about the computer on which  { MONEY & BANKS }  is installed.   It includes a
constantly updated on-screen clock.  The "About" screen also bears the offic-
ially affixed notice of copyright for the software.


The final option on the Utilities Menu returns you to the Main Menu,  or  you
may simply press  <Esc>  or  <RightMouse> when you wish to exit the Utilities
Menu.



Printer Support for Reports, Checks and Labels Printing
────────────────────────────────────────────────────────
There is printer support  for a  variety  of printers;  select  a  compatible
printer from the  "Select a Different Printer"  item on the Utilities Menu to
replace the default printer.  If your exact brand and model of printer is not
listed, there should be at least one selection that is a compatible emulation
for your printer; check your own printer's manual for emulation guidelines.

You may wish to manually select letter-quality print style on the printer it-
self for the printing of checks and mailing labels.   You  should use  draft-
quality for most reports simply because of the printing speed,  especially if
reports are lengthy.

If you elect to use the selection for  "Generic Printer",  please  note  that
print size codes will not be sent to your printer.  You  should  then  select
manually on the printer itself the compressed mode option for the printing of
reports.    Select  10-cpi  mode for the printing of labels and,  especially,
checks.

The PRINTER.DBF table contains all the printer models and codes, and is edit-
able by the end user by using the View Tables selection on the Main Menu, but
is only available for editing when working in the main \MONEY directory.   If
you are in your  \MONEY\BUSINESS subdirectory, for example,  you will need to
change directories  (see the option for this on the Utilities Menu)  or  exit
the program  and restart it in the main  \MONEY  directory  in  order for the
PRINTER.DBF  table to appear  on the  <View Tables>  <Other *.dbf>  selection
menu.

     ┌───────────────────────────────────────────────────────────────┐
     │ Most users will not ever need to edit the PRINTER.DBF codes.  │
     └───────────────────────────────────────────────────────────────┘

If you do plan to edit the  PRINTER.DBF,  please note that printer codes  are
entered in Lotus-style format;  see  your  own  printer's  manual for printer
codes.    Currently,  { MONEY & BANKS }  only uses 10-cpi size and Compressed
size for its printing requirements.








MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 31


Technical Matters
──────────────────
{ MONEY & BANKS }    will  run  on  IBM-compatible  computers  with  512k  of
memory.   All display modes are supported; although the video was designed on
and primarily intended for VGA display, the program was simultaneously tested
on,  and modified as needed for,  monochrome displays  as well as  laptop B/W
displays  in  order  that contrasts and prompts be present and visible to all
possible users.    Special features that are  VGA-only are compensated for in
the other displays, with no adverse effect on program execution.

{ MONEY & BANKS }  must be installed on a hard drive.  Do not attempt to ins-
tall to, or run the program on, a floppy drive.

DOS 3.1 or higher is required,  and DOS 5.0 or greater is not only suggested,
but required for one utility on the  Utilities Menu:   the  backup  facility.
Mouse support is provided,  but a mouse  is  not required for use of the pro-
gram.

In your config.sys file, you *must* have the FILES=  statement set at  30  or
greater (ie,  FILES=30).

A disk cache utility used on your system will provide great benefit  to  run-
ning  { MONEY & BANKS },  resulting in marked improvement in  speed  and  ef-
ficiency throughout the program.

{ MONEY & BANKS }  will use expanded memory if it is available on the system,
even if it is only present in a small amount.   The presence of expanded mem-
ory, particularly on a  386  or greater computer,  significantly enhances the
performance and efficiency of this software.


A variety of printers is supported via a selection  on  the  Utilities  Menu.
Popular printers and emulations are provided to the best  of  our  knowledge,
and are subject to revision and additions in future  versions;  if  there  is
difficulty with any of the printer choice settings,  kindly send  us  a  note
regarding this and any possible corrections/additions you may have found,  if
any.

The optional use of the check-printing facility is intended for use  on  dot-
matrix printers which allow printing of single sheets.  Laser printer support
is included,  but is intended primarily for the  printing  of  reports.   The
printer must be connected to LPT1,  or you must use  a  utility  (we  suggest
something like PC Magazine's LPTPORT.COM) that will direct LPT1 calls  to  an
alternate address.

