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CASHMASTER (tm) By THE FRIENDLY SOFTWARE COMPANY POST OFFICE BOX 25008 COLORADO SPRINGS, COLORADO 80936 VERSION 1.1 COPYRIGHT (C) 1987 BY THE FRIENDLY SOFTWARE COMPANY ALL RIGHTS RESERVED The Cashmaster (tm) program is not a public domain program. It is a Copyrighted program. All rights are reserved except those granted to the user in the Distribution Notice in this document (page 2). 1 ******************* DISTRIBUTION NOTICE ******************* Cashmaster (tm) is being distributed through User Supported Software. You are free to obtain a copy of Cashmaster (tm) from Electronic Bulletin Boards or from someone who already has a copy. This will allow you to try the program and see if you are interested before you pay for it. It is not free software. If you use the program we trust you to send $5.00 for payment to: The Friendly Software Company, P.O. Box 25008, Colorado Springs, CO 80936. You can also get a production copy directly from The Friendly Software Company. We will send you the latest version of Cashmaster (tm) by First Class Mail for $5.00. We will also add your name to our mailing list for notice of new versions of Cashmaster (tm) plus notice of new software as we release it. You will find an order form at the end of this document. You are free to copy and give others a copy of Cashmaster (tm) with the following restrictions. 1. Cashmaster (tm) must be copied as a complete set of programs (see PROGRAMS INCLUDED IN CASHMASTER (tm) PACKAGE). Please do not alter or delete any programs from the distribution set. 2. No charge is to be made for copying or distributing Cashmaster (tm). User Groups can make a small charge to cover their costs for copying and discs. The charge should not exceed $5.00. Please explain User Supported Software to User Group Members and ask them to support it. 3. Written permission is required from The Friendly Software Company for the commercial sale of Cashmaster (tm). 2 ******** FEEDBACK ******** We will be improving Cashmaster (tm) and releasing new versions in the future. Our staff has spent many hours debugging the programs. It is our intent to live up to our name and make the programs User Friendly. We welcome your comments and suggestions. If you have comments or problems please write and give us the details. Write to: The Friendly Software Company Attn: Quality Assurance P.O. Box 25008 Colorado Springs, CO 80936 Please type or print: NAME______________________________________ Version #________ COMPANY___________________________________________ STREET ADDRESS____________________________________ CITY & STATE______________________________________ ZIP CODE__________________________________________ How did you obtain your first copy of Cashmaster (tm) or learn about it? __________________________________________________ __________________________________________________ __________________________________________________ 3 Table of Contents Welcome to Cashmaster (tm) ..................................5 Equipment Required ..........................................8 Getting Started .............................................9 Main Menu ...................................................9 Bank Teller ................................................10 Budget Codes ..........................................10 Entering Transactions .................................11 Load Checking Account .................................11 Edit Checking Account .................................11 Balance My Account ....................................12 Check My Arithmetic ...................................12 Print The Account .....................................12 Save The Account ......................................12 Exit ..................................................13 Cash Flow Analyzer .........................................14 . Getting Started .......................................14 New Month Analysis ....................................14 Print The Analysis ....................................15 4 Load A Previous Analysis ..............................16 Real Estate Analyzer .......................................17 Using How Much Home Can I Afford? .....................17 Calculating Mortgage Balance and Schedule .............17 Comparing Mortgage Options ............................18 Financial Analyzer .........................................19 Using Monthly Loan Payment ............................19 Calculating Interest Rate On A Loan ...................20 Calculating What Loan You Can Afford ..................20 Predicting Value Of Savings ...........................21 Saving A Specified Amount .............................21 Comparing Loans .......................................21 Limited Warranty ...........................................23 