JCSM Shareware Collection 1993 November

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L O A N P M T Version 2.1 U S E R ' S G U I D E Copyright (C) 1989-1993, Data Language Systems All Rights Reserved GTDR This software is provided as-is. There are no warranties, expressed or implied. i LOANPMT Version 2.1 Table of Contents Page System Requirements...........................................1 Documentation Figures.........................................1 Introduction..................................................1 LOANPMT 2.1 Enhancements......................................2 LOANPMT Distribution Files....................................3 Quick Start...................................................3 Installing LOANPMT............................................6 Single or Dual Floppy Systems..............................6 Hard Disk Systems..........................................8 Using LOANPMT in Windows...................................9 Using LOANPMT................................................10 On-line Help..............................................10 EXITING LOANPMT...........................................11 Overlays and LOANPMT.OVR.....................................11 LIM EMS Support...........................................14 Data Entry...................................................14 Hotkeys...................................................14 Data Field Editing........................................15 Using Selection Menus.....................................16 Navigating Between Date Entry Fields......................16 Program Control Features.....................................16 Pull-down Menus..............................................18 About Menu................................................18 File Menu.................................................18 Saving Loan Data.......................................18 Loading Loan Data......................................19 Table Menu................................................21 Displaying an Amortization Table.......................22 Printing an Amortization Table.........................23 Saving an Amortization Table...........................25 Displaying a Loan Payoff Summary.......................26 Printing a Loan Payoff Summary.........................26 Saving a Loan Payoff Summary...........................27 Comparisons Menu..........................................28 Principal vs. Payments.................................28 Principal vs. Years....................................29 Principal vs. APR......................................30 Displaying a Loan Comparison Table.....................30 Printing a Loan Comparison Table.......................32 Saving a Loan Comparison Table.........................33 Settings Menu.............................................35 Selecting a Computed Field.............................35 Selecting a Duration Mode..............................35 Selecting a Currency Symbol............................36 Selecting a Date Format................................37 Data Entry Fields............................................38 Loan Company..............................................38 Borrower..................................................38 Comment...................................................38 Payment schedule..........................................38 Loan principal............................................39 ii Additional Loan Costs.....................................39 Loan Points Charged.......................................39 Deferred Principal........................................39 Annual Percentage Rate (%)................................39 Duration of Loan..........................................40 Number of Payments Already Made...........................40 Payment...................................................40 Date of First Payment.....................................40 No Solution..................................................41 Loan Payoff Data Entry Verification..........................42 LOANPMT Initialization File (LPMTINIT.PMT)...................42 Program History..............................................43 Program Enhancement Requests (How to Receive a Free Program Upgrade)......................45 Reporting LOANPMT Bugs (How to Receive a Free Program Upgrade)......................46 Software License.............................................47 User Support.................................................48 A note about SHAREWARE.......................................48 Disclaimer...................................................49 Other Data Language Systems SHAREWARE Programs...............50 User Registration Form.......................................52 Invoice......................................................53 APPENDIX A - LOANPMT Figures Figure 1, The LOANPMT Screen................................A-1 Figure 2, LOANPMT Help Window...............................A-1 Figure 3, The Exit Pull-down Menu...........................A-2 Figure 4, Fatal Overlay Error Message.......................A-2 Figure 5, Overlay Manager Error Message.....................A-3 Figure 6, LOANPMT Status Line...............................A-3 Figure 7, LOANPMT Pull-down Menu Bar........................A-3 Figure 8, The ABOUT Pull-down Menu..........................A-4 Figure 9, The FILE Pull-down Menu...........................A-4 Figure 10, The SAVE Dialog Box..............................A-4 Figure 11, The LOAD Dialog Box..............................A-4 Figure 12, The LOAD File Menu Window........................A-5 Figure 13, The TABLE Pull-down Menu (Amortization Mode).....A-5 Figure 14, The TABLE Pull-down Menu (Payoff Mode)...........A-5 Figure 15, The No Amortization Table Available Error........A-6 Figure 16, The Amortization Table Year Selection Menu.......A-6 Figure 17, The Amortization Table Display Window............A-7 Figure 18, The Amortization Table Printer Port Selection Menu...................................A-7 Figure 19, The Printer Error Message Window.................A-8 Figure 20, The Cancel Printing Window.......................A-8 Figure 21, The Save Amortization Table Dialog Box...........A-8 Figure 22, The Loan Payoff Summary Window...................A-9 Figure 23, The Payoff Summary Printer Port Selection Menu...A-9 Figure 24, The Save Loan Payoff Summary Dialog Box.........A-10 Figure 25, The COMPARISONS Pull-down Menu (Duration Mode = Payments)......................A-10 iii Figure 26, The COMPARISONS Pull-down Menu (Duration Mode = Years).........................A-10 Figure 27, The Principal vs. Payments Increments Dialog Box...........................A-10 Figure 28, The Principal vs. Years Increments Dialog Box...........................A-11 Figure 29, The Principal vs. APR Increments Dialog Box...........................A-11 Figure 30, The Comparison Table Output Selection Menu......A-11 Figure 31, The Comparison Table Display Window.............A-12 Figure 32, The Comparison Table Printer Port Selection Menu.....................A-12 Figure 33, The SAVE Comparison Table Dialog Box............A-13 Figure 34, The SETTINGS Pull-down Menu.....................A-13 Figure 35, The Computed Field Selection Menu...............A-13 Figure 36, The Duration Mode Selection Menu................A-14 Figure 37, The Currency Symbol Dialog Box..................A-14 Figure 38, The Date Format Selection Menu..................A-14 Figure 39, The Loan Payment Schedule Selection Menu........A-15 Figure 40, "NO SOLUTION" for the Computed Field............A-15 Figure 41, "NO SOLUTION" Hint for the Computed Field.......A-16 1 You may want to dispense with all the details, and get up and running LoanPmt as quickly as possible. If so, skip forward to the section titled "QUICK START" in this manual. SYSTEM REQUIREMENTS To use LoanPmt you must have at least the following: IBM PC, XT, AT, PS/1, PS/2 or a 100% compatible computer. 137K of free RAM. IBM-DOS or MS-DOS Version 2.0 or higher. One floppy diskette drive (min.), hard disk (optional). Monochrome monitor. Optional hardware, etc. supported: Color monitor - full color displays are provided for color monitors. Printer - up to three printers (LPT1 (PRN), LPT2, and LPT3) are supported. LIM EMS RAM - if detected, LoanPmt will load the overlay file LOANPMT.OVR into EMS. Numeric coprocessor - if a numeric coprocessor (such as the 8087, 80287, 80387, etc.) is detected, LoanPmt will use it for all floating point calculations. Mouse - full mouse support is provided. Windows compatible - An icon is provided for use in Microsoft Windows. IBM, IBM-DOS, PC, XT, AT, PS/1, and PS/2 are registered trademarks of the International Business Machines Corporation. MS-DOS and Windows are registered trademarks of Microsoft Inc. DOCUMENTATION FIGURES The figures referred throughout this manual are contained in Appendix A of the printed manual. They are also contained in the file APPENDXA.TXT on the distribution disk. This file contains extended ASCII graphics characters. Some printers will not print these characters. Make sure your printer can print these characters before printing this file. Since your CRT can display these characters, the file also can be viewed using the DOS command TYPE | MORE, an ASCII text editor, browse programs, etc. INTRODUCTION LoanPmt is a multi-functional loan calculation program. Via a pull-down menu, principal, APR, term (duration), payment, loan payoff, or deferred principal can be separately computed. 2 The selected computed field is updated (recomputed) immediately after any of the other loan parameters are entered. Additional loan costs and loan points can optionally be added to the principal. Amortization tables showing actual payment dates and loan payoff summaries can be printed, displayed, or saved to disk for all loans computed. Loan information can be saved to or loaded from disk. Loan comparison tables can be displayed, printed, or saved. LoanPmt also supports international currency symbols and date formats. User-defined loan parameters, currency symbol, and date format can be saved in an initialization file. If you are using LoanPmt as a loan planning tool, then keep the following in mind. For various reasons the results of the program can vary from the actual amounts that may be charged by different lenders. There can be other hidden costs and different accounting practices (most usually allowed by U.S. law) that can be used. This program assumes a straight-forward approach, and allows for costs and points to be added. Only a loan institution can tell you what the actual costs, payment, etc. for a given loan from them will be. Therefore, always consult with your loan agency for the actual amount that you will be charged for a given loan. The right time to ask questions and demand explanations is before you sign anything. This is especially true if a loan agency tries to charge you a higher payment than what was computed with this program. By U.S. law (the federal truth in lending act), you are entitled to a full explanation of all loan costs, etc. VERSION 2.1 ENHANCEMENTS Version 2.1 provides many enhancements over Version 2.0x. These include: 1. Improved file load menu (drive names added). 2. Deferred principal added as a computed field. 3. Computed field name is highlighted. 4. Single years can be selected for printing an amortization table. 5. Error trapping has been improved. Non-critical errors cause NO SOLUTION to be displayed in the computed field so the cursor can be moved to the next input field. 6. Currency symbol bug in payoff mode fixed. 7. Erratic initial payment dates bug in DISPLAY mode fixed. 8. Fixed bug that caused deferred principal interest not to be added when computed field is Duration. 9. Fixed bug that caused UAE in Windows on some PC's when NOEMS switch used with EMM386.EXE. 10. Invalid payment dates bug when semimonthly payments selected and initial payment date is the 30th of a 31- day month fixed. 