It is possible (but unlikely) that certain files,  particularly  index  files
(*.NTX)  can,  at some point,  become corrupted  and you see an error message
pointing to index files.   This would likely only occur if you had been work-
ing in the program  and those files were being updated when there was a power
outage.   Simply change to the directory where this occurred,  and  while  in
DOS, type:

                     DEL *.NTX

to delete all the index files;  the next time you run  { MONEY & BANKS }  the



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 32


index files will be rebuilt.   Do not take the backup .NTX files you may have
stored on your backup diskettes; they may or may not match the data tables if
you were doing updating when the corruption occurred.

If you have data tables that become unusable,  copy  them  from  your  backup
diskettes, along  with their associated index files  (bank account tables and
archive tables do not have index files).    Should other files become corrup-
ted,  particularly the "_admin.*,"  you will have to secure valid copies from
the original distribution files that you got  when you received this program.
You  might  wish  to  keep  a set of all the original uncompressed files on a
separate diskette in case one or more is needed, avoiding the install process
and uncompressing files.   Also,  data tables (.dbf) can appear to be corrup-
ted to some users,  but usually the problem is with  indexes  (.ntx)  that no
longer match or are not current with the associated .dbf table.  Try deleting
the .ntx files as described above before deciding the .dbf tables are bad.

It is possible that after having used the  "Change Directory" facility on the
Utilities Menu,  { MONEY & BANKS }  may leave behind a temporary swap file in
the directory that was changed "from."    You may see such files in directory
listings after normally exiting  { MONEY & BANKS };  they  are  identified by
unique file names containing a random sequence of numbers and letters with no
file extension, perhaps something like "73C0193C" (no extension).  Only AFTER
you have normally exited  { MONEY & BANKS }  for any session,  may you safely
delete such files  from the directory,  if they are found.   Ordinarily,  the
program  "cleans up"  any  temporary  swap  and/or  virtual-memory  files  it
creates; however, if the directory is changed and the program is then exited,
a previously created temporary file may be left behind in the previous direc-
tory.  If you are using  { MONEY & BANKS } along with a task-switching facil-
ity or multi-tasking program, or access the DOS prompt from within  { MONEY &
BANKS },  and observe such temporary files,  DO NOT DELETE them;  only  after
properly exiting a session with  { MONEY & BANKS }  may you safely delete any
remaining temporary files that are found.


Technical support is provided to registered users;  at the time this document
was written,  technical support questions should be sent in written  form  to
us.        Please include your phone and fax (if any) numbers as well as your
mailing address on ALL written communications.    Kindly indicate the product
serial number and your CustID from the invoice.   Please  include  *detailed*
information about your system, including version number of DOS,  as  well  as
the *exact* problem(s) experienced (not just "this or that doesn't work").

We may well expand technical  support  facilities  and  availability  in  the
future; registered users will be informed of changes in our technical support
service.







[ End of main documentation ]





MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 33





APPENDIX A:
────────────

{ MONEY & BANKS } Check-printing module for dot-matrix printers.
─────────────────────────────────────────────────────────────────────────────

Take a sheet of regular 8.5 x 11" paper, preferably of heavy stock, and  make
a  "carrier" for your personal or business size checks.   Cut  a  three-sided
slot, about 3 inches in length in the upper left of the sheet of paper:


                                              8.5"
                        ┌───────────────────────────────────────────────┐
                        │                                               │
                        │                                               │
                        │                               Cut a 3-sided   │
                        │                               slot with knife │
                        │     ______________________    to hold a check │
                        │    /                      \   <--             │
                        │                                               │
                        │                                               │
                    11" │                                               │
                        │                                               │
                        │                                               │
                        │                                               │
                        │                                               │
                        │                                               │
                        │                                               │
                        │                                               │
                        │                                               │
                        │                                               │
                        │                                               │
                        │                                               │
                        │                                               │
                        └───────────────────────────────────────────────┘




















MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 34





Each individual check will be inserted into that slot (just to hold it easily
in proper position for printing consistently from check to check):