Order Form For Production Copy .............................24 5 WELCOME TO CASHMASTER (tm) -------------------------- Cashmaster (tm) is a set of financial programs aimed at both the home and small business. The Bank Teller Program will record all your financial transactions. Next, the Cash Flow Analyzer takes the information you have entered and does an "instant" analysis of where your money goes. The Real Estate Analyzer and Financial Analyzer will be of special interest for both home finance and small business. Loan calculations and loan comparisons as well as savings calculations are included. Also included are amortization schedules and savings tables. The main program is made up of four program modules: TELLER.EXE, FLOW.EXE, REAL.EXE, and FINANCE.EXE. The programs FIRST.EXE, PRINT.BAT, DOC, SAMPLE(S), and READ.ME complete the Cashmaster (tm) set. Cashmaster (tm) will help you to become more organized and efficient in your money management. The programs are MENU- DRIVEN to make them User Friendly. In addition, the programs are designed for ONE-KEY selection of a program's features. This makes the programs more friendly and easy to use since you don't have to keep pressing the Enter key. Extensive error checking has been included to prevent accidental entry of wrong information; plus, the bell sounds to get your attention when you make a mistake. For the most part the programs are self-explanatory. If you need more details they will be explained in this document. 5 The Bank Teller and Cash Flow Analyzer are INTEGRATED. Integrated programs are becoming more and more popular because they share data with one another. You don't have to retype the same information to use the features in another program - it really increases your productivity. The Bank Teller program keeps detailed transactions of your spending, including tax status and a budget code. An audit trail is included so you know on what date the program was last used. The program can be used on a color monitor or a monochrome monitor. Ordinarily the program displays your balance in black (you're in the black). If your balance should go negative, the balance is displayed in red (you're in the red - we couldn't resist). The Cash Flow Analyzer uses budget codes you set up to provide a detailed analysis of your spending WITHOUT reentering all the transactions - it's integrated with the Bank Teller program. Since most of us budget on a monthly basis, the program takes all the data for a month and automatically analyzes where your money went. You could run an analysis for one, two, or three weeks and see "how you're doing" in relation to how you wanted to spend your money. The analysis is printed out so you have a permanent record. It can also be saved on disc and comparisons made for any other period. You can keep records over an extensive period of time to see long-term trends. The Real Estate Analyzer allows you to figure mortgage balance and mortgage payment. You can also compare options by changing the mortgage amount, the interest rate, or the number of years to help you find the best mortgage value. The program will print a mortgage amortization schedule so you know the interest paid each month and the remaining balance on the mortgage. 6 The Financial Analyzer will calculate just about everything you might need in finance. The features include: figure monthly payment on a loan, find what interest rate you are paying on a loan, determine what loan amount you can afford, calculate the future value of your savings, figure the payments needed to save for a future amount, etc. The program helps you to "shop and compare" in the world of finance. You have the option of comparing just about every conceivable possibility on loans, including printing the options, to find the best value at a lending institution. 7 EQUIPMENT INFORMATION SYSTEM REQUIREMENTS: Computer - IBM Personal Computer or IBM Compatible Disc Drive - One 360k Double Sided DOS - 2.0 or later Memory - 192k Minimum Printer - Required Display - 80 Column Monochrome or Color Monitor 8 GETTING STARTED It is a good idea to make a copy of the Cashmaster (tm) disc and put the original in a safe place. Use the copy to work from. This is the program disc. We have included some sample files on the disc so you can see right away how the programs work. If you do a 'dir' on the disc you will see SAMPLE.XX files. The file names are SAMPLE and the extension (.XX) will vary. When you run a program just type SAMPLE.XX (you will be told what extension letters to use). Ok, let's get started. Although the programs are very user friendly, we will provide some details and tips in this section about each program. MAIN MENU Insert the Cashmaster (tm) program disc in drive A and type: 'FIRST'. The main menu will allow you to choose the program you wish to run. Just make a selection and type the appropriate number. The program will always return to this main menu so you can make program selections. 