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Promissory Note Program Version 2.00 January 10, 1994 Copyright 1988 - 1994 by J A M E S H U C K A B E Y software with a heart James H. Huckabey Turbo Basic' compiled program (trade mark and copyrights of Borland International, Inc.). 1 Table of Contents User-Supported Software............................page 3 Disclaimer.........................................page 4 System Requirements................................page 5 What The Program Does..............................page 5 Backing Up The Program.............................page 5 Running The Program................................page 7 Promissory Note Menu...............................page 7 ******* NOTES *******..............................page 7 <A> Note - Payee/Maker........................page 9 Note - Renew Payable......................page 13 <C> Note Receivable - Buy/Sell................page 20 <D> From The Author...........................page 25 <E> Exit Program..............................page 26 Screen Displays and Printouts......................page 27 Glossary...........................................page 28 Index..............................................page 30 Invoice............................................page 31 2 USER-SUPPORTED SOFTWARE User-supported software, which is also known as Shareware, is an experiment in microcomputer software distribution based on The following principles: 1. That the value or worth of a program is best judged by the individual user using the program on his/her own machine. 2. That the creation and distribution of microcomputer software can be financially supported by users at reasonable cost. 3. That the copying and sharing of software can and is encouraged. Anyone may request a copy of a user-supported program by sending a blank, formatted disk to the author of the program. An addressed, postage-paid return mailer must accompany the disk (no exceptions, please). A copy of the program, with documentation on the disk, will be sent by return mail. The program will carry a notice suggesting a contribution to the program's author. Making a contribution is completely voluntary. Free distribution of software and voluntary payment for its use eliminates costs for advertising and copy protection schemes. Users obtain quality software at reduced cost. They can try it out before buying, and do so at their own pace and in the comfort of their own home or office. The best programs will survive based purely on their quality and usefulness. Please join the experiment. If you share a belief in these principles, your contribution is requested to help make this work. Regardless of whether you make a contribution, you are encouraged to copy and share this program. PERMISSION TO COPY Individuals, clubs, and other non-profit organizations are granted permission by the authors to freely copy this program and documentation and share it with their members, so long as: 1. No price is charged for the software or documentation. However, a distribution, copying cost or charge for the cost of the diskette, so long as it is not more than $6.00 total. 2. Club members be informed of the user-supported idea and encouraged to support it with their donations. 3. The program(s) or documentation are not modified in any way and they are distributed together. 3 Your Contribution Please send your contribution, $10 is suggested, name, address and version number to the following: James Huckabey 3621-A Fraser Street Bellingham, WA 98226-2473 U.S.A. (206) 671-2868 (voice, Pacific) It is important that your current version number is on all correspondence. The complete archive (see ARCHIVE.TXT) may be freely copied and passed on (non-altered programs), they may be combined with other shareware programs. A Site License is available for commercial use where more than one copy is running at one time; cost is $25 and there is no limit to the number of copies in use at that site. We would also enjoy just hearing your likes and dislikes about any of our programs. We are open to suggestions on how our programs might be improved, all suggestions are evaluated. If you are having program problems, you may be running an altered and/or non-authorized version. Please send us a note along with the version number and the problem you are experiencing. Please include a self addressed stamped envelope if you expect a reply, there are no exceptions. Please give complete details, printouts, screen dumps, etc. You can make notes directly on printouts showing problems or suggestions. Thank you. DISCLAIMER In no event will the Authors be liable to you for any damages, including any lost profits, lost savings, or other incidental or consequential damages arising out of the use of or inability to use the program or unfamiliarity of the user with DOS, BASIC, BASICA/GWBASIC or BASIC compilers, even if the Author has been advised of the possibility of such damages, or for any claim by any other party. 