                                               8.5"
                        ┌───────────────────────────────────────────────┐
                        │╔══════════════════════════════╗               │
                        │║                   ─────────  ║  Your         │
                        │║   ──────────────────── ────  ║  regular      │
                        │║ ───────────────────────      ║  bank check   │
                        │║                ───────────── ║  fits here    │
                        │║    ______________________    ║  <--          │
                        │╚═══/                      \═══╝               │
                        │                                  and "rides"  │
                        │                                  into your    │
                        │                                  dot-matrix   │
                        │                                  printer on   │
                    11" │                                  the sheet of │
                        │                                  paper.       │
                        │                                               │
                        │                                  After print- │
                        │                                  ing one      │
                        │                                  check, load  │
                        │                                  next one the │
                        │                                  same way,    │
                        │                                  pressing     │
                        │                                  <space> to   │
                        │                                  print each.  │
                        └───────────────────────────────────────────────┘


(If your dot-matrix printer feeds single sheets from the rear of the machine,
you may wish to add a second,  inversely-cut  "slot"  to hold down the top of
your check as you load it from the rear.)

Not fancy,  and certainly time-consuming if printing a lot of checks at once,
but for small accounts  it does the job without purchasing specially  printed
form-feed checks.   For doing one,  two,  or a few checks at a time,  this is
often easier than working with form-feed checks  that  require  placement and
movement of the pin-feed rollers in your printer.

Practice with blank pieces of paper that are translucent and  cut to the size
of your printed checks.  After printing a "blank," place it over a bank check
and hold them up to the light so that you may observe where  the  lines print
and how to position and manipulate in YOUR printer the actual printed  checks
for proper alignment of the printed words and numbers  with the lines on  the
checks.

The "memo,"  usually a merchant's account number or other info, is printed at
the top above the date to identify  your remittance to the person(s)  you are
sending the check.  The pre-printed memo area (usually at the bottom left) on
your checks is not used.




MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 35


Once this is set up (after practicing a few times), you will find that almost
all checks will print properly,  or very close to it,  with  the default set-
tings for generic checks.   Remember,  use of the  check-printing facility is
optional  and  most  certainly not required for beneficial use of the program
{ MONEY & BANKS }.




APPENDIX B
───────────
Registration Information:
{ MONEY & BANKS }  is licensed and supplied as is,  without any warranty.  To
the extent permitted under applicable law, RCCO Research Associates disclaims
all warranties,  either expressed or implied,  with  respect to this software
program,  its quality, performance, merchantability,  or fitness for any par-
ticular purpose.

In particular,  this software program is not guaranteed to prevent or  detect
damage to your data or programs.   In no event shall RCCO Research Associates
be liable for any claims for lost profits or any damage,  including,  but not
limited to,  special,  incidental,  consequential or other damage (including,
without limitation,  damages for loss of business profits, business interrup-
tion,  loss of business information,  or other pecuniary loss) arising out of
the use of or inability to use this RCCO Research Associates product, even if
RCCO Research Associates has been advised of the possibility of such damages.
Some states do not allow the exclusion or  limitation of incidental or conse-
quential damages,  so the above limitation or exclusion may not apply to you.
In no case shall RCCO Research Associates's liability exceed the license fees
paid for the right to use the licensed version of the software.   The license
agreement and warranty shall be construed,  interpreted  and  governed by the
laws of the state of Tennessee.

This software program,  { MONEY & BANKS }tm, is protected under the Copyright
Laws of the United States of America  and  all applicable International Copy-
right Conventions.   Makers and/or users of illegal or unauthorized copies of
the registered version are subject to prosecution under these laws.




┌───────────────────────────────────────────────────────────────────────────┐
│  Please consider how unusally low the registration price is for a  full,  │
│  legal, registered copy of software you may use for many years.           │
│                                                                           │
│  If one uses the program beyond the liberal trial period, or attempts to  │
│  continue using it without purchasing a  registered  copy,  it  must  be  │
│  considered unauthorized use of proprietary authorship and material.      │
└───────────────────────────────────────────────────────────────────────────┘



If you find this program useful and find that  you  would  like  to  continue
using  { MONEY & BANKS }  after a reasonable trial period of ninety days, you
should purchase a registered copy  by sending payment  of  U.S. $25.00  (plus



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 36


U.S. $3.00 S&H; $7.00 non-U.S.) to RCCO Research Associates.

Tennessee clients kindly add the required 8.5% sales tax.      Due to the low
price, all corporate and institutional purchase orders must be accompanied by
remittance.  (Volume purchasers please write for further information.)

*Please* indicate disk size desired (3.5" or 5.25").

