Monster Media 1993 #2/Image.iso/finance/monygrow.zip/VBHOWTO.WWO

Text File | 1993-07-29 | 16KB | 356 lines

                          FILE LIST.

 The following Files must be in the same directory:

 LWMD.EXE       -  Main Program.

 GETRICHD.WWO   -  How To Get Rich and Stay Rich Document.

 VBHOWTO.WWO    -  Instructions on how to use the programs.

 SAMPLE.WMS     -  Sample DataFile for Stocks.

 SAMPLE.WMN     -  Sample DataFile for Net Worth.

                          GENERAL INFORMATION.

 Details on any Program can be found listed below under the MENU name in
        which it resides and then by its place in that menu.

 Mouse: To use the Scroll Bar, try it right now, Click on the Top or
        Bottom Arrow to move one line.

        Click in the bar above or below the Slider and the text moves up
        one window, the Slider will move and shows position of the window
        in the Document.

        Click and hold on the Slider and drag it to any position in the
        Bar and on release of the Click Button the text corresponding
        to that position in the Document will be shown in the window.

        Click:
        On the menu buttons to activate the various programs.
        On the Down/Arrow beside Dropdown boxes to open them.
        On the Items in the Dropdown box to select them and they
        will be shown in the active area of the box, which is visible
        when the box is closed.

        DropDown boxes have pre-programmed figures in them. To use your
        own delete those in the active area and enter your own.

 KeyBoard: Use ALT+ the highlighted letter on the button you wish to
        activate.

        The TAB key is a most important key as it moves the cursor
        from one area on screen to another.

        Use the TAB key to move forward through the menus and the input
        boxes and Shift+Tab to move backwards. When on selected menu or
        item press <ENTER> to activate.

        Use ALT+Down/Arrow to open and close the dropdown boxes.
        These are the input boxes with a Down/Arrow beside them.
        Use Up or Down Arrow to select items in a selection box.

        To Scroll through the Text and Help boxes, use the PgDn and
        PgUp or Up/Arrow and Down/Arrow keys or Ctrl+Home and Ctrl+End
        keys. Always check to see if there is more information or data
        below what is shown in window.

 Command Buttons:
        [OK] means yes, complete the procedure, such as add record to
        the file.

        [Cancel] means no, do not complete the procedure.

        [Help] Will bring up help text for that particular program.

        [Calculate] Will show the calculations for the current figures
        in the active area of the Dropdown boxes. These figures have
        been pre-programmed, delete these and type in your own.
        After making changes in the input boxes be sure to re-Calculate.

        [Exit] will quit that procedure or menu and go back to the
        previous menu.

        [To Printer] will send the data or text in that program to the
        Printer.

 Table of Contents: The Text Display for 'How to Get Rich and Stay Rich'
        and 'How to Use Programs' have a table of contents. Select by
        typing first letter of subject or by Clicking on it, the program
        will then jump to it.
        If you wish to find a word then use Word Search. Word found will
        be shown in top line of screen. Type a space before words such as
        'end' as these letters are contained in longer words and would be
        shown.

 Sample.WMS: This is a sample DataFile which shows how various entries
        are made in the Investment Management program.
        Date does not show meaningful Year as I do not know your Country
        setup which allows it to be entered either first or last.

 Sample.WMN: This is a sample DataFile which shows how various entries
        are made in the Net Worth Program.

 Help:  When using Help for guidance on how to input information, the
        examples, which show the different ways of entering data, will
        be lined up with the input boxes beside them if you use PgDn.

 Numerical Data Entry: Where number only input is required the program
        will not accept letters or other characters from the keyboard,
        with the exception of the backspace and delete key to erase errors
        on that line and the Tab or <ENTER> key which completes the entry.

        When entering figures, do not include dollar($) or comma(,)
        signs, the only signs that can be used are the decimal point(.)
        and the minus(-) sign where appropriate. If figures are wider than
        the box then numbers will scroll to the left.

 Date Input: Format will depend on the Country setup on your computer.
         Will be detected automatically and shown in Entry Help.