3 11. Mouse pointer display problem with Microsoft mouse driver V8.2 (distributed with Windows) fixed. LoanPmt DISTRIBUTION FILES Distribution disks obtained directly from Data Language Systems are not archived. We ship LoanPmt on either two (2) 5.25" 360K disks or one (1) 3.5" 720K disk. The README.TXT file on our disks lists the files contained on each disk. Disks obtained from other authorized distribution sources will probably be archived. The following files are contained on authorized LoanPmt distribution disks: LOANPMT.EXE - Executable LoanPmt program. LOANPMT.OVR - LoanPmt program overlay files. LOANPMT.TXT - Documentation for the LoanPmt program. LOANPMT.ICO - LoanPmt Windows ICON. APPENDXA.TXT - Appendix A, documentation figures. INVOICE.TXT - Registration & Invoice forms. QKSTART.TXT - QUICK START documentation. LPMTINIT.PMT - LoanPmt initialization file. EXAMPLE1.PMT - Loan payment file example #1. EXAMPLE1.AMR - Loan amortization table file example #1. README.TXT - Start-up instructions, etc. README.BAT - Batch file to type out README.TXT. If you do not have all the files listed, you have an unauthorized copy of LoanPmt. To receive an authorized diskette with the latest version of all the distribution files, you may order one directly from Data Language Systems. Send $5.00 (US funds only DRAWN ON A U.S. or Canadian BANK) plus shipping and handling ($3.50 for shipments to U.S., $4.50 to Canada and Mexico, or $6.00 to all other locations). Simply fill out and mail the Invoice in this manual or in the file INVOICE.TXT. If you wish to use MasterCard or Visa, you may call Data Language Systems at the phone number listed on the Invoice or contact us at CompuServe 72331,240. QUICK START This section is for the LoanPmt user who doesn't want to initially wade through all the program documentation. The experienced PC user will find LoanPmt very intuitive and thus very easy to learn and use. It is likely that most users will only need to read this section and use the on-line help (F1) to become proficient using LoanPmt. If you will be running the program from floppy disk, we recommend copying the program files LOANPMT.EXE and LOANPMT.OVR to another floppy disk. Always run the program from a diskette 4 other than the distribution disk. This preserves the original files in case something goes wrong with the working copies. To run the program from a hard drive, we recommend copying the LoanPmt files to a directory named \LPMT, but any name of your choice will work. If you are upgrading from a previous version of LoanPmt, you can simply copy the new version over the older version. If you want to keep the older version on your hard disk you must create a new directory to install this version into (i.e., \LPMT20, etc.). For further help setting up the program, see the section titled "Installing LoanPmt" in the manual. Although LoanPmt is a DOS application, it can run in Microsoft Windows. See the section titled "Using LoanPmt in Windows" for instructions on how to setup LoanPmt to run in Windows 3.x. LoanPmt uses program overlay files. Program overlay code is loaded into RAM only when it is needed by LoanPmt. The program uses this technique to conserve precious RAM. This leaves more RAM available to LoanPmt for such things as displaying help pages, amortization tables, and loan comparison tables. There is one drawback to using program overlay files. It substantially degrades the performance of the program if it is running from floppy disk. To offset this drawback, LoanPmt can load the overlay files into expanded memory (EMS, not extended memory, XMS) whenever it is found. There is NO program degradation when the overlay files use EMS. Running LoanPmt from a hard disk without EMS will barely degrade its performance. See the section titled "Overlays and LOANPMT.OVR" in the manual for more information. To run LoanPmt, LoanPmt's drive and directory must be selected or they must be in the computer's path. At the DOS prompt, type LOANPMT and press ENTER. The overlay manager will initialize and the data entry screen will appear. To exit the program and return to DOS, simply pull down the Exit menu and select Yes. This can be accomplished many ways. The easiest way is to press the "Alt" and "X" keys simultaneously to pull down the menu. Then press the "Y" key to select Yes. If you have a mouse, left-click on "Exit" in the menu bar, and then left-click on "Yes" in the pull-down menu. Use ENTER, TAB, SHIFT TAB, UP ARROW, or DOWN ARROW keys to move between LoanPmt's data entry fields. If you have a mouse, you also can make your selections by left-clicking on them. Then, simply enter the appropriate value in each field, menu, etc. Each LoanPmt pull-down menu option and data field also can be selected by using its hotkey. Each item's hotkey is the 5 highlighted character that appears in its name. To use a hotkey, press the Alt key and the hotkey simultaneously. The currently selected compute field is highlighted and its name is displayed near the upper left area of the screen. LoanPmt recomputes and updates the selected field each time new data is entered at any other field. To change the computed field, pull down the Settings menu by pressing Alt+G (or left- click the mouse on "Settings"). Next, select "Computed field" from the pull-down menu, and then select a new compute field from the pop-up menu. The loan data currently on the screen can be saved to disk. To save loan data, pull down the File menu by pressing the "Alt" and "I" keys simultaneously (or left-click on "File" with the mouse). Next, select "Save" from the pull-down menu. A dialog box will appear to accept a filename for the data file. LoanPmt supplies its own file extension of ".PMT" for data files. (Note: The F2 key is a shortcut key for saving loan data.) Previously saved loan data files can be reloaded. To load loan data, pull down the File menu by pressing the "Alt" and "I" keys simultaneously (or left-click on "File" with the mouse). Next, select "Load" from the pull-down menu. A dialog box will appear. Key in a known filename or enter wildcards to access a file selection menu. A sample loan data file named EXAMPLE1.PMT is on the distribution disk. Place the distribution disk in drive A, key in A:* in the dialog box, and press ENTER to see a selection menu. (NOTE: The F3 key is a shortcut key for loading loan data.) Amortization tables (or loan payoffs, if Payoff is the computed field) can be displayed, printed, or saved. Press Alt+L (or left-click "Table" with the mouse) to pull down the Table menu. Then select the type of output from the pull-down menu. Finally, enter or select the appropriate items in the resulting pop-up menu. Results saved to disk are ASCII (text) files and can be edited and printed the same as any ASCII file. Loan comparison tables can be displayed, printed, or saved. A loan comparison table's initial values are taken from the currently entered loan data. Comparison tables can be constructed using two different methods. One method shows the incremental effects of both loan principal and the number of payments. The second method shows the incremental effects of both loan principal and annual interest rate (APR). To create a loan comparison table, press Alt+A (or left-click the mouse on "Comparisons") to pull down the Comparisons menu. Next select the comparison method from the pull-down menu; principal vs. payments (or years) or principal vs. APR. In the next pop-up dialog box, enter the incremental values for the two loan parameters displayed and press ENTER (or double-click the mouse in either field). From the next pop-up menu select display, 6 print, or save. Depending on this selection, enter or select the appropriate items in the resulting pop-up menu. LoanPmt uses the file LPMTINIT.PMT to initialize each time it is started. If the file is not found, LoanPmt initializes to predefined defaults. Since this file is a standard LoanPmt .PMT file, its contents can be edited to contain user-defined defaults. Along with the loan data fields, currency symbol, and the date format are saved to the file. To change its contents, load it and make the changes to LoanPmt's screen you want as your user-defined defaults. Finally re-save it as LPMTINIT and answer "Yes" to overwrite the previous version of the file. All these topics, and more, are covered in greater detail within the manual. See the table of contents to locate the appropriate item. INSTALLING LoanPmt LoanPmt distribution disks shipped directly from Data Language Systems are not archived. Many other Shareware sources, especially bulletin boards, archive files to save space on disks, etc. If you received LoanPmt in an archived file, be sure to unarchive it according to the instructions that should have been provided by the distributor. If you do not have all the files listed in the LoanPmt Distribution Files section, then you have an unauthorized copy of LoanPmt. To receive an authorized diskette with the latest version of all the distribution files, you may order one directly from Data Language Systems. Send $5.00 (US funds only, DRAWN ON A U.S. or Canadian BANK) plus shipping and handling ($3.50 for shipments to U.S., $4.50 to Canada and Mexico, or $6.00 to all other locations). Simply fill out and mail the Invoice in this manual or in the file INVOICE.TXT. If you wish to use MasterCard or Visa, you may call Data Language Systems at the phone number listed on the Invoice or contact us at CompuServe 72331,240. INSTALLING LoanPmt ON A SINGLE OR DUAL-FLOPPY SYSTEM: Although performance will suffer, LoanPmt can run on a single or dual-floppy drive PC. First, create a bootable (system) disk from a new diskette. Then you must copy LoanPmt files from the distribution disk to it. Make sure your computer is booted up as described in your DOS manual and the DOS prompt is displayed. 1. Insert your DOS system disk into drive A, and issue the command: FORMAT B:/S 7 If you have a dual-drive system, place a new (blank) diskette into drive B, and press ENTER when prompted to do so on the screen. If you have a single-drive system, insert a new diskette into the drive when you are prompted to "insert new disk for drive B." After you have removed your system disk and the new disk is in the drive, press ENTER. Follow any instructions that may appear on the screen. When the format is complete, the new disk will be formatted and it also will contain a copy of the operating system (DOS). Your computer can now be booted from this disk. Note If you prefer to use a disk formatter other than the one on the DOS disk, be sure to consult its documentation. If it cannot put the system files on the diskette, you must place the DOS disk into drive A and issue the following commands: SYS B: COPY COMMAND.COM B: Label the new disk: LoanPmt Ver 2.1 SYSTEM DISK 2. Place the disk with the LoanPmt distribution files on it into drive A. If you have a dual-drive system, place the new LoanPmt SYSTEM DISK into drive B. Now issue the command at the DOS prompt: COPY A:LOANPMT.EXE B: For a single-disk system, follow the prompts that appear on the screen. Keep in mind that the "disk for drive A" is the LoanPmt distribution disk, and the "disk for drive B" is the LoanPmt SYSTEM DISK. When the DOS prompt reappears, continue by issuing the following command with the distribution disk in drive A: COPY A:LOANPMT.OVR B: Again, single-drive users should proceed as described above, while dual-drive users must continue with the LoanPmt SYSTEM DISK in drive B. When the DOS prompt reappears, continue by issuing the following command with the distribution disk in drive A: COPY A:LPMTINIT.PMT B: 8 Again, single-drive users should proceed as described above, while dual-drive users must continue with the LoanPmt SYSTEM DISK in drive B. NOTE: It is recommended, but not required, that you copy the example files on the LoanPmt distribution disk to the LoanPmt SYSTEM DISK. To do so, single-drive and dual-drive users should proceed as described above and issue the following command: COPY A:EXAMPLE1.* B: The diskette labeled LoanPmt Ver 2.1 SYSTEM DISK is now a bootable disk that contains the necessary files to run LoanPmt. INSTALLING LoanPmt ONTO A HARD DISK SYSTEM: The best performance of LoanPmt is achieved when it is run on a hard disk. First you must create a subdirectory named LPMT (or whatever else you choose). Then you must copy the necessary files from the LoanPmt distribution disk into this subdirectory. 1. If you are upgrading from a previous version of LoanPmt, and already have a subdirectory named LPMT (or another name), you can simply copy the new version over the older version. If this is the case, skip to step #2. But, if you want to keep the older version on your hard disk you must create a new directory (i.e., \LPMT20, etc.) to install this version into. If your hard disk is configured as drive C, use the following commands at the DOS prompt. If you are using a different directory than \LPMT, substitute its name wherever \LPMT appears below: C: CD C:\ MKDIR \LPMT CD \LPMT 2. Now place the disk with the LoanPmt distribution files on it into drive A and issue the command (if you are using a different directory than \LPMT, substitute its name wherever \LPMT appears below): COPY A:*.* C:\LPMT NOTE: If you do not wish to copy all the distribution files onto your hard disk, the following commands will copy the minimum number of files required to run LoanPmt: COPY A:LOANPMT.EXE C:\LPMT COPY A:LOANPMT.OVR C:\LPMT 9 COPY A:LPMTINIT.PMT C:\LPMT (If you have Windows: COPY A:LOANPMT.ICO C:\LPMT) It is also recommended, but not required, that you copy the example files to the hard disk by issuing the following command: COPY A:EXAMPLE1.