You may use the order form contained in the file Register.doc to  place  your
order.  Alternatively, you may send a note or letter containing your name and
address,  disk size desired,  and payment.  We would appreciate knowing where
you obtained your present copy of  { MONEY & BANKS };  we utilize this infor-
mation on your source for future marketing purposes.

The registration fee will license one copy for use on any one computer at any
one time.  The user may not:
      a. Transfer or rent the registered version of the program or use,
         copy or modify the program, in whole or in part, except as
         expressly permitted in the agreement.
      b. Decompile, reverse assemble or otherwise reverse engineer the
         program.
      c. Reproduce, distribute or revise the registered version program
         documentation.

Commercial users of  { MONEY & BANKS }  must register  and  order  their  own
authorized copies of  { MONEY & BANKS }  within 60 days of first use or their
license is withdrawn.

You are encouraged to pass a copy of the unregistered  version  of  { MONEY &
BANKS }  along to your friends and associates for evaluation.

All registered users will receive an authorized copy of the latest version of
{ MONEY & BANKS }  along  with  any updated documentation on the disk size of
their choice.   Any  future  upgrade  versions  will be offered to registered
users at special upgrade prices.

The name  { MONEY & BANKS }  is a trademark (tm) of RCCO Research Associates.





















MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 37


APPENDIX C
───────────
Commonly asked questions and some answers:

Q. If I only want to write a one-time quick check to a party that will  prob-
   ably never receive one again from me,  why do I have to set up a new PCode
   for such a transaction?

A. The reports and querying modules rely  on  certain  items  of  information
   being available;  without provided detail on a payee's  name,  payee/payor
   status and an AlloCode,  your future reports and  queries  would  come  up
   blank for such one-time transactions,  as would  your  permanent  archival
   records.   More than one  table  relates  to  the  Payee/Payor  table  and
   requires/compiles information from it;  without a PCode entry,  you  would
   have to retype the payee's name  and  allocation  several  times  for  the
   program to be able to handle your transaction properly.  Therefore, please
   realize it does not take more time to set up a  one-use  PCode  to  handle
   your data, but actually much less time,  and affords accurate and detailed
   recordkeeping for your future queries and reports.  When setting up a one-
   use PCode,  you may save time by omitting the address, city, phone,  etc.;
   always, however,  enter a unique PCode,  the full PName,  a logical "T" or
   "F" in the "Payor" cell, and a default AlloCode.  If the existence of that
   one-use PCode is truly bothersome,  then  after  all  annual  reports  are
   printed and permanent archives set aside (usually  in  January  of  a  new
   year), you may delete the record from the Payee/Payor table (PNames.dbf).


Q. Sometimes I add an entry to the Payee/Payor or Allocations table by Quick-
   Jumping to the bottom of the table and pressing <DownArrow> to  provide  a
   new, blank record (rather than using <Alt-N> for form view entry).   After
   filling in the information in the  different  cells,  I  think  the  table
   should appear in alphabetical order showing my new  entry  in  its  proper
   place.  Why does it stay at the bottom?

A. Because this is not the preferred method for  making  a  new  entry  to  a
   table (we advise using <Alt-N> form view),  the alphabetical sort needs  a
   screen "refresh" to show the new entry in its proper position.   Returning
   from <Alt-N> or <Alt-E> form view automatically provides a refresh of  the
   table view.   To refresh table view while it is on-screen  and  after  you
   finish editing your new entry,  try pressing <PgUp> once  to  rewrite  the
   screen; your new entry should appear in its proper position.   Also,  when
   you <Esc> from table view back to the previous module  or  menu  and  then
   again enter table view,  you will see the screen refreshed  and  your  new
   entry saved in its proper place in the table.   Please note  that  if  you
   enter a PCode (or AlloCode) not in "all caps,"  the sort order will  place
   it after all the capitalized PCodes (or AlloCodes); make sure you use "all
   caps" for the PCode (and AlloCode) cells.



Q. I find the concept of "split transactions" difficult  and  time-consuming;
   is there a way I can just avoid using them?    (I prefer to sort  my  tax-
   related deductions and income at year-end with cancelled checks, receipts,
   W-2's, and forms 1099, anyway.)




MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 38


A. There is enough flexibility in  { MONEY & BANKS }  to allow you to  figure
   out your own expedient way of  doing  transactions.   If  the  absence  of
   detail in your deposit and check transactions  covering  multiple  alloca-
   tion categories does not bother you,  we see no functional reason  why  it
   cannot be done to suit you;  it certainly will not  adversely  effect  the
   mathematical calculations of your data.  The queries and reports will have
   more generalized reporting detail that will not be as informative to  you.
   We do maintain that within a few days' worth of  practice  with  "splits,"
   their concept,  importance,  and ease of use will become second nature  to
   you in your data entry.   If you must  avoid  the  feature,  simply  never
   allowing "SPLIT" or "SPLITD"  as  an  AlloCode  in  any  transaction  will
   prevent the split transaction screen from popping up.   You will  have  to
   create broad, generalized allocation codes to handle such transactions.


Q. I do not care to print checks on my printer  --  I find it tedious,  need-
   lessly time-consuming,  and not  all  that  important  to  have  computer-
   generated checks.  Am I missing out on a primary use of your program?

A. Not at all.  Check  printing is  certainly  not  an  important  functional
   feature of  { MONEY & BANKS }.   Your efficient and accurate recordkeeping
   details are the primary reason for using this program.   Many  users  will
   not want to utilize computer-printed checks.   However,  the  facility  is
   provided if you wish to use it and if it works with  your  own  dot-matrix
   printer and bank-printed checks.   What the check-printing module lacks in
   elegance and flexibility is compensated for only by the fact  that  we  do
   not require you to order specially-printed pin-feed checks  (as  do  other
   banking program publishers).


Q. Aren't there several home and business  budgeting,  retirement,  mortgage,
   investment,  and loan-related features available in other commercial bank-
   ing software that are absent in your program?

A. There are, certainly.   Time and time again,  we found  that  most  people
   rarely,  or never, use such parts of CPA-designed programs.   Such modules
   add layers of extra code and overlays  to  the  executable  file,  slowing
   learning time and the execution of the task at hand:    doing your banking
   quickly,  easily, and efficiently.   We find that people enjoy using their
   computers in their small business,  professional,  and  home offices,  and
   that financial operations must not  only  be  accurate,  but  cleanly  and
   swiftly executed in an attractive,  visual environment with equipment  and
   knowledge they already possess.  In our pre-development research, we found
   no  single  other  financial  program  (at  any  price)  to  offer   these
   requisites.  We trust many will discover these unique features in  { MONEY
   & BANKS }.



Q. I dread the changeover into a new calendar year;  I used another financial
   program that made this an absolute nightmare,  although the program worked
   well during the rest of the year.   May I continue doing transactions dur-
   ing the first portion of the calendar year  without  hindrance  from  your
   program if all items are not cleared and archived from the previous year?




MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 39


A. Yes.   In one widely-available commercial program,  the user is aggravated
   incessantly during the new year with daily reminders that it is now a dif-
   ferent year and constant messages to  "clean out"  and permanently archive
   the ending-year data and reports while trying to perform  normal  transac-
   tions on or after January 1st.  As most people know,  rarely do all checks
   and deposits clear immediately,  the bank statements arrival dates differ,
   and we may just not yet be ready to devote time to archival and final  re-
   porting.   Carry this over more than thirty  days  and  you  are  in  real
   trouble.   We don't need to hear about this over and over  and  over  with
   beeps and bright red/white warning screens and time-consuming  "temporary"
   archivals as we attempt to perform our normal banking transactions  during
   the start of the new year.   { MONEY & BANKS }  quietly  works  with  YOUR
   schedule and at your pace.   Continue your banking in the new year;  after
   all statements have been received,  all ended-year items cleared,  and all
   needed reports printed and filed,  proceed with the permanent archival  of
   your data.  Exercise due caution when entering dates to make sure they are
   indeed the correct ones needed.  Also, after you have entered CHECKS dated
   IN the new year, you may not then back-date subsequent CHECKS to the ended
   year; end-year transactions other than checks may continue to be entered.


Q. I had a check that was prepared and entered in your program,  and sent  to
   the payee.  It got lost in the mail, and a couple of months later I had to
   pay the debt in person with cash.  How  can  I  void  the  original  check
   transaction?