 The name Fund/s is used throughout the Investment Management program
        and holds the Company name of the investment whether it is in
        Stocks, Bonds, Mutual Funds or any other form of investment.

 All Menu buttons have names that clearly describe the function that they
        perform.

 Experiment, you can do no harm as the program has been made as user
        friendly and foolproof as possible. With lots of error messages if
        you go wrong.

 With the aid of the examples in Help that describe how to make entries in
        the input boxes you should have no problem in getting your data
        files set up.

                       LIFETIME WEALTH MANAGEMENT MENU.

 Planning your Savings: Has pre-programmed figures in the dropdown boxes,
        you should use your own to work out what your savings should be
        to give you the income you need on retirement in a given period.

        The above is based on one deposit per year. For those who save an
        amount monthly, quarterly or semi-annually use Year button.

        The accumulated total from deposits and interest can then become
        the Annual Amount Invested in your long term Savings by pressing
        Insert.

 Planning your Retirement:
        Percentage option: Use a withdrawal of income percentage less than
        the interest/growth percentage to allow for inflation.

        Example: Inflation has been running at an average of 5% over
        the past 20 years so if one is getting a return of 20% on
        Capital and taking out 15% then one is keeping up with
        inflation as the Capital and Income are both increasing by 5%
        each year.

        Fixed Amount option: Allows a fixed cash withdrawal at the end of
        each month. Annual effective Interest/Growth rate is converted to
        equivalent monthly rate with Current Value calculated each month.

        Table shows the totals at year end of the previous 12 monthly
        transactions. If you take out more each month than is generated by
        Income/Growth table shows how many years Capital will last before
        being used up. If less is taken out the Capital would continue to
        grow forever so it stops at 50 years.

 How to Get Rich and Stay Rich: Shows how to save and where to invest for
        the greatest growth with safety of capital.

 Savings Comparisons: Not as detailed as Planning your Savings but allows
       you to compare many different investment choices on screen together.

 Find Compound Growth: Compare growth of your different investments on an
        annual compound basis. Also use for WhatIf ? comparisons.

 Payment on a Loan: Uses monthly compounding periods, for Consumer loans,
        Car Payments, Credit Card payments and other loans.

 Investment Manager: Keeps records of all your investments and net worth.

 Canadian Mortgage: Uses semi-annual compounding. Monthly principal and
        interest payments differ from American due to different compounding
        periods.

 American Mortgage: Uses monthly compounding periods.

 How to Use the Programs: This document.

 About.. : Details of Version and Author.

                          FUND MANAGEMENT MENU.

 Loading Files: Select the Drive and Directory. Only Files with the
        extension .WMS or .WMN will be shown in the File box, either
        click on the filename or type the filename with extension in the
        Textbox and click OK, file will be loaded.

 Display Data: Will show dialog box with all funds in the file. Selecting
        All Records will show details of all transactions in the file.
        Selecting a Fund will display all details, you can then select
        Current Value and enter the current price per share in the dialog
        box and Current Values will be shown.

        What is Book Value: Represents the total cost to you. For instance
        if you bought 100 shares of a stock for $10.00 each and paid $50.00
        commission, your book value for the transaction would be $1,050.00.

        If you then received a cash dividend of $100.00, the book value
        for the transaction would be -$100.00 and the Total book value
        would be $950.00.

        If you now sold the total 100 shares for $20.00 each, your
        book value for the transaction would be -$2,000.00. and your
        Total book value would read -$1,050.00.

        In Total book value a Positive figure represents a cost to you
        in cash while a Minus figure represents cash taken out by you.
        (Your Profit).

 Compare Current Values: Shows all funds in file with an input box beside
        each into which you type the current price per share. When finished
        press OK. All fund names are then displayed with the percentage of
        each from the total value in brackets and all other details.

       You can now select Graph to show the Fund Profit Indicator:

       Which is scaled to the fund with the greatest profit percentage, all
       other fund profits are shown based on this scale.
       Unfortunately as the bars consist of 16 blocks, or a block per line,
       profits for other funds will not be accurately shown because with
       DOS we cannot show part of a block. However it does give a good
       indication of profit trends.