4 SYSTEM REQUIREMENTS IBM PC or compatible, minimum of 256K RAM, 80 column screen, DOS (disk operating system), optional 80 column printer (program does display calculations on the screen, printing similar data on printer). IBM PC is a copyright trademark of International Business Machines Incorporated. WHAT THE PROGRAM DOES The program is menu driven and most instructions appear on the screen in the form of prompts. The program allows you to see and print detailed reports for yourself or clients and should be useful in home or office. The program can calculate the maturity value of a Promissory Note using starting (transaction) date and term. It also calculates late days using date of note and current date, adds interest if there are late charges All pertinent information is displayed on the screen. In all options a summary is displayed in a form of totals and in most cases, details involved can also be displayed in report format or sent to the printer. Also, in each option, pressing <ENTER> loads in previous data entered since starting program. BACKING UP THE PROGRAM As with any program that is not copy protected, never run the original copy. Make a backup using the DISKCOPY command as follows: *** WARNING, ANY INFORMATION ON THE TARGET DISKETTE IS ERASED DURING THE DISKCOPY OPERATION (use a new diskette if possible). Single drive: With your DOS disk in drive A:, type `DISKCOPY A: A:'. You are prompted to put the source disk (source being NOTES disk) in DRIVE A: and to press <ANY KEY>. Pressing any key starts the copying process. You are then prompted to insert the target diskette, which does not have to be formatted, and to press <ANY KEY>. This process is repeated until the copying is completed. Dual drives: With your DOS disk in drive A:, type in `DISKCOPY A: B:', you are prompted to insert the source diskette in drive A: and the target diskette in drive B: and press <ANY KEY>, pressing any key starts the copying process. The target diskette does not need to be formatted. 5 Either of the routines may be repeated by answering the repeat prompt with a <Y>. You may also use the wild card routine to copy the information on the diskette to another floppy or hard drive (this is the only way to install this program on a hard drive). Hard Drives: Make sure you are in the proper directory on the destination drive. Place the source diskette in drive A: and type in `COPY A:NOTES.EXE' and press <ENTER>. This is the only file required, however, the .DOC and READ-ME files are there for your instruction and may be copied using the same syntax, but they are not required for the program's execution. Whatever the process, you should have NOTES.EXE on the operational disk but remember when passing on copies of the program to others make sure you pass along all three files. 6 RUNNING THE PROGRAM Since this is a compiled BASIC program, you start it directly from DOS or start up level. The only requirement is that the program be located somewhere in your PATH statement. Type in `NOTES' and press <ENTER>, the title is displayed along with copyright data. You are prompted to press <ENTER>, the screen then displays information about the authors and contribution. If you find this program helpful and use it on a regular basis, you should pay for it. It is you, the end user, that determines what programs are good and useful. Please do not remove any of this information from the program or documentation. Leaving this information in the program assures that the next person is informed about payment, copying information and what files are included in the program package (thank you). After pressing <RETURN> a second time, screen displays: Promissory Note Menu <A> Note - Payee/Maker Note - Renew Payable <C> Note Receivable - Buy/Sell <D> From The Author <E> Exit Program Press Choice <A-E> James Huckabey software with a heart Pressing <A-E> takes you to the appropriate option, upper or lower case letters may be used, pressing <E> takes you to the termination option where you must press <Y> to terminate or you are returned to the Main Menu. ******* NOTES ******* The key buffer has been disabled on the menu, this is to help prevent going to wrong options. 7 All inputs in this program are made within bracket symbols `[ ]' whether they are number or letters. The brackets are to guide you, mainly for word entries, on remaining space available. On number entries only numbers may be entered and on those that use a decimal place, the decimal is acceptable. On entries such as names, any keyboard symbol may be entered. To edit an entry, you may use the <BACK SPACE> to erase all or part of any entry. When your entry is as you want it, the pressing of <ENTER> enters the data into the program. Once you make an entry into a option, the entries remain in memory for all returns and exits from the particular option (during the current running of the program, when you exit at data is erased), with the exception of names which are carried to all options. Upon returning to an option, the current data is displayed beneath the option heading, and all you have to do is press <ENTER> at each of the input prompts and previous data is automatically restored. The only exception to the auto-reload is that if there is a current value, the program has converted the term into days to calculate days used and days remaining. In these cases, the term must be reentered because the term and type are erased (10 Days). 