* C:\LPMT All the LoanPmt files should now be in the directory C:\LPMT (or other subdirectory of your choice), and you should now be ready to run the LoanPmt program. If you issue the DOS command: DIR C:\LPMT all the files you installed will be listed if the installation of LoanPmt is successful. USING LoanPmt IN WINDOWS: Although LoanPmt is a DOS application, it can run in Microsoft Windows. The following instructions describe how to setup LoanPmt to run in Windows 3.x. 1. Install LoanPmt onto your hard disk as described in the previous section. Start Windows and open the program group you wish to run LoanPmt from. 2. From the Program Manager menu, pull down the File menu and select NEW. 3. The "New Program Object" dialog box will pop up. Select "Program Item" and press the OK button. 4. The "Program Item Properties" dialog box will pop up. Type in "LoanPmt" for DESCRIPTION. Press TAB and for COMMAND LINE type "C:\LPMT\LOANPMT.EXE". (If you installed LoanPmt on a different drive or directory, substitute as required in the command line.) 5. Press the CHANGE ICON button. In the "Select Icon" dialog box type "C:\LPMT\LOANPMT.ICO". (If you installed LoanPmt on a different drive or directory, substitute as required.) Now press the OK button to return to the "Program Items Properties" dialog box. 6. Now press OK in the "Program Items Properties" dialog box and you will be returned to the Program Manager with the LoanPmt icon now displaying. 7. To run LoanPmt, simply double click on its icon. 10 USING LoanPmt To use LoanPmt, be sure the files LOANPMT.EXE and LOANPMT.OVR are on the disk of the assigned drive, and that they are in the current directory or path. Then, at the DOS prompt, type LOANPMT and press the ENTER key. The program will start execution and the LoanPmt screen will appear (see Figure 1). ON-LINE HELP At any point in the LoanPmt program, on-line context- sensitive help can be obtained by pressing the F1 key. If you have a mouse, left-clicking the mouse on F1=Help in the top line of the screen is the same as pressing F1 (see Figure 2). From within any help screen, pressing F1 again will give another help screen describing all the line editing features supported during data entry. As labeled in figure 2, each help window contains the following elements: Close box - left-click the mouse on the close box (or press the ESC key) to close the help window. Home icon - left-click the mouse on the home icon (or press the HOME key) to page to the beginning of the help information in the window. End icon - left-click the mouse on the end icon (or press the END key) to page to the end of the help information in the window. Up arrow icon - left click the mouse on the up arrow icon (or press the up arrow key) to move the information in the help window up one line. Down arrow icon - left-click the mouse on the down arrow icon (or press the down arrow key) to move the information in the help window down one line. Page up area - left-click the mouse in the page up area (or press the PAGE UP key) to move the information in the help window up one window full of lines. Page down area - left-click the mouse in the page down area (or press the PAGE DOWN key) to move the information in the help window down one window full of lines. Location marker - the location marker shows the relative position of the information displayed to the total amount of information available for 11 display within the window. Whenever the location marker is at the top of the scroll bar, the displayed information is at its beginning. If the marker is near the middle of the scroll bar, the displayed information is near its midpoint. Whenever the marker is at the bottom of the scroll bar, you are at the end of the available information. EXITING LoanPmt To exit LoanPmt and return to DOS, press Alt+X or press the ESC key until the exit menu pulls down (see Figure 3). If you have a mouse, left-click it on "Exit" in the menu bar to pull down the exit menu. Press Y or left-click the mouse on YES to quit and return to DOS. Press N or left-click the mouse on NO to return to LoanPmt. When LoanPmt returns to DOS, it redisplays the screen that was present just before LoanPmt started executing. Overlays and LOANPMT.OVR Many of LoanPmt's functions are contained in the program overlay file LOANPMT.OVR. An overlay file simply contains portions of the program's executable program code. The executable code in the overlay file is loaded into RAM only when it is needed by LoanPmt. The program uses this technique to conserve RAM. This leaves more RAM available to LoanPmt for such things as displaying help pages, amortization tables, and loan comparison tables. There is one drawback to using program overlay files. It substantially degrades the performance of the program if it is running from floppy disk. To offset this drawback, LoanPmt can load the overlay files into expanded memory (EMS, not extended memory, XMS) whenever it is found. If your PC has extended memory (XMS), it can be configured to simulate expanded memory (EMS). For example, DOS 5.0's expanded memory manager EMM386.EXE can accomplish this. There also are other third party software programs that can be used. There is NO program degradation when the overlay files use EMS. On the other hand, running LoanPmt from a hard disk without EMS will barely degrade its performance. You should install both LOANPMT.EXE and LOANPMT.OVR as described in the INSTALLING LoanPmt section in this manual. When the program is started and the overlay manager properly initializes, one of the following three messages will appear at the bottom of the initial LoanPmt screen (see Figure 1). 12 1. Overlay manager initialized to disk! No EMS RAM was detected and the overlay manager has been successfully initialized to disk. 2. LOANPMT.OVR loaded to EMS. EMS RAM was detected, LOANPMT.OVR was loaded to EMS, and the overlay manager has been successfully initialized to EMS. 3. Overlay EMS init failed, but DISK init OK! EMS RAM was detected, but failed to initialize. The overlay manager was then successfully initialized to disk. If you receive any of the three messages shown, the overlay manager has successfully initialized and the overlay's functions will be available in LoanPmt. If the overlay manager fails to initialize, any of the following four error messages can appear in a fatal error message window on the initial LoanPmt screen (see Figure 4). 1. OVERLAY MANAGER ERROR (LOANPMT.OVR unavail)! This error most usually means that LOANPMT.OVR probably exists, but is invalid or corrupted. If this happens, you must reinstall LOANPMT.OVR from the distribution disk. 2. FILE: LOANPMT.OVR not found! LOANPMT.OVR was not found in the current directory or path. It must be installed in the same directory (or path) as LOANPMT.EXE to access any of the overlay's functions. 3. Not enough memory for Overlay files! Your computer does not have enough free RAM to initialize the overlay manager. Your system must have as much free memory as listed in the Systems Requirements section of this manual to initialize the overlay manager. Normally this error means many Terminate and Stay Routines (TSRs) are loaded in RAM. To free up enough memory, you may have to reduce the number of TSRs loaded. 4. OVERLAY I/O ERROR (LOANPMT.OVR unavail)! An I/O error has occurred while LOANPMT.OVR was being loaded. This error can mean anything from a harmless 13 glitch (such as removing the floppy from the drive before LOANPMT.OVR has finished loading) to a fatal hardware failure (such as a bad disk sector in the LOANPMT.OVR file or even disk drive failure). The following message also will appear with the fatal error message: The LoanPmt overlay manager has failed initialization. LoanPmt cannot run without the overlay manager. Refer to the "Overlay Manager" section in the LoanPmt manual for help in resolving this error. <Press any key or left-click the mouse to terminate LoanPmt> As stated in the fatal error message, LoanPmt cannot run without the overlay manager. At this point, press any key or left-click the mouse to terminate LoanPmt. While LoanPmt executes, the overlay manager is constantly loading program code into RAM as it is required. If the overlay manager fails to find the overlay file during one of its requests for code, LoanPmt will display the Overlay Manager Error message window (see Figure 5). The following error message also will display at the bottom of the screen. LOANPMT.OVR not found! Requested program function UNAVAILABLE! The second line in the error message window is the specific error encountered (i.e., "Drive not ready!", "File not found!", etc.). The third line will display one of the following: Overlay Manager not initialized! or Overlay Manager was initialized, but LOANPMT.OVR not found! The following is displayed in the bottom half of the error message window: LoanPmt cannot run without the file LOANPMT.OVR. Refer to the "Overlay Manager" section in the LoanPmt manual for help in resolving this error. If you can fix this error, select "CONTINUE". Otherwise, select "QUIT" to terminate LoanPmt and return to DOS. At the bottom of the window will be two push buttons; "CONTINUE" and "QUIT". Press the "C" key to select continue or the "Q" key to select quit. If you have a mouse, left-click it on the push- button you want to select. This error is most common on a single or dual-floppy disk drive system. The program starts correctly (i.e., the overlay manager initializes and an overlay error message is not received 14 at the initial LoanPmt screen), but the floppy disk containing LOANPMT.OVR has been removed. Consequently, the overlay manager cannot load information from the file LOANPMT.OVR. LoanPmt detects the error, and the Overlay Manager Error window is displayed. If this is the cause for the Overlay Manager Error, simply insert a floppy diskette containing LOANPMT.OVR into the assigned drive and select "CONTINUE." If this corrects the error, LoanPmt will successfully continue. If not, the Overlay Manager Error window will immediately return. If you are running LoanPmt from a hard disk, this error usually means the copy of LOANPMT.OVR on the disk has become corrupted. Reinstalling LOANPMT.OVR should solve the problem. Be wary though, this can be an omen of worse problems to come. Your disk may have developed a bad sector. If you have disk utilities such as Mace or Norton, you should run a disk diagnostic program and check for disk errors, lost chains, etc. Many disk problems can be corrected by a good disk utility. LIM EMS SUPPORT LoanPmt supports both current releases (3.2 and 4.0) of the Lotus/Intel/Microsoft Expanded Memory Specification (LIM EMS). When sufficient EMS RAM is available, LoanPmt will load the file LOANPMT.OVR into EMS memory. Once loaded into EMS, the disk file LOANPMT.OVR is closed and all subsequent calls by LoanPmt for overlay program functions will be made to the overlay copy in EMS. Thus, all overlay program functions will be performed as fast in-memory transfers instead of slower disk to RAM transfers. If you have EMS and the overlay is successfully initialized into EMS by LoanPmt, the following message will appear at the bottom of the initial LoanPmt screen: LOANPMT.OVR loaded to EMS. If the EMS initialization fails, the program will attempt to initialize the overlay manager to the disk file as previously described. DATA ENTRY HOTKEYS Throughout the LoanPmt screen you will notice one character of the pull-down menu and data field names is highlighted. This highlighted character is the hotkey for that particular item. By holding down the Alt key and then pressing an item's hotkey, that item becomes selected. For example, the hotkey for the Exit pull-down menu is the character X, thus it can be pulled down by pressing ALT+X. Of course if you have a mouse, you can move directly to a field or pull-down menu by left-clicking on the desired item. 15 DATA FIELD EDITING At data entry fields of the program that require keying in alphanumeric or numeric data, your entry can be edited for corrections, etc. by using the following keys: HOME or Ctrl+QS: Moves the cursor to the first character in the field. END or Ctrl+QD: Moves the cursor beyond the last character in the field, or, if the field is full, places the cursor on the last character in the field. RIGHT ARROW or Ctrl+D: Moves the cursor one character right in the field. LEFT ARROW or Ctrl+S: Moves the cursor one character left in the field. Ctrl+RIGHT ARROW or Ctrl+F: Moves the cursor one word right in the field. Ctrl+LEFT ARROW or Ctrl+A: Moves the cursor one word left in the field. INSERT or Ctrl+V: Toggles between insert and overwrite mode. The current mode is highlighted in the status line at the very top of the screen. Insert mode inserts a character before the character at the cursor. Overwrite mode overwrites the character at the cursor with the character keyed in. If you have a mouse, you can left-click it on the desired mode in the status line. DELETE or Ctrl+G: Deletes the character at the cursor's location. LEFT BACKSPACE: If the cursor is not under the first character in a field, then pressing this key will delete the first character to the left of the