9 BANK TELLER You will need a blank formatted disc to store your account transactions (this is just one of any number of data discs). Files will be put on this disc so DON'T put a write protect tab on it. You can have any number of different checking accounts. Just start a new data disc when you need more room. To become familar with how the program works, you can load a sample checking account (sample.ck) and become familar with the Bank Teller features BEFORE you enter your own transactions. Select (2) in the Bank Teller menu and load SAMPLE.CK. This sample also includes sample budget codes. After loading, select (9) in the main menu to see the sample budget codes. The Bank Teller Program will allow you to enter up to 1000 transactions for an account. This is a full year for most people, however, you can name your accounts 1,2,3 and have unlimited room. For example, NAT1.CK, NAT2.CK, NAT3.CK; more information on naming your accounts later. Note, all the files for each account must be on the same data disc; also, within each file there must be a complete month of data. Don't put data for the same month in, for example, NAT1.CK and NAT2.CK. This will allow the Cash Flow Analyzer to work correctly. You can enter transactions for checks, deposits, or other transactions. Other transactions include bank card (debit card) purchases that are withdrawn from your checking account, service charges, or fees. For your convenience, a running total of the number of transactions is kept on the screen. BUDGET CODES The first order of business is to enter your expense budget codes. You can enter up to 30 different codes to track your expenses. Select (8) in the Bank Teller menu. You can call up the budget codes at any time from this menu. We recommend 10 you do a screen print of the codes and then you'll have a record for future use. The codes will automatically be saved with each account your create. Take your time and decide what codes you need before you start entering transactions. You can go back and change the codes using the "Edit checking account" selection in the Bank Teller menu, but this would be time consuming. So take some time at the start and give it careful consideration. To change the budget codes, simply select (8) in the first menu and reenter the new codes. This is always done as a complete set. Then you must choose "Edit checking account" and change the budget code entry for each transaction affected. ENTERING TRANSACTIONS If you are starting a new account, the program is smart enough to know this and ask you for the balance from your last balanced statement. If you are entering transactions in an existing account, the program will ask you for today's date. This allows you to know when account was last accessed. Note that there is a counter on the screen so you know how many transactions you have entered. The maximum is 1000, but you can start part two of the account and add another 1000 transactions (e.g. filename NAT2.CK). Remember, keep all of each month's transactions in the same file. LOAD CHECKING ACCOUNT This is your first step if you want to add entries in an account. The name of the account is in the form: NAME.CK. EDIT CHECKING ACCOUNT This feature allows you to change, delete, or just scan the 11 account for an entry. The program shows you 18 transactions on each screen. You can view over 50 transactions per minute! BALANCE MY ACCOUNT The program will automatically balance your account when your statement arrives. To start, you must subtract any service charge from your latest statement as an other transaction in the menu. Select (4) in the menu and if your account has no service charge, press Y. The program will show each transaction in your account so you can check it with your bank statement. If the transaction is on the statement and it matches, enter (1). If it is ON the statement, but is NOT the same you must check it against the entry in your checkbook. Since it is not a match, enter (2). If the transaction is not on the statement, it is outstanding and you enter (3). You can go back to the main menu at any time by pressing the Escape key and make corrections to a transaction. CHECK MY ARITHMETIC The program has a built-in calculator that you can reach from the main menu. PRINT THE ACCOUNT Sometimes it is convenient to have a written record of your transactions for future reference. The program will print the entire account or just the tax-deductible transactions. 12 SAVE THE ACCOUNT Don't forget to save the account after entering new transactions. Any name up to eight letters and/or numbers can be used. Add .CK to the filename. EXIT Always exit the program after an account. This clears the memory to work on another account. 