8 <A> Note - Payee/Maker Press <A> from the Main Menu, screen displays (one at a time): Enter Payee's name [ ] Enter Maker's name [ ] You are returned to this screen and position after all operations in this option. You are prompted to type in Payee and then Maker's name, with the maximums being 32 characters. Both inputs have the same restrictions, they may not be left blank and must be filled the first time through. After the names are entered, the screen displays: What is the transaction date, mm-dd-yyyy [ - - ] You are prompted to type in the date using both the BASIC and DOS format 01-01-1988. The entry must contain 8 characters, the program supplies the dashes. The input must be filled the first time through and must be greater than 1979. If you are going to use the current date you can press <ENTER> to load in the current date. If you already have a date entered, to change it you must type in the new date. After the transaction date is entered, the screen displays: Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data You are prompted to choose a type of term, days, months or years. Pressing <ESC> returns you to the transaction date input position. Pressing term option, displays one of the following: How many days [ ] How many months [ ] How many years [ ] The input must be filled the first time through, cannot be less than one, days greater than 365 become 365, months greater than 12 become 12 and years greater than 50 become 50. After an acceptable entry, the program calculates the transaction date and term, screen displays: Maturity date is : 01-01-1988 What is the principal amount [ ] 9 You are prompted to type in the Principal Amount. This entry must be filled the first time through, the entry here cannot exceed $999,999 or the program beeps at you and returns you to the entry position. After the principal entry, the screen displays: Is there an interest charge? Press <Y> or <N> Pressing <N> skips the next step and erases the prompt from the screen. Pressing <Y>, the screen displays: What is the interest rate,<F2>=0 [ ] You are prompted to type in the interest. The entry may be made in decimal or whole number, the program converts all entries into decimal, both are displayed on the screen after you press <ENTER>. If you are entering interest using whole or mixed numbers (10 or 10.1) and want to input less than 1% (.01), you must use a leading zero or the number must be converted to a decimal. Interest rate must not be negative, less than .1% (.001), or greater than 100% (1.00) or the program beeps and repeats the process until input is acceptable. If you are entering 100% it must be entered as a whole number (100) since the program checks the first character for a decimal point when converting from whole number to decimal and cannot distinguish between 1.00 (100%) and 1 (1%). You may press <F2> to remove an interest rate, if this is your first interest input, pressing <ENTER> without any data is also a zero rate. After interest is entered, the input line is replaced by the following line: Interest is $ 99.99 If the maturity date is past the current system date, screen displays: Is there an interest charge? Press <Y> or <N> Pressing <N> skips the next step and erases the prompt from the screen. Pressing <Y>, the screen displays: What is the interest rate, <F2>=0 [ ] 10 You are prompted to type in the interest. The entry may be made in decimal or whole number, the program converts all entries into decimal, both are displayed on the screen after you press <ENTER>. If you are entering interest using whole or mixed numbers (10 or 10.1) and want to input less than 1% (.01), you must use a leading zero or the number must be converted to a decimal. Interest rate must not be negative, less than .1% (.001), or greater than 100% (1.00) or the program beeps and repeats the process until input is acceptable. If you are entering 100% it must be entered as a whole number (100) since the program checks the first character for a decimal point when converting from whole number to decimal and cannot distinguish between 1.00 (100%) and 1 (1%). You may press <F2> to remove an interest rate, if this is your first interest input, pressing <ENTER> without any data is also a zero rate. All late charges are converted to days for ease in calculating days expired since Maturity Date and is displayed as days both on the screen as well as printouts. After interest is entered, the input line is replaced by the following line: Interest is $ 9.99 Press =print, <S>=screen, <ENTER>=new data or <ESC>=Menu Because of the vast amount of input variances and results, the data is printed on the screen in the same format as is printed on the printer. Press to print, <S> to display data on the screen, <ENTER> to enter new/change data or <ESC> to return to the Menu. Depending on the entries, maturity date and late charges, the program displays the following data, (labeled, here, for ease in reading) is displayed along with header: (interest bearing note with late charge) Principal X Rate X Term days = Interest 999.99 X 0.0120 = 12.00% X 365 days = 119.99 Principal + Interest = Maturity Value 999.99 + 119.99 = $ 1,119.99 Maturity Value X Late Rate X Term Days = Late Charge 1,119.99 X 0.0100 = 10.00% X 12 days = $ 3.68 Maturity Value + Late Charge = Total Now Due 1,119.99 + 3.68 = $ 1123.67 -------------------> 11 This is a non-interest bearing note (with late charge) Maturity Value : Term days 999.99 : 365 days Maturity Value X Late Rate X Term Days = Late Charge 999.99 X 0.0100 = 10.00% X 12 days = $ 3.28 Maturity Value + Late Charge = Total Now Due 999.99 + 3.28 = $ 1003.27 Press to print, <ENTER> for new data or <ESC> for Menu You are prompted to press to print data, <ENTER> for new data of <ESC> for Main Menu. You may press your choice the <ENTER> option is there to allow you to change any or all data. Remember on returning to the name entry position, the pressing of <ENTER> in any input restores previous data, allowing