cursor. Ctrl+Y: Deletes the contents of the field containing the cursor. Ctrl+QY: Deletes characters from the cursor's location to the end of the line. 16 USING SELECTION MENUS In all menus that utilize a highlighted bar menu, use the Arrow keys to move the highlighted bar. Each item in a menu has a hotkey (highlighted character). The highlighted bar also can be moved to an item by pressing its hotkey. Note, unlike field and pull-down menu hotkeys, do not use the Alt key in combination with a menu item's hotkey to move the highlighted bar. Once a menu item is highlighted, it is selected by pressing the ENTER key or pressing its hotkey. If you have a mouse, left-click the mouse on a menu item to move the highlighted bar to that item. To select a highlighted item with the mouse, you must left-click on it. To quit a menu, press the ESC key. If you have a mouse, left-click it anywhere outside the boundaries of the menu or on ESC=Quit in the top line of the screen to quit the menu. NAVIGATING BETWEEN DATA ENTRY FIELDS To move between data entry fields within the data entry screen, the following keys can be used: ENTER, TAB or DOWN ARROW: Enters the current field into the program and moves the cursor to the next field. NOTE: Double-clicking the left mouse button on a field's data is equivalent to pressing the ENTER key. UP ARROW or SHIFT TAB: Enters the current field into the program and moves the cursor to the previous field. And, of course, you can use hotkeys as described above. PROGRAM CONTROL FEATURES Many program control features are built into this program. The status line at the top of the screen shows most of these features (see Figure 6). The following keys control the status line features, and these features are always available in any data entry field (i.e., whenever the program is waiting for the entry of "ANY" data): F1 - displays a help screen that is most appropriate for the present location in the program. When you are in a help screen, pressing F1 again will present a help screen about the line edit features available during data entry. Press ESC to exit from the help screen(s) and return to the program where help was initially entered. If you have a mouse, you can left-click on F1=Help in the status line to display help. Left-click on ESC=Quit or the help window's close box to exit. 17 F10 - Press F10 to access the Pull-down Menus. The mouse can be left-clicked on F10=Menu to press F10. INSERT - As explained in the Data Entry section, pressing the INSERT key toggles between INSERT and OVERWRITE mode for data entry. The highlighted item is the feature that is currently active. If you have a mouse, you can left- click it on the desired mode in the status line. ESC - Pressing the ESC key backs out of (quits) any feature in the program (i.e., help screens, menus, etc.). In any data entry field, pressing ESC will cause the Exit menu to pull down. Press Y to quit and return to DOS, or N to return to LoanPmt. If you have a mouse, you can left-click on ESC=Quit in the status line to press ESC. CAPS LOCK - When the Caps Lock key is depressed and caps lock is in effect from the keyboard, CAPS is displayed in highlight in the status line. When caps lock is active, all alphabetic characters are entered from the keyboard are entered as upper-case characters. NUM LOCK - When the Num Lock key is depressed and num lock is in effect from the keyboard, NUM is displayed in highlight in the status line. When num lock is active, numbers can be entered from the numeric keypad. Otherwise, the special functions HOME, END, INS, etc. can be entered. SCROLL LOCK - When the Scroll Lock key is depressed and scroll lock is in effect, SCROLL is displayed in highlight in the status line. Scroll lock does not affect the operation of this program. Program action key commands are displayed at the bottom of the screen whenever they are active (see Figures 1 & 40). They are: F2 - Press F2 to save the current loan parameters to disk. See the section titled "Saving Loan Data" in this manual for further instructions on how to save loan data. The mouse can be left-clicked on this command to press F2. F3 - Press F3 to load loan data previously saved to disk. Refer to the section titled "Loading Loan Data" in this manual for further instructions on how to load loan data. The mouse can be left-clicked on this command to press F3. F4 - When "NO SOLUTION" is displayed in the computed field, F4 can be pressed to display a hint describing why a solution could not be found for the computed field. As with all action keys, the mouse can be left-clicked on this command to press F4. 18 PULL-DOWN MENUS The third line on the LoanPmt screen is the pull-down menu bar (see Figure 7). Pull-down menus are the most intuitive and easiest to use features in LoanPmt. Each item in the menu can be accessed directly by using its highlighted hotkey. Simply simultaneously press the Alt key and the hotkey. Alternately, pressing F10 will pull down the last previously pulled-down menu. If you have a mouse, you can pull down a menu by left- clicking the mouse on its name. ABOUT MENU The leftmost item in the menu is the ABOUT menu. By pressing Alt+Space bar the ABOUT menu is pulled down (see Figure 8). When About is selected from the pull-down menu, a help- window will appear describing the LoanPmt program. This window is a typical LoanPmt help window and contains the features and elements described in the ON-LINE HELP section of this manual. FILE MENU The second item in the menu bar is the FILE menu. By pressing Alt+I the FILE menu is pulled down (see Figure 9). The menu contains two selectable items; Save and Load. SAVING LOAN DATA Select SAVE from the FILE menu by first highlighting it. Use the arrow keys or alternately press the S key or left-click the mouse on it. Once SAVE is highlighted, select it by pressing the S or ENTER keys or by left-clicking the mouse on it. The SAVE dialog box will now pop up (see Figure 10). Alternately, SAVE has a shortcut key. By pressing F2 the pull- down menu is bypassed and the SAVE dialog box will immediately pop up. SAVE's shortcut key is active whenever the following prompt appears near the lower left of the data entry screen: F2=Save Loan Data Within the SAVE dialog box, enter a filename for the loan data's file using the following format: [d:][path] filename where "d:" is the optional disk drive name, "path" is an optional DOS pathname, and "filename" is a valid DOS filename. Do not add a filename extension to the filename. The program will automatically add the filename extension ".PMT" to all filenames entered. If a filename extension other than ".PMT" is entered, it will not be used. ".PMT" is always used whether a filename extension is entered or not. Error detection is 19 provided for invalid drive names, paths, filenames, etc. The program will not proceed until everything is correctly entered (or ESC is pressed). Once the program accepts a valid entry, the file is created on the specified drive, etc. After the file has been successfully created, the cursor returns to the data entry mode, and the following message is displayed at the bottom of the screen: Data saved to file FILENAME.PMT To abort the SAVE dialog box, press ESC or left-click the mouse on the dialog's close box or on ESC=Quit in the status line. Once the file has been saved, or the process has been aborted, the FILE menu remains on the screen. To exit the FILE menu simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. LOADING LOAN DATA Previously saved loan data files can be loaded from disk. Select LOAD from the FILE menu by first highlighting it. Use the arrow keys or alternately press the L key or left-click the mouse on it. Once LOAD is highlighted, select it by pressing the L or ENTER keys or by left-clicking the mouse on it. The LOAD dialog box will now pop up (see Figure 11). Alternately, LOAD has a shortcut key. By pressing F3 the pull-down menu is bypassed and the LOAD dialog box will immediately pop up. LOAD's shortcut key is active whenever the following prompt appears near the lower left of the data entry screen: F3=Load Loan Data Within the LOAD dialog box, enter a DOS filename or wildcards using the following format: [d:][path] filename where "d:" is the optional disk drive name, "path" is an optional DOS pathname, and "filename" is a valid DOS filename. Do not add a filename extension to the filename. The program will automatically add the filename extension ".PMT" to all filenames entered. Error detection is provided for invalid drive names, paths, filenames, etc., and the program will not proceed until everything is correctly entered (or ESC is pressed). If DOS wildcards ("*" and "?") are entered, a load file menu will appear containing a list of ".PMT" files meeting the wildcard specifications (see Figure 12). For example, to see a menu containing all the ".PMT" files in the current directory, type in a single asterisk ("*") and press the ENTER key. (NOTE: An asterisk is the default value in the LOAD dialog box when 20 LoanPmt is started.) Whatever is typed in the box is retained and displayed the next time the dialog box is popped up. As labeled in figure 12, the file menu window contains the following elements: Close box - left-click the mouse on the close box (or press the ESC key) to close the load file window without loading a file. Home icon - left-click the mouse on the home icon (or press the HOME key) to page to the beginning of the information in the window. End icon - left-click the mouse on the end icon (or press the END key) to page to the end of the information in the window. Up arrow icon - left click the mouse on the up arrow icon (or press the up arrow key) to move the highlight bar up one line in the window. Down arrow icon - left-click the mouse on the down arrow icon (or press the down arrow key) to move the highlight bar down one line in the window. Right arrow icon- left-click the mouse on the right arrow icon (or press the right arrow key) to move the highlight bar to the next item in the window. Left arrow icon - left-click the mouse on the left arrow icon (or press the left arrow key) to move the highlight bar to the previous item in the window. Page up area - left-click the mouse in the page up area (or press the PAGE UP key) to move up one window full of information. Page down area - left-click the mouse in the page down area (or press the PAGE DOWN key) to move down one window full of information. Location marker - the location marker shows the relative position of the highlight bar to the total amount of information available for display within the window. Whenever the location marker is at the top of the scroll bar, the highlight bar is at its beginning. If the marker is near the middle of the scroll bar, the highlight bar is near its midpoint. Whenever the marker is at the bottom of the scroll bar, you are at the end of the available information. 21 Additionally, the keys "A-Z", "0-9", "\", and "[" can be pressed to move the highlight bar to the first (or next) filename in the list that starts with the character pressed. To load a file from the menu, first move the highlight bar to the file by using the arrow keys etc. or by left-clicking the mouse on it. After the file is highlighted, press the ENTER key or left-click on it again to load it. Subdirectories and the parent directory of the current directory are also displayed. These directories are enclosed within slashes ("\"). In Figure 12, \LOANS\ is a subdirectory of C:\LPMT and \..