A. You may go into the account table and the archive  table  and  delete  the
   rows containing the transaction you wish to void.   You MUST  then  adjust
   the Balance cell at the very end (bottom) row of  the  account  table,  as
   there is no automatic mathematical adjustment when working in a table view
   and an amount is deleted or changed.   Alternately,  to retain a record of
   the transaction as being voided,  we suggest you create two special  Allo-
   Codes called "VOIDD" (void debit) and "VOIDC" (void credit).   Rather than
   delete the record,  simply change the Debit or Credit cell to  "0.00"  and
   change the AlloCode cell to "VOIDx," where x is the indication of the type
   of void.   Adjust the Balance cell at the bottom of the account table  for
   the amount you voided out.    In this manner the record of the transaction
   will show in queries, reports and your recordkeeping, but with the special
   allocations called "VOIDx" to remind you of what was done.   You will also
   have to indicate the transaction as "cleared" when it appears next in  the
   Reconcile module.


Q. Please explain more about the needed settings in my  CONFIG.SYS  file.   I
   understand your program fairly well,  but I am not a  technically-oriented
   computer user.

A. CONFIG.SYS FILE INFORMATION:   In the documentation of  { MONEY & BANKS },
   under  the  heading  "Technical Matters"  we  inform  the  user  that  the
   computer's CONFIG.SYS file must have a line (the FILES=  statement)  indi-
   cating the number of file handles that DOS is to  open  in  order  to  use
   programs like { MONEY & BANKS }.  However, we did not stress how important
   this setting is.  In order to successfully run  { MONEY & BANKS }  on most
   PC's, the FILES=  statement *must* be set at the  number  30  or  greater;
   ie, FILES=30 (note:  NO spaces on either side of the equals sign).



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 40



   If your computer does not have this many file handles available for DOS to
   utilize,  { MONEY & BANKS } may load properly and run for a while.  As you
   get involved in  your  banking  operations,  the  program  is  setting  up
   complex relations between various data tables and other components used by
   the program and the version of DOS you are using.   If  DOS  runs  out  of
   available file handles to use, you may be forced to abruptly end your work
   at an inconvenient time and be returned to DOS.    Computers  particularly
   susceptible to this are those that have several  memory-resident  programs
   (TSR's) installed or have a DOS "shell" (PC Tools, Norton Desktop,  Norton
   Commander, or the shell program that comes with DOS 5.0+, etc.).

   For those users who are not familiar with what the CONFIG.SYS file is,  we
   shall herewith attempt to provide a little information.     The CONFIG.SYS
   file is an optional user-created text file located in the  root  directory
   of your boot drive,  usually the C: hard drive;  its purpose is to provide
   instructions to DOS regarding your system configuration.    Your  computer
   may, or may not, have come with such a file already created  for  you;  if
   the file does NOT exist on your machine,  DOS will use  a  certain  preset
   default set of parameters to operate your system. In many instances, these
   default parameters are adequate to serve  many  of  the  average  computer
   user's needs, as long is he/she is not running very  complex  programs  or
   environments such as Microsoft Windows.   These default settings are *NOT*
   adequate to operate  { MONEY & BANKS }.   The absolute minimum you must do
   is assure that you have a Config.sys file and modify it, or create it from
   scratch to hold simply one item:  a simple statement to DOS about how many
   files DOS may have open at any one time ("files" will include bank tables,
   archive tables, other tables, their associated index files, the executable
   portions of  { MONEY & BANKS },  plus any other of your own files:   batch
   files, the TSR's mentioned above, etc).

   To determine whether or not you have an existing Config.sys file,  at  the
   DOS prompt type:
            C:<enter>
            CD \<enter>
            DIR CONFIG.SYS<enter>


   This will give  you  a  directory  listing  showing  the  existence  of  a
   Config.sys file, or else a message stating the file was not found.  If NOT
   found,  next type the following while in the root  directory  of  your  C:
   drive:
            COPY CON CONFIG.SYS<enter>
            FILES=30<enter>  (Note:  NO spaces on either side of equals sign)
            <Ctrl-Z><enter>  (Press & hold Control key,  press  "Z",  release
                             both, which creates a symbol that looks like the
                             rooftop-shaped control character in front  of  a
                             letter Z.  Then press the <enter> key.)

   That's it; that's all you have to do (for now).    There  are  many  other
   settings that you can put into your Config.sys file,  and it would be wise
   to learn of them as you become more familiar with DOS  and  its  workings.
   But for now,  that one simple FILES=30 statement will allow your  computer
   to successfully run  { MONEY & BANKS }.




MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 41


   If your computer does already have a Config.sys file,  you may examine its
   contents while you are in the root directory of your C:  drive  by  typing
   the following:
            TYPE CONFIG.SYS<enter>    ("TYPE" is a DOS command)

   Look for a line anywhere in the file that  says  FILES=x,  where  x  is  a
   number stating the file handles DOS will have  available  for  its  opera-
   tions.  If the line does NOT exist, or contains a number less than 30, you
   will need to modify your existing Config.sys in  order  to  run  { MONEY &
   BANKS }.  You will need to use a plain text editor  (NOT,  we  repeat  and
   emphasize  *NOT*  a regular word processing program that you may  have  on
   your computer,  unless it also can create or edit plain ASCII text files).
   DOS 5.0 or greater comes with a plain text editor called EDIT. To use that
   particular text editor, which is not a word processor, you simply type (if
   you are in the root directory of your C: drive):
            EDIT CONFIG.SYS<enter>

   You may then edit the lines of your Config.sys much as if you were  indeed
   using a word processor  (you must not use a regular word processor as they
   most often  insert  invisible  proprietary  formatting  codes  into  text,
   rendering a configuration or batch file useless).  If you presently find a
   line that appears to be FILES=  with a number after, change that number to
   at least 30; ie,
            FILES=30       (Note:  NO spaces on either side of equals sign)

   If there are other lines already in the Config.sys file,  we  suggest  you
   place the FILES= statement at,  or near the top of the file;  each command
   statement in this file must be on a separate line.   Make  sure  you  have
   entered no other characters or extra blank lines in  the  file,  and  then
   choose File Save from the menu (other text editors  will  have  their  ap-
   propriate manner for saving the file).  That's it.

   After you have created or modified your Config.sys file,  you *must*  then
   reboot your computer for these changes to take  effect.   To  reboot  your
   computer, press and hold the Control key, then press and hold the Alt key,
   then press the Delete key.   Your computer will do what is known as a warm
   reboot; the changes in your Config.sys file will then be available to DOS.
   { MONEY & BANKS }  will love it.


Q. I added a second directory to handle my business accounts and  believe  it
   to be set up properly.   Everything works, except as I now  press  <Alt-M>
   (to bring up the manual) when working in the new directory,  there  is  an
   error message telling me that "Money.doc" cannot be found.    I  know  for
   certain that I put a copy of Money.doc in  the  new  directory.   What  is
   wrong?

A. You should not have that extra copy of Money.doc in a secondary directory.
   Money.doc (and certain other files) must exist only  in  the  primary,  or
   parent, directory (usually named \MONEY).   If you review the instructions
   in the Quick Start section of the documentation,  you will see we are very
   specific as to which files must go in any new directories you set up (they
   are:  PNAMES.DBF,  ALLOCATE.DBF,  SECUR.DBF,  CARDS.DBF,  _ADMIN.PCX,  and
   ARCHIVE.DBF).    Also, there is a statement in that section that reads "Do
   NOT place duplicates of any other files  in  the  secondary  directories."



MONEY.DOC                 { MONEY & BANKS }  Documentation            Page 42


   Simply delete any files not on the required list and the program will work
   properly in secondary directories.  (Do not,  of course,  delete any  .BNK
   tables you may have created.)   The PATH statement  in  your  Autoexec.bat
   file *must* include the primary \MONEY directory as part of  the  PATH  in
   order to use one or more secondary directories.


Q. I see the file Register.doc [order form] in my \MONEY directory.   How may
   I print it out on my printer?

A. To print the registered copy order form,  make sure your printer is on and
   ready with at least 2 sheets of paper,  change to the \MONEY directory and
   at the DOS prompt, type the following:

                        COPY REGISTER.DOC PRN<enter>



─────────────────────────────────────────────────────────────────────────────





                               { MONEY & BANKS } tm


                          Software and Documentation
           (C) Copyright MCMXCII, MCMXCIII RCCO Research Associates.
              All Rights Reserved under International Conventions.

                           RCCO Research Associates
                              Post Office Box 196
                             Gatlinburg, Tennessee
                                      37738




─────────────────────────────────────────────────────────────────────────────
                      Please consult your software source for programs in the
                          OBJECTS::NEXUS(tm) Filer Series from RCCO Research.