for ease in corrections or adjustments. If you make errors during the entries, continue with the rest of your inputs and then at the printer/screen/exit prompt press <ENTER> repeatedly until you reach the entry to be corrected. When you reach the entry to be changed, just type in the new data and proceed as before. *** see Screen Displays and Printouts *** 12 Note - Renew Payable Press from the Main Menu, screen displays (one at a time): Enter Payee's name [ ] Enter Maker's name [ ] You are returned to this screen and position after all operations in this option. You are prompted to type in Payee and then Maker's name, with the maximums being 32 characters. Both inputs have the same restrictions, they may not be left blank and must be filled the first time through. After the names are entered, the screen displays: _________________ Old Promissory Note Information _______________ What is the date of the note, mm-dd-yyyy [ - - ] You are prompted to type in the date using both the BASIC and DOS format 01-01-1988. The entry must contain 8 characters, the program supplies the dashes. The input must be filled the first time through and must be greater than 1979. If you already have a date entered, to change it you must type in a new date. After the date of the note is entered, the screen displays: Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data You are prompted to choose a type of term, days, months or years. Pressing <ESC> returns you to the transaction date input position. Pressing term option, displays one of the following: How many days [ ] How many months [ ] How many years [ ] The input must be filled the first time through, cannot be less than one, days greater than 365 become 365, months greater than 12 become 12 and years greater than 50 become 50. After an acceptable entry, the program calculates the transaction date and term, screen displays: What is the principal amount [ ] 13 You are prompted to type in the Principal Amount. This entry must be filled the first time through, the entry here cannot exceed $999,999 or the program beeps at you and returns you to the entry position. After the principal entry, the screen displays: Maturity date is : 01-01-1988 Is there an interest charge? Press <Y> or <N> Pressing <N> skips the next step and erases the prompt from the screen. Pressing <Y>, the screen displays: What is the interest rate, <F2>=0 [ ] You are prompted to type in the interest. The entry may be made in decimal or whole number, the program converts all entries into decimal, both are displayed on the screen after you press <ENTER>. If you are entering interest using whole or mixed numbers (10 or 10.1) and want to input less than 1% (.01), you must use a leading zero or the number must be converted to a decimal. Interest rate must not be negative, less than .1% (.001), or greater than 100% (1.00) or the program beeps and repeats the process until input is acceptable. If you are entering 100% it must be entered as a whole number (100) since the program checks the first character for a decimal point when converting from whole number to decimal and cannot distinguish between 1.00 (100%) and 1 (1%). You may press <F2> to remove an interest rate, if this is your first interest input, pressing <ENTER> without any data is also a zero rate. After interest is entered, the input line is replaced by the following line: If the maturity date is past the current system date, screen displays: Number of days past maturity is : 10 days Is there an interest charge? Press <Y> or <N> Pressing <N> skips the next step and erases the prompt from the screen. Pressing <Y>, the screen displays: What is the interest rate, <F2>=0 [ ] 14 You are prompted to type in the interest. The entry may be made in decimal or whole number, the program converts all entries into decimal, both are displayed on the screen after you press <ENTER>. If you are entering interest using whole or mixed numbers (10 or 10.1) and want to input less than 1% (.01), you must use a leading zero or the number must be converted to a decimal. Interest rate must not be negative, less than .1% (.001), or greater than 100% (1.00) or the program beeps and repeats the process until input is acceptable. If you are entering 100% it must be entered as a whole number (100) since the program checks the first character for a decimal point when converting from whole number to decimal and cannot distinguish between 1.00 (100%) and 1 (1%). You may press <F2> to remove an interest rate, if this is your first interest input, pressing <ENTER> without any data is also a zero rate. All late charges are converted to days for ease in calculating days expired since Maturity Date and is displayed as days both on the screen as well as printouts. After interest is entered screen displays: Is previous interest to be paid now ? Press <Y> or <N> You are prompted as to whether the interest is to be paid now <Y> or added to maturity value on new note <N>. Regardless of your response the program checks to see if current date is beyond the maturity date, if so, the screen displays: Is there an interest charge? Press <Y> or <N> Pressing <N> skips the next step and erases the prompt from the screen. Pressing <Y>, the screen displays: What is the interest rate, <F2>=0 [ ] You are prompted to type in the interest. The entry may be made in decimal or whole number, the program converts all entries into decimal, both are displayed on the screen after you press <ENTER>. If you are entering interest using whole or mixed numbers (10 or 10.1) and want to input less than 1% (.01), you must use a leading zero or the number must be converted to a decimal. Interest rate must not be negative, less than .1% (.001), or greater than 100% (1.00) or the program beeps and repeats the process until input is acceptable. If you are entering 100% it must be entered as a whole number (100) since the program checks the first character for a decimal point when converting from whole number to decimal and cannot distinguish between 1.00 (100%) and 1 (1%). 