\ is the parent directory (\LPMT). If a directory is highlighted and the ENTER key is pressed (or the mouse is left-clicked on it) the directory is selected for file selection. All matching files and directories in the selected directory are then displayed in the load file window for selection. Disk drive names are enclosed within brackets. [-A-] is drive A:, [-B-] is drive B:, etc. When a disk drive name is highlighted and the ENTER key is pressed (or the mouse is left- clicked on it) the disk drive is selected for file selection. All matching files and directories on the selected disk drive are then displayed in the load file window for selection. Once the program loads a valid ".PMT" file, all data fields are updated to display the data that was stored in the file. The following message is also displayed at the bottom of the screen: Data loaded from file FILENAME.PMT To quit the LOAD dialog box, press ESC or left-click the mouse on the dialog's close box or on ESC=Quit in the status line. Once the file has been loaded, or the process has been aborted, the FILE menu remains on the screen. To exit the FILE menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. TABLE MENU The third item in the menu bar is the TABLE menu. By pressing Alt+L the TABLE menu is pulled down. Depending on the currently selected computed field, the table menu can be in Amortization mode (see Figure 13) or Payoff mode (see Figure 14). If the currently selected computed field is PAYOFF, then the TABLE menu is in Payoff mode, otherwise it will be in Amortization mode. The menu contains three selectable items; Display, Print, and Save. 22 DISPLAYING AN AMORTIZATION TABLE If the TABLE menu is in Amortization mode, select DISPLAY from the menu by first highlighting it. Use the arrow keys or alternately press the D key or left-click the mouse on it. Once DISPLAY is highlighted, select it by pressing the D or ENTER keys or by left-clicking the mouse on it. If an amortization table does not exist, the error shown in Figure 15 appears. Otherwise, the Amortization table year selection menu will pop up (see Figure 16). To quit the year selection menu, press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Once a table has been displayed, or the process has been aborted, the TABLE menu remains on the screen. To exit the TABLE menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Within the year selection menu, use the arrow keys to highlight a loan year to view or left-click the mouse on it. To view the entire amortization table, highlight ALL. NOTE: If there is not enough free RAM to display the entire table, ALL will not appear in the menu. Once the year is highlighted, press ENTER or left-click the mouse on it again. LoanPmt constructs the table and displays it (see Figure 17). As labeled in Figure 17, the amortization table display window contains the following elements: Close box - left-click the mouse on the close box (or press the ESC key) to close the displayed window. Home icon - left-click the mouse on the home icon (or press the HOME key) to scroll to the beginning of the amortization table. End icon - left-click the mouse on the end icon (or press the END key) to scroll to the end of the amortization table. Up arrow icon - left click the mouse on the up arrow icon (or press the up arrow key) to move the amortization table up one line in the window. Down arrow icon - left-click the mouse on the down arrow icon (or press the down arrow key) to move the amortization table down one line in the window. Page up area - left-click the mouse in the page up area (or press the PAGE UP key) to scroll up one window full of information. 23 Page down area - left-click the mouse in the page down area (or press the PAGE DOWN key) to scroll down one window full of information. Location marker - the location marker shows the relative position of the currently displayed information to the total amount of information available for display within the window. Whenever the location marker is at the top of the scroll bar, information is at its beginning. If the marker is near the middle of the scroll bar, the information is near its midpoint. Whenever the marker is at the bottom of the scroll bar, you are at the end of the amortization table. PRINTING AN AMORTIZATION TABLE If the TABLE menu is in Amortization mode, select PRINT from the menu by first highlighting it. Use the arrow keys or alternately press the P key or left-click the mouse on it. Once PRINT is highlighted, select it by pressing the P or ENTER keys or by left-clicking the mouse on it. If an amortization table does not exist, the error shown in Figure 15 appears. Otherwise, the Amortization table year selection menu will pop up (see Figure 16). To quit the year selection menu, press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Once a table has been printed, or the process has been aborted, the TABLE menu remains on the screen. To exit the TABLE menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Within the year selection menu, use the arrow keys to highlight a loan year to print or left-click the mouse on it. To print the entire amortization table, highlight ALL. Once the year is highlighted, press ENTER or left-click the mouse on it again. The amortization table printer port selection menu will pop up (see Figure 18). To quit the printer port selection menu, press ESC or left- click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Once a table has been printed, or the process has been aborted, the TABLE menu remains on the screen. To exit the TABLE menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Within the printer port selection menu, use the arrow keys or press the 1, 2, or 3 keys to highlight a printer port or left-click the mouse on it. NOTE: In almost all cases, if there is only one printer, it is usually connected to LPT1 (PRN). 24 Once the port is highlighted, press ENTER (or 1, 2, or 3 again) or left-click the mouse on it again. LoanPmt constructs the table and prints it. If the program detects any errors during the printout, the printout stops and an error message will be displayed (see Figure 19). Normally, any of the following can cause a printer error: 1. No printer attached to the selected port (or port does not exist). 2. Printer not powered on. 3. Printer not selected on line. 4. Printer out of paper or paper is jammed. 5. Printer failure. 6. Etc. If the problem can be corrected, the printout may be resumed by selecting YES. Select YES by pressing the Y key or by pressing the Tab or arrow keys until YES is highlighted and then pressing ENTER. If the problem is not immediately correctable, or if you do not wish to proceed with the printout select NO. Select NO by pressing the N key or by pressing the Tab or arrow keys until NO is highlighted and then pressing ENTER. NO also can be selected by pressing ESC or left-clicking the mouse on ESC=Quit in the status line or left-clicking on the error message window's close box. When NO is selected the printout is terminated and the TABLE pull-down menu will still be active. If no problems are detected during the printout, the prompt "PRINTING . . ." is displayed at the bottom of the screen. To stop the printout, press the ESC key. When the ESC key is pressed, the Cancel Printing Window is displayed (see Figure 20). To continue printing, select NO. Select NO by pressing the N key or by pressing the Tab or arrow keys until NO is highlighted and then pressing ENTER. To cancel the printout, select YES. Select YES by pressing the Y key or by pressing the Tab or arrow keys until YES is highlighted and then pressing ENTER. YES also can be selected by pressing ESC or left- clicking the mouse on ESC=Quit in the status line or left- clicking on the error message window's close box. When YES is selected the printout will be terminated and the TABLE pull-down menu will still be active. Once a table has been printed, or the process has been aborted, the TABLE menu remains on the screen. To exit the TABLE menu simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. 25 SAVING AN AMORTIZATION TABLE If the TABLE menu is in Amortization mode, select SAVE from the menu by first highlighting it. Use the arrow keys or alternately press the S key or left-click the mouse on it. Once SAVE is highlighted, select it by pressing the S or ENTER keys or by left-clicking the mouse on it. If an amortization table does not exist, the error shown in Figure 15 appears. Otherwise, the save amortization table dialog box will pop up (see Figure 21). Within this dialog box enter a filename for the amortization table's text file using the following format: [d:][path] filename where "d:" is the optional disk drive name, "path" is an optional DOS pathname, and "filename" is a valid DOS filename. Do not add a filename extension to the filename. The program will automatically add the filename extension ".AMR" to all amortization filenames entered. If a filename extension other than ".AMR" is entered, it will not be used. ".AMR" is always used whether a filename extension is entered or not. Error detection is provided for invalid drive names, paths, filenames, etc., and the program will not proceed until everything is correctly entered (or ESC is pressed). To abort the dialog box, press ESC or left-click the mouse on the dialog's close box or on ESC=Quit in the status line. Once the file has been saved, or the process has been aborted, the FILE menu remains on the screen. To exit the FILE menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Once the program accepts a valid entry in the dialog box, the file is created on the specified drive, etc. After the file has been successfully created, the dialog box disappears, and the following message is displayed at the bottom of the screen: Amortization Table saved to file FILENAME.AMR The saved amortization file is a text file and may be printed using DOS print commands or various third party printer routines. It also may be edited via EDLIN or any other ASCII text editor. The distribution disk contains a sample amortization table file named EXAMPLE1.AMR for examination and testing purposes. Once a table has been saved, or the process has been aborted, the TABLE menu remains on the screen. To exit the TABLE menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. 26 DISPLAYING A LOAN PAYOFF SUMMARY If the TABLE menu is in Payoff mode, select DISPLAY from the menu by first highlighting it. Use the arrow keys or alternately press the D key or left-click the mouse on it. Once DISPLAY is highlighted, select it by pressing the D or ENTER keys or by left-clicking the mouse on it. The Loan Payoff Summary Window will be displayed (see Figure 22). To quit the window, press ESC or left-click the mouse on ESC=Quit in the status line or on the window's close box. Once the summary window disappears, the TABLE menu remains on the screen. To exit the TABLE menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. PRINTING A LOAN PAYOFF SUMMARY If the TABLE menu is in Payoff mode, select PRINT from the menu by first highlighting it. Use the arrow keys or alternately press the P key or left-click the mouse on it. Once PRINT is highlighted, select it by pressing the P or ENTER keys or by left-clicking the mouse on it. The printer port selection menu will pop up (see Figure 23). To quit the printer port selection menu, press ESC or left- click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Once a summary has been printed, or the process has been aborted, the TABLE menu remains on the screen. To exit the TABLE menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Within the printer port selection menu, use the arrow keys or press the 1, 2, or 3 keys to highlight a printer port or left-click the mouse on it. NOTE: In almost all cases, if there is only one printer, it is usually connected to LPT1 (PRN). Once the port is highlighted, press ENTER (or 1, 2, or 3 again) or left-click the mouse on it again. LoanPmt constructs the table and prints it. If the program detects any errors during the printout, the printout stops and an error message will be displayed (see Figure 19). Normally, any of the following can cause a printer error: 1. No printer attached to the selected port (or port does not exist). 2. Printer not powered on. 3. Printer not selected on line. 4. Printer out of paper or paper is jammed. 5. Printer failure. 6. Etc. 27 If the problem can be corrected, the printout may be resumed by selecting YES. Select YES by pressing the Y key or by pressing the Tab or arrow keys until YES is highlighted and then pressing ENTER. If the problem is not immediately correctable, or if you do not wish to proceed with the printout select NO. Select NO by pressing the N key or by pressing the Tab or arrow keys until NO is highlighted and then pressing ENTER. NO also can be selected by pressing ESC or left-clicking the mouse on ESC=Quit in the status line or left-clicking on the error message window's close box. When NO is selected the printout is terminated and the TABLE pull-down menu will still be active. If no problems are detected during the printout, the prompt "PRINTING . . ." is displayed at the bottom of the screen. To stop the printout, press the ESC key. When the ESC key is pressed, the Cancel Printing Window is displayed (see Figure 20). To continue printing, select NO. Select NO by pressing the N key or by pressing the Tab or arrow keys until NO is highlighted and then pressing ENTER. To cancel the printout, select YES. Select YES by pressing the Y key or by pressing the Tab or arrow keys until YES is highlighted and then pressing ENTER. YES also can be selected by pressing ESC or left- clicking the mouse on ESC=Quit in the status line or left- clicking on the error message window's close box. When YES is selected the printout will be terminated and the TABLE pull-down menu will still be active. Once a summary has been printed, or the process has been aborted, the TABLE menu remains on the screen. To exit the TABLE menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. SAVING A LOAN PAYOFF SUMMARY If the TABLE menu is in Payoff mode, select SAVE from the menu by first highlighting it. Use the arrow keys or alternately press the S key or left-click the mouse on it. Once SAVE is highlighted, select it by pressing the S or ENTER keys or by left-clicking the mouse on it. The save payoff