13 CASH FLOW ANALYZER This program is INTEGRATED with the Bank Teller program so you only enter the information once. We all have to keep the details for checks and charges on what we spend. By adding one additional piece of information, a budget code, the power of the computer is used to analyze where you spend your money. GETTING STARTED Since this program is integrated with the Bank Teller, the same budget codes and expense names are used. The total amount spent per month in each expense category cannot exceed $9999.99. The main menu for the Cash Flow Analyzer shows you can analyze spending for a new month or look at the analysis for a previous month. You can then print the analysis for your records. NEW MONTH ANALYSIS For this feature enter (1), and the program will use the Bank Teller account to analyze your spending. The account must contain the ENTIRE month you want to analyze. It can contain other months, but the entire month you wish to analyze must be present in the account. You can also analyze one, two, or three weeks in an account to see how your spending is stacking up against your budget. Use the SAMPLE.CK account to see how the program works. We will analyze the month of September 1987. The first step is to enter (1) Analyze a new month. The display will give us a reassuring message that our file is loaded. At this point, we need to enter the month (a number 1 through 12),(comma) 14 year- no space. For example, we will use 9,1987. In no time at all, a message is displayed that the computer has finished the analysis and it is waiting to print it for us. After pressing the space bar, we are back at the main menu. PRINT THE ANALYSIS We're skipping ahead a bit, but since we just did an analysis, let's see what it looks like! After entering (4) the program asks for take-home pay here, since it will probably change (upward I hope with our old friend inflation around). By entering it here means no other change in the program will be necessary. If you used SAMPLE.CK use a pay of $2050. Make sure the printer is ready. After pressing Enter, the analysis is printed. At the left of the page, each budget code expense is listed. The next column shows the PLANNED amount to be spent in each category. The third column is the ACTUAL amount spent in each category. The final column is how much the actual VARIED from the planned amount in each category. A negative amount means you overspent in that category. Totals at the bottom show the total PLANNED amount to be spent in the month, and the difference. Next, is your "bottom line." Your monthly income minus your total monthly expenses. Ok, we skipped ahead a bit; next is: Save New Month Analysis. Be sure to save the analysis AFTER you print it. The memory is cleared after the analysis is saved. Saving the monthly analysis allows you to keep a permanent record to print at a later date. After entering (2) you need to enter the month of the analysis followed by .CF. The name can't exceed eight letters and/or numbers. If you want to keep several years of data, you could add the year; e.g., JULY87.CF. The CF identifies the file for you as part of Cash Flow. After 15 saving the analysis, the memory is CLEARED for a new analysis. Now, for the final topic. LOAD A PREVIOUS ANALYSIS If you want to print the analysis for a previous month, select (3). At the prompt enter the file name. You can use the SAMPLE.CF file to see how this works. Next, a message that the file is loaded is displayed. There is a short delay at this point while "garbage collection" occurs. Then, back to the main menu. 16 REAL ESTATE ANALYZER This program makes complex mortgage and investment calculations with detailed displays and printouts. Menu driven options calculate: how much home you can afford, your current mortgage balance, and mortgage comparisons. USING HOW MUCH HOME CAN I AFFORD? You need to know your annual income before taxes, the amount you want to pay per month, the APR of interest you will pay, and the term available for the mortgage (years). After selecting (1) in the menu, a prompt asks you to enter your annual income before taxes (no $ sign). This will be used to calculate a recommended maximum mortgage for your income. Next, you are asked what monthly payment you can afford for principle and interest. Then, enter the term for the mortgage in years. Last, enter the Annual Percentage Rate of interest (no % sign). The next display shows your monthly payment and the mortgage amount. This is followed by the mortgage amount recommended by experts for your income. CALCULATING MORTGAGE BALANCE AND SCHEDULE You need to know the amount of the mortgage (maximum of $999999.99), the term in