15 You may press <F2> to remove an interest rate, if this is your first interest input, pressing <ENTER> without any data is also a zero rate. All late charges are converted to days for ease in calculating days expired since Maturity Date and is displayed as days both on the screen as well as printouts. After interest is entered screen displays: Are late charges to be paid now ? Press <Y> or <N> You are prompted as to whether the interest is to be paid now <Y> or added to maturity value on new note <N>. Depending on your responses, one or more of the following statements are displayed: Interest due on principal amount is $ 9.99 or Interest added to principals is $ 9.99 Late charges due on principal are $ 9.99 or Late charges added to principal are $ 9.99 These are then followed by one of the following statements: Total interest due at this time is $ 19.98 or Total interest added to principal is $ 19.98 _________________ New Promissory Note Information _______________ Principal amount is $ 999.99 or New principal amount is $ 1009.98 If there is an interest amount to be added, the new principal amount reflects this result, if no interest (due or late charges) the amount shown is the same amount shown in the original note. Is there an interest charge? Press <Y> or <N> Pressing <N> skips the next step and erases the prompt from the screen. Pressing <Y>, the screen displays: What is the interest rate, <F2>=0 [ ] 16 You are prompted to type in the interest. The entry may be made in decimal or whole number, the program converts all entries into decimal, both are displayed on the screen after you press <ENTER>. If you are entering interest using whole or mixed numbers (10 or 10.1) and want to input less than 1% (.01), you must use a leading zero or the number must be converted to a decimal. Interest rate must not be negative, less than .1% (.001), or greater than 100% (1.00) or the program beeps and repeats the process until input is acceptable. If you are entering 100% it must be entered as a whole number (100) since the program checks the first character for a decimal point when converting from whole number to decimal and cannot distinguish between 1.00 (100%) and 1 (1%). You may press <F2> to remove an interest rate, if this is your first interest input, pressing <ENTER> without any data is also a zero rate. All late charges are converted to days for ease in calculating days expired since Maturity Date and is displayed as days both on the screen as well as printouts. After interest is entered the program supplies the current date as the transaction date. Since the interest calculated is only effective on the current date and the current date is used to determining late charges, the program supplies the date. Screen displays: Transaction date is : 02-01-1988 Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data You are prompted to choose a type of term, days, months or years. Pressing <ESC> returns you to the transaction date input position. Pressing term option, displays one of the following: How many days [ ] How many months [ ] How many years [ ] The input must be filled the first time through, cannot be less than one, days greater than 365 become 365, months greater than 12 become 12 and years greater than 50 become 50. After an acceptable entry, the program calculates the transaction date and term, screen displays: Maturity date is : 05-01-1988 Press =print, <S>=screen, <ENTER>=new data or <ESC>=Menu 17 Because of the vast amount of input variances and results, the data is printed on the screen in the same format as is printed on the printer. Press to print, <S> to display data on the screen, <ENTER> to enter new/change data or <ESC> to return to the Menu. Depending on the entries, maturity date and late charges, the program displays the following data, (labeled, here, for ease in reading) is displayed along with header: The is renewed note with interest Old Note...... Principal X Rate X Term days = Interest 999.99 X 0.0120 = 12.00% X 365 days = 11.99 Principal + Interest = Maturity Value (or Current Value) 999.99 + 11.99 = $ 1,011.99 (if there is interest due at this time) Plus interest to be paid at this time : $ 11.99 (if there are late charges they are noted here) New Note...... Principal X Rate X Term days = Interest 1,011.99 X 0.0120 = 12.00% X 365 days = 12.14 Principal + Interest = Maturity Value 1,011.99 + 12.14 = $ 1,024.13 -------------------> This is renewed non-interest bearing note Old Note...... Maturity Value : Term days $ 999.99 : 365 days Plus interest to be paid at this time : $ 9.99 (if there are late charges they are noted here) New Note...... Maturity Value : Term days $ 999.99 : 365 days Press to print, <ENTER> for new data or <ESC> for Menu 18 You are prompted to press to print data, <ENTER> for new data of <ESC> for Main Menu. You may press your choice the <ENTER> option is there to allow