summary dialog box will pop up (see Figure 24). Within this dialog box enter a filename for the payoff summary's text file using the following format: [d:][path] filename where "d:" is the optional disk drive name, "path" is an optional DOS pathname, and "filename" is a valid DOS filename. Do not add a filename extension to the filename. The program will automatically add the filename extension ".POF" to all payoff summary filenames entered. If a filename extension other than ".POF" is entered, it will not be used. ".POF" is always used whether a filename extension is entered or not. Error detection is provided for invalid drive names, paths, filenames, 28 etc., and the program will not proceed until everything is correctly entered (or ESC is pressed). To abort the dialog box, press ESC or left-click the mouse on the dialog's close box or on ESC=Quit in the status line. Once the file has been saved, or the process has been aborted, the FILE menu remains on the screen. To exit the FILE menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Once the program accepts a valid entry in the dialog box, the file is created on the specified drive, etc. After the file has been successfully created, the dialog box disappears, and the following message is displayed at the bottom of the screen: Loan Payoff Summary saved to file FILENAME.POF The saved payoff summary file is a text file and may be printed using DOS print commands or various third party printer routines. The file may also be edited via EDLIN or any other ASCII text editor. Once a summary has been saved, or the process has been aborted, the TABLE menu remains on the screen. To exit the TABLE menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. COMPARISONS MENU The fourth item in the menu bar is the COMPARISONS menu. By pressing Alt+A, or left-clicking the mouse on it, the COMPARISONS menu is pulled down. Use the COMPARISONS menu to select parameters for displaying, printing, or saving a loan comparison table. All currently entered loan parameters are used as originating values for building comparison tables. The menu contains two selectable items. Whenever the selected duration mode is PAYMENTS, the selectable items are "Principal vs Payments" and "Principal vs APR" (see Figure 25). Otherwise, whenever the selected duration mode is YEARS, the selectable items are "Principal vs Years" and "Principal vs APR" (see Figure 26). To cancel the COMPARISONS pull-down menu, press ESC. If you have a mouse, left-click it on ESC=Quit in the status line or left-click it anywhere outside the pull-down menu's boundaries. PRINCIPAL VS. PAYMENTS "Principal vs Payments" constructs a loan comparison table showing the effects of principal amount increments vs. increments in the number of payments. To select "Principal vs Payments" from the COMPARISONS pull-down menu, first highlight 29 it. Press the P key or use the arrow keys or left-click the mouse on it. Once it is highlighted, press the P key again or press ENTER or left-click the mouse on it again. After "Principal vs Payments" has been selected, the increments value dialog box will pop up (see Figure 27). Within the dialog box enter the increment values for the comparison table. The original principal value used in the table will be the current value displayed in the "Loan principal" field. The original payment value used in the table will be the current value displayed in the "Duration of loan in payments" field. Use the Tab, Up and Down Arrow keys, or the mouse to move between the two increment fields. Once the increment values are entered, press the ENTER key or double- click the mouse's left button on either value. This will pop up a menu for choosing Display, Print, or Save for the comparison Table. Refer to the appropriate section below for displaying, printing, or saving a comparison table. To cancel the increments dialog box, press the ESC key or left-click the mouse on ESC=Quit in the status line. Left- clicking the mouse anywhere outside the increments dialog box will also cancel it. After the dialog box disappears, the COMPARISONS menu will remain pulled down. PRINCIPAL VS. YEARS "Principal vs Years" constructs a comparison table showing the effects of principal amount increments vs. increments in the number of years for a loan. To select "Principal vs Years" from the COMPARISONS pull-down menu, first highlight it. Press the Y key or use the arrow keys or left-click the mouse on it. Once it is highlighted, press the Y key again or press ENTER or left- click the mouse on it again. After "Principal vs Years" has been selected, the increments value dialog box will pop up (see Figure 28). Within the dialog box enter the increment values for the comparison table. The original principal value used in the table will be the current value displayed in the "Loan principal" field. The original year value used in the table will be the current value displayed in the "Duration of loan in years" field. Use the Tab, Up and Down Arrow keys, or the mouse to move between the two increment fields. Once the increment values are entered, press the ENTER key or double-click the mouse's left button on either value. This will pop up a menu for choosing Display, Print, or Save for the comparison Table. Refer to the appropriate section below for displaying, printing, or saving a comparison table. To cancel the increments dialog box, press the ESC key or left-click the mouse on ESC=Quit in the status line. Left- clicking the mouse anywhere outside the dialog box will also 30 cancel it. After the dialog box disappears, the COMPARISONS menu will remain pulled down. PRINCIPAL VS. APR "Principal vs APR" builds a loan comparison table showing the effects of principal amount increments vs. increments in APR. To select "Principal vs APR" from the COMPARISONS pull- down menu, first highlight it. Press the A key or use the arrow keys or left-click the mouse on it. Once it is highlighted, press the A key again or press ENTER or left-click the mouse on it again. After "Principal vs APR" has been selected, the increments value dialog box will pop up (see Figure 29). Within the dialog box enter the increment values for the comparison table. The original principal value used in the table will be the current value displayed in the "Loan principal" field. The original APR value used in the table will be the current value displayed in the "Annual percentage rate (%)" field. Use the Tab, Up and Down Arrow keys, or the mouse to move between the two increment fields. Once the increment values are entered, press the ENTER key or double-click the mouse's left button on either value. This will pop up a menu for choosing Display, Print, or Save for the comparison Table. Refer to the appropriate section below for displaying, printing, or saving a comparison table. To cancel the increments dialog box, press the ESC key or left-click the mouse on ESC=Quit in the status line. Left- clicking the mouse anywhere outside the dialog box will also cancel it. After the dialog box disappears, the COMPARISONS menu will remain pulled down. DISPLAYING A LOAN COMPARISON TABLE Once a comparison table type and increment values have been entered as described above, the comparison table output selection menu will pop up (see Figure 30). To display the selected table on the screen, first highlight "Display" in the pop-up menu. Use the arrow keys or press the D key or left- click the mouse on it. Once "Display" is highlighted, select it by pressing the D key or ENTER or left-clicking the mouse on it. To cancel the output selection menu, press the ESC key or left-click the mouse on ESC=Quit in the status line or left- click anywhere outside the menu. After the menu disappears, the increments dialog box will remain. After "Display" has been selected, LoanPmt constructs the table and then displays it in a window (see Figure 31). As labeled in figure 31, the window contains the following elements: 31 Close box - left-click the mouse on the close box (or press the ESC key) to close the window. Home icon - left-click the mouse on the home icon (or press the HOME key) to page to the beginning of the information in the window. End icon - left-click the mouse on the end icon (or press the END key) to page to the end of the information in the window. Up arrow icon - left click the mouse on the up arrow icon (or press the up arrow key) to scroll the information up one line in the window. Down arrow icon - left-click the mouse on the down arrow icon (or press the down arrow key) to scroll the information down one line in the window. Right arrow icon- left-click the mouse on the right arrow icon (or press the right arrow key) to scroll the information right one column in the window. Left arrow icon - left-click the mouse on the left arrow icon (or press the left arrow key) to scroll the information left one column in the window. Page up area - left-click the mouse in the page up area (or press the PAGE UP key) to move up one window full of information. Page down area - left-click the mouse in the page down area (or press the PAGE DOWN key) to move down one window full of information. Page left area - left-click the mouse in the page left area (or press the F7 key) to scroll left one window full of information. Page right area - left-click the mouse in the page right area (or press the F8 key) to scroll right one window full of information. Vertical Location marker - the vertical location marker shows the relative position (from top to bottom) of the displayed information to the total amount of information available for display within the window. Whenever the location marker is at the top of the scroll bar, the displayed information is at its beginning. If the marker is near the middle of the scroll bar, the displayed information is near its midpoint. Whenever the marker is at the 32 bottom of the scroll bar, you are at the end of the available information. Horizontal Location marker - the horizontal location marker shows the relative position (from right to left) of the displayed information to the total amount of information available for display within the window. Whenever the location marker is at the left of the scroll bar, the displayed information is at its leftmost area. Whenever the marker is near the middle of the scroll bar, the displayed information is near its midpoint. Whenever the marker is at the right of the scroll bar, you are at the rightmost area of the available information. After the comparison table window is closed, the increments dialog box will remain on the screen. PRINTING A LOAN COMPARISON TABLE Once a comparison table type and increment values have been entered as described above, the comparison table output selection menu will pop up (see Figure 30). To print the selected table on the screen, first highlight "Print" in the pop-up menu. Use the arrow keys or press the P key or left- click the mouse on it. Once "Print" is highlighted, select it by pressing the P key or ENTER or by left-clicking the mouse on it. To cancel the output selection menu, press the ESC key or left-click the mouse on ESC=Quit in the status line or left- click anywhere outside the menu. After the menu disappears, the increments dialog box will remain. After "Print" has been selected, the printer port selection menu will pop up (see Figure 32). To quit the printer port selection menu, press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Once a table has been printed, or the process has been aborted, the previous menu remains on the screen. To exit the menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. Within the printer port selection menu, use the arrow keys or press the 1, 2, or 3 keys to highlight a printer port or left-click the mouse on it. NOTE: In almost all cases, if there is only one printer, it is usually connected to LPT1 (PRN). Once the port is highlighted, press ENTER (or 1, 2, or 3 again) or left-click the mouse on it again. LoanPmt constructs the table and prints it. 33 If the program detects any errors during the printout, the printout stops and an error message will be displayed (see Figure 19). Normally, any of the following can cause a printer error: 1. No printer attached to the selected port (or port does not exist). 2. Printer not powered on. 3. Printer not selected on line. 4. Printer out of paper or paper is jammed. 5. Printer failure. 