       Use the Scroll Bar or DnArrow to show all the Fund names, these
       will line up directly below their bar on the chart.

 Add and Edit Records: See Add and Edit Records, Add Funds Menu.

 Saving Files: Select the Drive and Directory. Files with the extension
        .WMS or .WMN will be shown in the File box, double click on the
        filename under which you wish to save the file and then OK.

        If you want to save under a different filename make sure you clear
        the Textbox first and then type the new filename with the
        appropriate extension in the Textbox and click OK.

        If you forgot the name of the file in memory, check in the
        Information box and it will be shown there.

        Remember that saving a file using a Filename already on your
        disk will overwrite the one on disk with the new data.

        Always make a backup copy of important files to another
        Drive/Dir so that if the original is lost by inadvertently
        overwriting it, you have your backup to retrieve the files.

 Sort Records: Sorts on the Date. Must be in the form of the Country
       setup in your computer, with no trailing blanks.

 NetWorth: See Net Worth Menu.

                 ADD, DELETE OR CORRECT RECORDS, ADD FUNDS MENU.

 To set up a DataFile for Stocks:

        First select, from Entry Help, the transaction type as a guide.
        (Every possible type of transaction is covered).

        Press Create Fund. Type New Fund Name then OK.
        A Blank Record will be shown. Type in your data.
        Press Save Record. Your new fund and record will be saved.

        Note that the Add Record button changes to Save Record after
        creating a blank record.

        To add a record to an existing Fund. Select the Name of Fund
        in the text box, press Add Record, a blank record will be
        shown, type in data and press Save Record

        A Fund with no records will naturally show nothing in the input
        boxes. This is not a blank record and if you type data in it and
        try to save it with Correct Record it will not be saved as it
        does not exist in memory. Start over by pressing Add Record.

 Next Record, Previous Record:
        To scroll through the records. Select the Fund name and then
        press Next Record or Previous Record to see all records in that
        Fund. If there are a large number of records hold down <Enter>
        after selecting Next Record or Previous Record.

 Correct: Make corrections to the current record shown and press Correct
        and the changes will be saved. Changes made in the Fund Name will
        apply to all records with the previous name.

 Delete: Will erase the current record from the file. When all records are
        deleted, pressing Delete will then delete the Fund Name.

        Warning: Changes to Funds or Records exist only in memory at
        this point and will be lost when you exit the program. You must
        save the File to disk to have a permanent file which can be
        loaded when required.

        The extension .WMS must be used with Investment DataFiles.

                             NET WORTH MENU.

 To set up DataFile for Net Worth Statement:

        Select Edit Assets: TAB key must be used to move from line to line.

        Enter the names of your categories in sequence.

        If you want sub totals for each group, type the exact words
        Sub Total, with no value, as a category at the end the group
        and the sub totals will be automatically calculated and shown
        on the Net Worth Statement.

        Type the values beside the category names.

        Press OK to save changes. Cancel will not save changes.

        Insert Blank Line. Allows you to insert a line anywhere in the
        list where you may have forgotten a category.

        To delete a line. Erase the text and press OK and it will be
        deleted as no blank lines are allowed in the list when saved.

        Repeat the above using Edit Liabilities.

        Category names can be changed and values updated at any time.

        To have Header names for groups just type the name in the
        name category with no value.

        Although the layout of Net Worth is flexible it is best to plan
        your layout to suit your needs before making entries. After each
        entry press OK to see how it appears in the Net Worth Statement.

 Edit Assets: Add or change Category names or Values.

 Edit Liabilities: Add or change Category names or Values.

 Save File: Will save the current file in memory.

 Load File: Will load the specified file into memory.

 The extension .WMN must be used for Net Worth DataFiles.

 Your Net Worth Statement should be updated at least once a year and
 compared with the previous year's Net Worth. Save them under part of
 the year's date, as in NetDec92.WMN etc.

 See 'How to get Rich and Stay Rich' for practical examples of how to
 use the programs in building your wealth.




                                    End.