you to change any or all data. Remember on returning to the payee name entry position, the pressing of <ENTER> in any input restores previous data, allowing for ease in corrections or adjustments. If you make errors during the entries, continue with the rest of your inputs and then at the printer/screen/exit prompt press <ENTER> repeatedly until you reach the entry to be corrected. When you reach the entry to be changed, just type in the new data and proceed as before. *** see Screen Displays and Printouts *** 19 <C> Note Receivable - Buy/Sell Press <C> from the Main Menu, screen displays (one at a time): Enter Payee's name [ ] Enter Maker's name [ ] Enter Buyer's name [ ] Enter Sellers name [ ] You are returned to this screen and position after all operations in this option. You are prompted to type in Payee, Maker, buyer and sellers names with the maximums being 32 characters. All inputs have the same restrictions, they may not be left blank and must be filled the first time through. If the Payee and Seller are the same if you just press <ENTER> the Payee's name is transferred to the Seller's name. After the names are entered, the screen displays: What is the date of the note, mm-dd-yyyy [ - - ] You are prompted to type in the date using both the BASIC and DOS format 01-01-1988. The entry must contain 8 characters, the program supplies the dashes. The input must be filled the first time through and must be greater than 1979. If you already have a date entered, to change it you must type in a new date. After the date of the note is entered, screen displays: Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data You are prompted to choose a type of term, days, months or years. Pressing <ESC> returns you to the transaction date input position. Pressing term option, displays one of the following: How many days [ ] How many months [ ] How many years [ ] The input must be filled the first time through, cannot be less than one, days greater than 365 become 365, months greater than 12 become 12 and years greater than 50 become 50. After an acceptable entry, the program calculates the transaction date and term, screen displays: What is the principal amount [ ] 20 You are prompted to type in the Principal Amount. This entry must be filled the first time through, the entry here cannot exceed $999,999 or the program beeps at you and returns you to the entry position. After the principal entry, the screen displays: Is there an interest charge? Press <Y> or <N> Pressing <N> skips the next step and erases the prompt from the screen. Pressing <Y>, the screen displays: What is the interest rate, <F2>=0 [ ] You are prompted to type in the interest. The entry may be made in decimal or whole number, the program converts all entries into decimal, both are displayed on the screen after you press <ENTER>. If you are entering interest using whole or mixed numbers (10 or 10.1) and want to input less than 1% (.01), you must use a leading zero or the number must be converted to a decimal. Interest rate must not be negative, less than .1% (.001), or greater than 100% (1.00) or the program beeps and repeats the process until input is acceptable. If you are entering 100% it must be entered as a whole number (100) since the program checks the first character for a decimal point when converting from whole number to decimal and cannot distinguish between 1.00 (100%) and 1 (1%). You may press <F2> to remove an interest rate, if this is your first interest input, pressing <ENTER> without any data is also a zero rate. After interest is entered, the input line is replaced by the following line: What is the transaction date, mm-dd-yyyy [ - - ] You are prompted to type in the date using both the BASIC and DOS format 01-01-1988. The entry must contain 8 characters, the program supplies the dashes. The input must be filled the first time through,on first time through you may press <ENTER> to load current date, after first time through, you must type in new date in order to change it. After the date of the note is entered, the screen displays: If the maturity date is past the current system date, screen displays: Number of days past maturity is : 5 days Is there an interest charge? Press <Y> or <N> 21 Pressing <N> skips the next step and erases the prompt from the screen. Pressing <Y>, the screen displays: What is the interest rate, <F2>=0 [ ] You are prompted to type in the interest. The entry may be made in decimal or whole number, the program converts all entries into decimal, both are displayed on the screen after you press <ENTER>. If you are entering interest using whole or mixed numbers (10 or 10.1) and want to input less than 1% (.01), you must use a leading zero or the number must be converted to a decimal. Interest rate must not be negative, less than .1% (.001), or greater than 100% (1.00) or the program beeps and repeats the process until input is acceptable. If you are entering 100% it must be entered as a whole number (100) since the program checks the first character for a decimal point when converting from whole number to decimal and cannot distinguish between 1.00 (100%) and 1 (1%). You may press <F2> to remove an interest rate, if this is your first interest input, pressing <ENTER> without any data is also a zero rate. All late charges are converted today's for ease in calculating days expired since Maturity Date and is displayed as days both on the screen as well as printouts. If there is still time on