6. Etc. If the problem can be corrected, the printout may be resumed by selecting YES. Select YES by pressing the Y key or by pressing the Tab or arrow keys until YES is highlighted and then pressing ENTER. If the problem is not immediately correctable, or if you do not wish to proceed with the printout select NO. Select NO by pressing the N key or by pressing the Tab or arrow keys until NO is highlighted and then pressing ENTER. NO also can be selected by pressing ESC or left-clicking the mouse on ESC=Quit in the status line or left-clicking on the error message window's close box. When NO is selected the printout is terminated and the previous menu will still be active. If no problems are detected during the printout, the prompt "PRINTING . . ." is displayed at the bottom of the screen. To stop the printout, press the ESC key. When the ESC key is pressed, the Cancel Printing Window is displayed (see Figure 20). To continue printing, select NO. Select NO by pressing the N key or by pressing the Tab or arrow keys until NO is highlighted and then pressing ENTER. To cancel the printout, select YES. Select YES by pressing the Y key or by pressing the Tab or arrow keys until YES is highlighted and then pressing ENTER. YES also can be selected by pressing ESC or left- clicking the mouse on ESC=Quit in the status line or left- clicking on the error message window's close box. When YES is selected the printout will be terminated and the TABLE pull-down menu will still be active. Once the printout is complete, or the process has been aborted, the previous menu remains on the screen. To exit the menu, simply press ESC or left-click the mouse anywhere outside the menu's boundaries or on ESC=Quit in the status line. SAVING A LOAN COMPARISON TABLE Once a comparison table type and increment values have been entered as described above, the comparison table output selection menu will pop up (see Figure 30). To save the selected table on the screen, first highlight "Save" in the pop- up menu. Use the arrow keys or press the S key or left-click 34 the mouse on it. Once "Save" is highlighted, select it by pressing the S key or ENTER or by left-clicking the mouse on it. To cancel the output selection menu, press the ESC key or left-click the mouse on ESC=Quit in the status line or left- click anywhere outside the menu. After the menu disappears, the increments dialog box will remain. After "Save" has been selected, the save comparison table dialog box will pop up (see Figure 33). Within this dialog box enter a filename for the comparison table's text file using the following format: [d:][path] filename where "d:" is the optional disk drive name, "path" is an optional DOS pathname, and "filename" is a valid DOS filename. Do not add a filename extension to the filename. The program will automatically add the filename extension ".CMP" to all comparison table filenames entered or not. If a filename extension other than ".CMP" is entered, it will not be used. ".CMP" is always used whether a filename extension is entered. Error detection is provided for invalid drive names, paths, filenames, etc. The program will not proceed until everything is correctly entered (or ESC is pressed). To abort the dialog box, press ESC or left-click the mouse on the dialog's close box or on ESC=Quit in the status line. Once the file has been saved, or the process has been aborted, the INCREMENTS dialog box remains on the screen. To exit the INCREMENTS dialog box, simply press ESC or left-click the mouse anywhere outside its boundaries or on ESC=Quit in the status line. Once the program accepts a valid entry in the dialog box, the file is created on the specified drive, etc. After the file has been successfully created, the dialog box disappears, and the following message is displayed at the bottom of the screen: Comparison Table saved to file FILENAME.CMP The comparison table file is a text file and may be printed using DOS print commands or various third party printer routines. The file also may be edited via EDLIN or any other ASCII text editor. Once a table has been saved, or the process has been aborted, the INCREMENTS dialog box remains on the screen. To exit the dialog box, simply press ESC or left-click the mouse anywhere outside its boundaries or on ESC=Quit in the status line. 35 SETTINGS MENU The fifth item in the menu bar is the SETTINGS menu. By pressing Alt+G, or left-clicking the mouse on "Settings", the SETTINGS menu is pulled down (see Figure 34). This pull-down menu contains four selectable items; Computed field, Duration mode, Currency symbol, and Date format. SELECTING A COMPUTED FIELD Select "Computed field" from the SETTINGS menu by first highlighting it. Use the arrow keys or alternately press the C key or left-click the mouse on it. Once "Computed field" is highlighted, select it by pressing the C or ENTER keys or by left-clicking the mouse on it. The computed field selection menu will pop up (see Figure 35). You may select any of the following fields as the computed field: Principal APR Duration Payment Payoff You must first highlight the field you wish to select. Use the arrow keys, etc. to highlight the field name or press its hotkey (highlighted) character or left-click the mouse on it. To select a highlighted field name, press ENTER or its hotkey character or left-click the mouse on it. After a field is selected, the selection menu will disappear, but the SETTINGS pull-down menu will remain. NOTE: The Payoff selection in the menu computes a payoff balance. A computed payoff balance may vary slightly from the amortized balance. Depending on the loan, either may be used. Check with your loan company to be sure which will be used. If you decide not to change the computed field, press ESC. If you have a mouse, you can left-click on ESC=Quit in the status line or left-click anywhere outside the selection menu's boundaries. When ESC is pressed, the selection menu will disappear and the SETTINGS pull-down menu will remain. The compute field, though, will not be changed. In other words, no matter which field name is highlighted in the selection menu when ESC is pressed, the old one will be retained. The currently active compute field is always displayed near the top left-hand area of the LoanPmt screen. SELECTING A DURATION MODE Select "Duration mode" from the SETTINGS menu by first highlighting it. Use the arrow keys or alternately press the D 36 key or left-click the mouse on it. Once "Duration mode" is highlighted, select it by pressing the D or ENTER keys or by left-clicking the mouse on it. The duration mode selection menu will pop up (see Figure 36). You may select either "Payments" or "Years" as the duration mode. Select "Years" to enter the duration of the loan in whole years, or select "Payments" to enter the duration in total number of payments. You must first highlight the mode you wish to select. Use the arrow keys, etc. to highlight the mode's name or press its hotkey (highlighted) character or left-click the mouse on it. To select a highlighted mode name, press ENTER or its hotkey character or left-click the mouse on it. After a mode is selected, the selection menu will disappear, but the SETTINGS pull-down menu will remain. If you decide not to change the duration mode, press ESC. If you have a mouse, you can left-click on ESC=Quit in the status line or left-click anywhere outside the selection menu's boundaries. When ESC is pressed, the selection menu will disappear and the SETTINGS pull-down menu will remain. The duration mode, though, will not be changed. In other words, no matter which mode name is highlighted in the selection menu when ESC is pressed, the old one will be retained. The currently active duration mode is always displayed in the duration entry field in the LoanPmt screen. SELECTING A CURRENCY SYMBOL Select "Currency symbol" from the SETTINGS menu by first highlighting it. Use the arrow keys or alternately press the U key or left-click the mouse on it. Once "Currency symbol" is highlighted, select it by pressing the U or ENTER keys or by left-clicking the mouse on it. The currency symbol dialog box will pop up (see Figure 37). You may enter any two-character currency symbol from the keyboard you want. The currently selected currency symbol is displayed and printed on all output generated by LoanPmt. It is also saved with a loan's .PMT file. Therefore, it is possible to create loans for multiple currencies. If you decide not to change the currency symbol, press ESC. If you have a mouse, you can left-click on ESC=Quit in the status line or left-click anywhere outside the selection menu's boundaries. When ESC is pressed, the dialog box disappears and the SETTINGS pull-down menu will remain. The current currency symbol, though, will not be changed. In other words, no matter what currency symbol appears in the dialog box when ESC is pressed, the original one will be retained. The currently selected currency symbol is always displayed at the appropriate fields in the LoanPmt screen. 37 SELECTING A DATE FORMAT Select "Date format" from the SETTINGS menu by first highlighting it. Use the arrow keys or alternately press the A key or left-click the mouse on it. Once "Date format" is highlighted, select it by pressing the A or ENTER keys or by left-clicking the mouse on it. The date format selection menu will pop up (see Figure 38). You may select any of the following formats as the date format to be used by LoanPmt: 1) MM/DD/YY 2) DD-Mon-YY 3) DD.MM.YY You must first highlight the field you wish to select. Use the arrow keys, etc. to highlight the field name or press its hotkey (highlighted) character or left-click the mouse on it. To select a highlighted field name, press ENTER or its hotkey character or left-click the mouse on it. After a field is selected, the selection menu will disappear, but the SETTINGS pull-down menu will remain. The currently selected date format is used to display and print all dates output by LoanPmt. Date formats are also saved with a loan's .PMT file. Therefore, it is possible to create loans with multiple date formats. The date formats and their output for the date February 26, 1992 are: 1) MM/DD/YY = 2/26/1992 2) DD-Mon-YY = 26-Feb-1992 3) DD.MM.YY = 26.2.1992 If you decide not to change the date format, press ESC. If you have a mouse, you can left-click on ESC=Quit in the status line or left-click anywhere outside the selection menu's boundaries. When ESC is pressed, the selection menu will disappear and the SETTINGS pull-down menu will remain. The date format, though, will not be changed. In other words, no matter which format name is highlighted in the selection menu when ESC is pressed, the original one will be retained. The currently active date format is always displayed in the "Date of first payment" entry field in the LoanPmt screen. 38 DATA ENTRY FIELDS The following data entry fields accept input to the LoanPmt program: Loan Company: You may enter the name of the loan company here. If one is entered, it will appear on all the program's printouts. If a mistake is made, edit the line as described in the Data Entry Section in this manual. When the loan company's name is in this field, press ENTER (or any other key or mouse event that causes LoanPmt to leave the field) to enter it. Borrower: You can enter the name of the borrower. If one is entered, it is printed on all the program's printouts. Again, you may edit the entry as described in the Data Entry Section of this manual. When the borrower's name in this field, press ENTER (or any other key or mouse event that causes LoanPmt to leave the field) to enter it. Comment: Enter the reason for the loan, loan number, or any other comment. If one is entered, it is printed on all the program's printouts. Again, you may edit your entry as described in the Data Entry Section. When the desired information is in this field, press ENTER (or any other key or mouse event that causes LoanPmt to leave the field) to enter it into the program. Payment schedule (number of payments per year): A highlight bar menu appears (see Figure 39) for selecting a payment schedule as follows: Yearly Semiyearly Quarterly Monthly Semimonthly Biweekly Weekly Use the RIGHT ARROW or LEFT ARROW keys, or enter the desired payment schedule's hotkey (highlighted) character, or left-click the mouse on it to move the highlighted bar to the desired payment schedule. You may select between: Yearly - 1 payment per year. Semiyearly - 2 payments per year (i.e., every 6 months). Quarterly - 4 payments per year (i.e., every 3 months). Monthly - 12 payments per year (i.e., every month). Semimonthly - 24 payments per year (i.e., twice a month). Biweekly - 26 payments per year (i.e., every two weeks). Weekly - 52 payments per year (i.e., every week). 