years, the monthly payment for principle and interest, the APR, and the years remaining on the mortgage. After selecting (2) in the menu, enter the original mortgage amount (no $ sign). Next, enter the original term of the mortgage in years. Now enter the monthly payment including principle and interest. The APR of interest is entered next, 17 followed by how many years remain on your mortgage. The next display shows the remaining amount on your mortgage. After you press the space bar, a submenu allows you to display or print details on the loan. This includes payment number, principle amount, interest amount, and new balance. If you choose, you can make another mortgage calculation or just return to the main menu. COMPARING MORTGAGE OPTIONS This option will compare a maximum of 10 mortgage options. The maximum amount is $999999.99 and the maximum term is 40 years. You have the choice of varying the amount, the interest rate, or the term in years. After selecting (1) in the menu (vary mortgage amount), a prompt asks how many mortgages you want to compare. Next, enter the mortgage term in years, followed by the APR of interest (no % sign). Now, at this point you can enter all the mortgage amounts. Next, you are offered a choice of displaying or printing the comparisons. If you have a printer, make sure it is "ready" before you press "P". At this point, the comparisons will be made, including: mortgage amount, term in years, APR of interest, and monthly payment amount. Selecting (2) or (3) in the menu, allows you to vary the interest rate or the length of the mortgage. The process for all three options is similar. 18 FINANCIAL ANALYZER The personal computer's value lies in putting within reach of the public, applications that used to belong exclusively to big business. In your everyday financial planning, this program gives you answers to loan and savings questions, so when you do contact a financial institution, you have a clearer idea of what you need. This program will be your consultant for the most often asked financial questions in your life. It takes the mystery out of loan and savings calculations, and has easy-to-use menu driven options. It can calculate: monthly payment for any loan amount, length of loan, and interest rate; interest rate being paid on a loan; maximum loan you can afford for any monthly payment and interest rate; future value of a savings account for any deposit amount and interest rate; the monthly payment you need to build a nest egg for any amount and interest rate; and loan comparisons for just about any possibility. USING MONTHLY LOAN PAYMENT The first step is to press the number (1) key. You are then prompted for the loan amount. It can be any amount from $1 to $30,000. Enter the amount (no $ sign) and press the Enter key. Next, enter the number of monthly payments on the loan and press Enter again. The last question asked is the Annual Percentage Rate (APR) of interest you must pay. After entering the interest rate (no % sign) and pressing Enter, the required monthly payment is displayed. When you are ready to continue, press the space bar. At this point, a submenu allows you to display the amortization schedule, print the schedule, or calculate another loan. What's amortization? Amortization is a fancy term in finance that means to pay back or liquidate the loan. 19 CALCULATING INTEREST RATE ON A LOAN In those circumstances where the Annual Percentage Rate (APR) of interest is not known or as a check on figures provided for a possible loan, this option calculates the APR from loan amount, payment, and number of monthly payments. A minimum APR of 4% (conservative these days) is assumed. The program uses the process of iteration, starting at 4%. It then calculates the monthly payment and if the calculated payment is less than the payment you entered, an increment is added to the APR. The process repeats until the monthly payments match. This can take longer than most other calculations because the computer is "guessing." After selecting (2) in the main menu, a prompt asks you to enter the amount of the loan (no $ sign). Then, you enter the number of monthly payments. Finally, enter how much you pay monthly on the loan (no $ sign). A reassuring message is displayed "computer is calculating!" This might take a little while, so you may want to get a cup of coffee. When you come back, the loan amount, number of payments, monthly payment amount, and interest rate will be displayed. CALCULATING WHAT LOAN YOU CAN AFFORD When a major purchase is planned, this program will come in handy. After selecting (3) in the main menu, the first step is to enter how much you can pay monthly (no $ sign). Then, enter how many months you want to carry the loan. Next, enter the Annual Percentage Rate (APR) of interest you must pay (no % sign). After the answer is displayed, you have the option of making another calculation. 