the note, the screen displays: Number of days expired on note is : 49 days Accumulated interest is $ 999.99 Is there a discount ? Press <Y> or <N> Pressing <N> skips the next step and erases the prompt from the screen. Pressing <Y>, the screen displays: What is the discount rate, <F2>=0 [ ] You are prompted to type in the interest to be used in the discount. The entry may be made in decimal or whole number, the program converts all entries into decimal, both are displayed on the screen after you press <ENTER>. If you are entering interest using whole or mixed numbers (10 or 10.1) and want to input less than 1% (.01), you must use a leading zero or the number must be converted to a decimal. If the note is past due, the program does not ask for a discount value and uses a heading that informs you that this is a non-discount sale (if anyone would by a past due note?). 22 Interest rate must not be negative, less than .1% (.001), or greater than 100% (1.00) or the program beeps and repeats the process until input is acceptable. If you are entering 100% it must be entered as a whole number (100) since the program checks the first character for a decimal point when converting from whole number to decimal and cannot distinguish between 1.00 (100%) and 1 (1%). You may press <F2> to remove an interest rate, if this is your first interest input, pressing <ENTER> without any data is also a zero rate. All late charges are converted to days for ease in calculating days expired since Maturity Date and is displayed as days both on the screen as well as printouts. After interest is entered, screen displays: Press =print, <S>=screen, <ENTER>=new data or <ESC>=Menu Because of the vast amount of input variances and results, the data is printed on the screen in the same format as is printed on the printer. Press to print, <S> to display data on the screen, <ENTER> to enter new/change data or <ESC> to return to the Menu. Depending on the entries, maturity date and late charges, the program displays the following data, (labeled, here, for ease in reading) is displayed along with header: (interest bearing note with late charge) Principal X Rate X Term days = Interest $999.99 X 0.0120 = 12.00% X 365 days = 119.99 Principal + Interest = Maturity Value $999.99 + 119.99 = $ 1,119.99 Maturity Value X Discount Rate X Term days = Discount $1,119.99 X 0.0100 = 10.00% X 12 days = $ 3.68 Maturity Value - Discount = Proceeds $1,119.99 - 3.68 = $ 1116.31 -------------> Non-interest bearing note Maturity Value X Discount Rate X Term days = Discount $ 999.99 X 0.0100 = 10.00% X 65 days = $ 17.80 23 Maturity Value - Discount = Proceeds $ 999.99 - 17.80 = $ 982.18 Non-interest bearing note, this is a non-discount sale(late note) Maturity Value : Term days $ 999.99 : 90 days Press to print, <ENTER> for new data or <ESC> for Menu You are prompted to press to print data, <ENTER> for new data of <ESC> for Main Menu. You may press your choice the <ENTER> option is there to allow you to change any or all data. ***** NOTE ***** If a note is past due, no discount is calculated and is handled as a non-discount note. Remember on returning to the name entry position, the pressing of <ENTER> in any input restores previous data, allowing for ease in corrections or adjustments. If you make errors during the entries, continue with the rest of your inputs and then at the printer/screen/exit prompt press <ENTER> repeatedly until you reach the entry to be corrected. When you reach the entry to be changed, just type in the new data and proceed as before. *** see Screen Displays and Printouts *** 24 <D> From The Author Press <D> from the Promissory Note Menu, screen displays: From The Author If you find this program useful, please send contribution, $10 is suggested, to the following so I can continue with updates as well as new programs. Please include version number, source of program and your diskette size. James Huckabey, 3621-A Fraser Street, Bellingham, WA 98226 If you use the program on a regular basis, please show your support for the program as well as the shareware theme. Feel free to copy and pass on non-altered copies, however no fee may be charged for the program itself. You can send me diskettes to cover two megs with return postage and $1 to receive a copy of all my current software. I would enjoy hearing from you about your likes, dislikes or suggestions on any of my programs. I am user friendly! Press <ENTER> to Continue Pressing <ENTER> returns you to the Main Menu. 25 <E> Exit The Program Press <E> from the Promissory Note Menu, screen displays: Promissory Note Program I hope you have enjoyed the program J A M E S H U C K A B E Y software with a heart Program is terminated and you are returned to DOS (system start up level). If you exit the program, all data that was entered into the program is lost, if you restart the program you must reenter previous data to see previous results. If you have a border color at DOS level other than black before starting NOTES, the border is set to black on termination. 26 Screen Displays and Printouts The program calculates all data which is then displayed on the screen or printed on the printer. The data that is printed on the screen is the same as the data that is printed on the printer. The screens may not show all data because of screen limitations but vital data is displayed. There are no prompts during the printouts, these reports are contained on one page. After choosing to print, you are prompted to set the paper in the printer to 1/2 inch below the perforation and to turn the printer off and back on. Turning the printer on and off clears all printer codes that might have been sent to the printer by previous programs, it also makes wherever the paper is positioned the new home position. Home position is the alignment position to which the paper is returned to each time the printer advances the paper to a new page (FF/form feed). This step is necessary only the first time you do a print out and is not required again during this running of the program. You are prompted to enter the number of copies that you wish to print, pressing <ENTER> uses the default of one copy, but you can print up to 9 copies at a time. While printing, screen displays: Printing n copies, please wait......... Where `n' represents the number of copies. When printing is completed, you are returned to the name input position where you may enter new data or exit from the chosen option. 27 GLOSSARY ALL INPUTS=In this program, in number inputs all numbers from 0 to 9 and the decimal point are acceptable. In inputs containing words (alphanumeric) any keyboard symbol may be entered. APOSTROPHE(S)=Used in this documentation and program as high lighting and are not required on any input. CONTROL KEYS=Pressing <F1> and <F10> perform the same function and are used for ease of operation and may be pressed for return to Main Menu from any input or prompt. The <F2> key is used in removing data from inputs that do not require data and may be left blank. The <F5> key is used for skipping or in other multiple choice prompts. DEFAULT=Preset minimum or maximum set by the program to keep inputs within the limits of the operation or to fit within number formats used on screen displays and printouts. ENTER=Pressing of the <ENTER> or <RETURN> key. The word ENTER is used in this program and documentation and may be called RETURN on your system (big blue uses the return sign). ENTRY, ENTRIES=Typing in data followed by the pressing of the <ENTER> key. INTEGER=Whole number without any decimal value, inputs requiring an integer value convert all non-integer values. PRESS=Means to press single key and does not require the pressing of the <ENTER> key. Keys to be pressed are enclosed within less than/greater than symbols < >. All <PRESS> requests may be upper or lower-case. PRESS <ENTER>=Where this is displayed, it is required to do the task to which it is requested. The <ENTER> key is also the default for `Y' (yes) or to continue without exiting. In some cases the program prompts you for either the <RETURN> or <ESC> key and is used for ease in operation. PRESS <ESC> TO EXIT=To exit an option when displayed on the screen. In some cases the program prompts you for either the <ESC> or <RETURN> key and is used for ease in operation. PROMPT=Displays on the screen upon which appropriate action must be taken. 28 THE SCREEN DISPLAYS=What is displayed on the computer screen less any decoration, all blank lines and may contain abbreviations not used in the program because of manual format. 29 Index CALCULATE..............5,8,9,13,17,20,24,27 DAY....................5,8,9,11,13-15,18,21-24 DISCOUNT...............22-24 DUE....................11,12,16,18,22,24 ERROR..................12,19,24 <F1>...................28 (not listed in manual or screen) <F2>...................10,11,14-17,21-23,28 <F5>...................28 (not listed in manual or screen) <F10>..................28 (not listed in manual or screen) INTEGER................28 (not listed in manual or screen) MONTH..................9,13,17,20 PRINCIPAL..............9,11,13,16,18,20,21,23 RATE (see interest)....10,11,12,14-18,21-23 TERM (see period)......5,8,9,11,13,16,17,18,20,23,24 TERMINATE..............7,26 USER...................2-4,7 YEAR...................9,13,17,20 ZERO...................10,11,14-17,21-23 30 James Huckabey software with a heart Date: P.O.Number: James Huckabey 3621-A Fraser Street Bellingham, WA 98226 ================================================================================ QUANTITY| DESCRIPTION | EACH | TOTAL -------------------------------------------------------------------------------- | Promissory Note Program, contribution only | 10.00 | -------------------------------------------------------------------------------- | Current version on diskette U.S. add | 2.00 | | outside of United States add | 5.00 | | Disk Size: 360[ ] 1.2[ ] 720[ ] 1.44[ ] | | -------------------------------------------------------------------------------- | Site License (allows multiple copies to be | 25.00 | | run at same location for one fee) | | -------------------------------------------------------------------------------- | | | | | | -------------------------------------------------------------------------------- SUBTOTAL | (Washington state residents please add 7.6%) SALES TAX | ============== (U.S. funds only) TOTAL | ................................................................................ FROM: NAME: ------------------------------------------------------- ADDRESS: ------------------------------------------------------- CITY: ------------------------------------------------------- STATE & ZIP: (or Country)------------------------------------------------------- ------------------------------------------------------- ------------------------------------------------------- Your current version number date ------------ --------------- (from title screen) 31