20 PREDICTING VALUE OF SAVINGS This handy option helps plan for college, a vacation, or other future savings program. After selecting (4) in the main menu, you are asked to enter how much you can save monthly (no $ sign); the maximum amount is $800. Then, enter how many years you want to save. Next, enter the Annual Percentage Rate of interest your savings will earn (no % sign). In no time at all, the answer is displayed at the bottom of the screen. You also have the chance to make another calculation. If you choose not to make another calculation, a submenu gives you the opportunity to display the amount deposited, the interest earned, and the new balance for each year you save. You can also print the information for a permanent record. The final options allow you to make another calculation or return to the main menu. SAVING A SPECIFIED AMOUNT Occasionally there are times when a specific amount of money will be needed for a vacation, a new car, home improvements, etc. This program makes planning easy by calculating exactly how much you need to save monthly. After selecting (5) in the main menu, a prompt asks you to enter the total amount you want to save (no $ sign). Next, you are asked how many years you want to save. The last question is the Annual Percentage Rate of interest, don't enter the % sign. In no time at all, the answer appears. You have the option of making another calculation. COMPARING LOANS "Shop and compare" is not just restricted to purchasing goods. This program option allows you to compare any number of loans. 21 There are many possible combinations of loan comparison. You can compare the increased interest paid when the number of payments are increased. You can compare the monthly payment and interest paid as the APR increases. The loan amount can be varied to determine how much the monthly payment increases. And, on and on. After selecting (6) in the main menu, the display gives you a short summary of the program. After pressing the space bar, the prompt asks for the number of loans you want to compare. There is no limit to the number of comparisons. After entering the number of loans and pressing Enter, you are given the choice of displaying or printing the comparisons. If you have a printer, make sure it is "ready." The next prompt asks for the loan amount on the first loan (no $ sign). Then, enter the number of monthly payments, followed by the Annual Percentage Rate of interest (no % sign). After pressing Enter, the first loan amount, APR, monthly payment amount, and total interest paid are displayed. If you press the space bar, you can enter information for the next loan. This will continue until all the loans are compared. The results are fancier on the printer, but the information is the same. 22 DISCLAIMER OF WARRANTY AND LIMITED WARRANTY THE PROGRAMS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED. YOU ASSUME THE ENTIRE RISK AS TO THE RESULTS AND PERFORMANCE OF THE PROGRAMS. IF YOU PURCHASE A PRODUCTION DISC DIRECTLY FROM THE FRIENDLY SOFTWARE COMPANY, THE DISC ON WHICH THE PROGRAMS RESIDE IS WARRANTED TO BE FREE FROM DEFECTS IN MATERIALS AND WORKMANSHIP UNDER NORMAL USE AND SERVICE FOR A PERIOD OF THIRTY (30) DAYS AFTER RECEIPT. THE DEFECTIVE DISC MUST BE RETURNED TO THE FRIENDLY SOFTWARE COMPANY FOR REPLACEMENT. THIS IS YOUR SOLE AND EXCLUSIVE REMEDY AND THE FRIENDLY SOFTWARE COMPANY'S ONLY LIABILITY. EXCEPT FOR THE ABOVE DISC WARRANTY, THERE IS NO OTHER WARRANTY, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL THE FRIENDLY SOFTWARE COMPANY BE LIABLE FOR ANY DAMAGES WHATSOEVER IN CONNECTION WITH THE USE OF THESE PROGRAMS, INCLUDING LOST PROFITS, BUSINESS INTERRUPTION, OR OTHER INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE PROGRAMS EVEN IF THE FRIENDLY SOFTWARE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. THIS DISCLAIMER OF WARRANTY AND LIMITED WARRANTY IS GOVERNED BY THE LAWS OF THE STATE OF COLORADO. 23 ****************************** ORDER FORM FOR PRODUCTION COPY ****************************** MAILING LABEL The Friendly Software Company CUT OUT --> P.O. Box 25008 Colorado Springs, CO 80936 cut here >------------------------------------------------------------- ORDER FOR FOR PRODUCTION COPY OF CASHMASTER (tm) Send $5.00 in cash, check, or money order made payable to: THE FRIENDLY SOFTWARE COMPANY. Please send me a Production Copy of the latest Version of Cashmaster (tm) via First Class Mail. Send to: PLEASE PRINT OR TYPE Name______________________________________ Street Address______________________________________________________ City and State________________________________________________________ Zip Code__________________________________ 24