39 When the desired payment schedule is highlighted, press ENTER (or any other key or mouse event that causes LoanPmt to leave the field) to enter it into the program. Loan principal: Enter the amount of money to be borrowed. Principal entries must be greater than or equal to 0.00 and less than or equal to 10,000,000.00. If this condition is not met, an error message will be displayed when ENTER (or any other key or mouse event that causes LoanPmt to leave the field) is pressed. The program will not proceed until the error is corrected. Additional loan costs: Enter any loan costs that are being included in the loan. If you are NOT financing any of the loan costs with this loan, then do NOT enter anything in this field. If loan costs are entered, they must be greater than or equal to 0.00 and less than or equal to 1,000,000.00. If this condition is not met, an error message will be displayed when ENTER (or any other key or mouse event that causes LoanPmt to leave the field) is pressed. The program will not proceed until the error is corrected. Loan points charged: Enter any loan points here that are being included into the loan. If you are NOT financing any of the loan points with this loan, then do NOT enter anything in this field. If loan points are entered, they must be greater than or equal to 0.000 and less than or equal to 99.999. If this condition is not met, an error message will be displayed when ENTER (or any other key or mouse event that causes LoanPmt to leave the field) is pressed. The program will not proceed until the error is corrected. Deferred principal: Enter the portion of the total amount financed that is to be deferred and paid along with the final payment. "Interest only" loans can be created by deferring the entire amount financed, or part of the amount financed can be "ballooned" into the final payment. You may enter an amount that is greater than or equal to 0.00 and that is less than or equal to the total amount financed. If this condition is not met, an error message will be displayed when ENTER (or any other key or mouse event that causes LoanPmt to leave the field) is pressed. The program will not proceed until the error is corrected. Annual percentage rate (%): Enter the annual percentage rate (APR) charged for the loan. Enter an APR that is greater than or equal to 0% and less than 100%. If this condition is not met, an error message will be displayed when ENTER (or any other key or mouse event that 40 causes LoanPmt to leave the field) is pressed. LoanPmt will not proceed until the error is corrected. Duration of loan in years: or Duration of loan in payments: Enter the duration of the loan in the mode displayed (years or payments). When a duration is entered, it must be greater than or equal to 1 (years or payments). It also must be less than or equal to 50 years (or the equivalent number of payments). If this condition is not met, an error message will be displayed when ENTER (or any other key or mouse event that causes LoanPmt to leave the field) is pressed. The program will not proceed until the error is corrected. NOTE: To change the duration mode, pull down the Settings menu. From this pull-down menu, select Duration. From the Duration pop-up menu, you may select between payments and years as the duration mode. Number of payments already made: This data entry field is only displayed when Loan Payoff is the computed field. Key in the number of payments already made. If a number less than zero or greater than the previously entered duration of the loan is entered, an error message will be displayed. LoanPmt will wait for a correct entry. When a correct entry is made, the program will compute and display the payoff balance for the loan. Payment: Enter the desired loan payment. An error will occur if a payment is entered that with the previously entered data will cause the computed field not to fall within its prescribed range. (I.e., If principal is the computed field and a payment is entered that will cause principal to compute to a value greater than 10,000,000.00, an error message will result.) An error also will occur if a payment less than 0.00 is entered. Date of first Payment: Enter the date the first payment for the loan is due. For new loans, the default date is the next date following the system's date that falls within the previously given payment schedule. (I.e., If the payment schedule previously selected is "Monthly" and the system date is 8/01/1989 (1-Aug- 1989/1.8.1989), then the default date given will be 9/01/1989 (1-Sep-1989/1.9.1989). If a date has been previously entered and a new loan has not been computed, then the old date will appear. To change the 41 date shown, enter the new date using the format shown. To select a different date format, use the SETTINGS pull-down menu. (See "Selecting a Date Format".) The date field actually contains three separate sub-fields. Each sub-field is separated by delimiters. The delimiters used in the date cannot be typed in. The month sub-field will only accept the digits 1 through 12. If the date format is DD-Mon-YY then a menu will pop up from which to select the month. The day sub-field will only accept valid days for the month currently in the month sub- field. When the month entered is 2 (February), then leap year checking is not done until ENTER, UP ARROW, DOWN ARROW, or any other key or mouse event that causes LoanPmt to leave the field etc. is entered. This allows the day sub-field to be exited so a different year can be entered. The year sub-field (right sub-field) will accept any four- digit entry. We suggest the full year be entered, but the last two digits also may be used. Be warned, though, that when leap year checking is done, two digit years are considered in the 1st century. This is only important to keep in mind if the loan is started in this century (20th century) and will be ending in the next century (21st century). While non-century years that are evenly divisible by four are leap years, only those century years that are evenly divisible by 400 are leap years. Therefore, if the starting date of a 30-year loan with payments due each month is entered as 8/31/89 (31-Aug-89 or 31.8.89) (i.e., payments due at the end of each month), the program would process the years correctly until it finished with year 99. It would then incorrectly start year 100 instead of the year 2000. The year 100 is not evenly divisible by 400 while the year 2000 is (i.e., the year 100 is not a leap year, but the year 2000 is). The program will then incorrectly say that the payment for February is due on 2/28/100 (28-Feb-100 or 28.2.100). This payment is actually due on 2/29/2000 (29-Feb-2000 or 29.2.2000) since the year 2000 is a leap year. The RIGHT ARROW or LEFT ARROW keys (or the mouse) must be used to move between the date fields. Press ENTER (or any other key or mouse event that causes LoanPmt to leave the field) to enter the date. LoanPmt performs error checking on all date entries as described above and will not proceed until a valid date is entered. NO SOLUTION All computed fields are dynamic in LoanPmt. What this means is that the chosen computed field is updated (recomputed) each time new data is entered at any other field. Critical data 42 errors are trapped within each data entry field. For example, if an APR is entered that is less than zero, the computer beeps, an error message displays at the bottom of the screen. LoanPmt will not allow you to proceed until the error is corrected. On the other hand, non-critical errors are not trapped. When values are entered that result in no solution for the computed field, "NO SOLUTION" is displayed in the computed field (see Figure 40). When this happens, "F4="NO SOLUTION" Hint" immediately displays near the bottom of the screen. By pressing F4 (or left-clicking the mouse on the message, LoanPmt displays a hint describing why a solution could not be reached for the computed field (see Figure 41). Usually, many reasons exist, but LoanPmt only displays the first one determined to be the cause. LOAN PAYOFF DATA ENTRY VERIFICATION As described in the previous section, all computed fields are dynamic in LoanPmt. When LoanPmt is in Payoff mode, data entered for the loan parameters are automatically verified by LoanPmt before the payoff is computed. This ensures all data will create a valid loan. LoanPmt accomplishes this by correcting the amount in the payment field, if required, whenever data is entered at any field except the payment field. If data is entered at the payment field, then the principal field is corrected, if required. If all the data fields create a valid loan, then no corrections are made. Whenever you enter data not created by LoanPmt, it is possible that LoanPmt will change either principal or payment. This can happen whenever a loan method different from that employed by LoanPmt was used to create the original loan. In these cases the difference may not amount to very much. These results can possibly be used as a guideline for what your lender may charge to pay off your loan. The terms of a payoff will always be governed by the original loan contract. It is not unusual for contracts to require penalties or other fees for early loan payoffs. This is especially true if your contract mentions the RULE OF 78. You should always read the terms of your contract before pursuing an early loan payoff. This can save some very big surprises later. LoanPmt INITIALIZATION FILE (LPMTINIT.PMT) When LoanPmt starts execution, it looks for the file LPMTINIT.PMT. If it finds the file, it loads it. If the file is not found, LoanPmt initializes to predefined defaults. LPMTINIT.PMT is a normal LoanPmt .PMT loan parameter file. It can be loaded, saved, and overwritten with new loan parameters the same as any .PMT file. The file LPMTINIT.PMT on the distribution disk contains LoanPmt's predefined parameters. 43 Besides the loan parameters, the following LoanPmt settings are also saved: Currency symbol Date format You can create your personal initialization parameters for LoanPmt. First enter the values in the data entry fields you always want LoanPmt to begin with. For example, you may always want the loan company field to contain the name of your bank. Next, pull down the settings menu and select all the settings you always want to start with. For example, you may always want the currency symbol to be DM or the date format to be DD.MM.YY. Duration mode can also be initialized to payments or years. The actual mode is not saved in a .PMT file. Instead, the number of payments is always saved. When a .PMT file is loaded and the number of payments computes to even years, duration mode is automatically set to years. Otherwise, duration mode is automatically set to payments. The best way to initialize duration mode in LPMTINIT to years is to select years and enter one (1) year for the duration of loan. On the contrary, the best way to initialize duration mode to payments is to select payments and enter one (1) payment. NOTE: If payment schedule is "Yearly", years and payments are identical. Therefore, duration mode will always load as years when payment schedule is "Yearly" in the .PMT file. Finally pull down the file menu and select "Save" (or press F2). In the dialog box enter "LPMTINIT" and press ENTER. If LoanPmt asks you to overwrite an existing copy of LPMTINIT, select YES. Each time LoanPmt is run, it initializes with the values found in LPMTINIT.PMT. To edit LPMTINIT, first load it, and then edit the data fields. Finally, save LPMTINIT as described in the previous paragraph. PROGRAM HISTORY 09-01-89 Version 1.0 - Initial program release. 11-01-90 Version 1.1 - Compute menu added. - Direct data field access (JUMP) added. - Load menu added. - Constant update of computed field added. - Data editing enhanced. - Color monitor support enhanced. 44 04-15-91 Version 1.2 - Printer compatibility improved. - File load bug fixed. - Printing and file saving/loading interfaces improved. 09-30-91 Version 1.21 - VGA cursor bug fixed. - Loan Payoff data entry verification enhanced - Start program at Compute Menu - Start program with clear data fields - Printed manual available 07-01-92 Version 2.0 - Pull-down menus and mouse support added. - Loan comparison tables added. - International currency symbol & date formats added. - Use hotkeys for direct menu and data field access. - Printouts revised to accommodate laser printers. - LPMTINIT.PMT allows user-defined initialization. - Fixed known bugs when computed field is not Payment. 02-01-93 Version 2.1 - Improved file load menu (drive names added). - Deferred principal added as a computed field. - Computed field name is highlighted. - Single years can be selected for printing amortization tables. - Error trapping improved. Non-critical errors cause NO SOLUTION to be displayed in the computed field so the cursor can be moved to the next input field. - Currency symbol bug in payoff mode fixed. - Erratic initial payment dates bug in DISPLAY mode fixed. - Fixed bug that caused deferred principal interest not to be added when computed field is Duration. - Fixed bug that caused UAE in Windows on some PC's when NOEMS switch used with EMM386.EXE. - Invalid payment dates bug when semimonthly payments selected and initial payment date is 30th of a 31- day month fixed. - Mouse pointer problem with Microsoft mouse driver V8.2 (distributed with Windows 3.1) fixed. 45 PROGRAM ENHANCEMENT REQUESTS (HOW TO RECEIVE A FREE PROGRAM UPGRADE) If you have ideas for the enhancement of LoanPmt, you are encouraged to submit them to Data Language Systems. If you are the first user to submit a particular enhancement request, and it is selected for incorporation into LoanPmt, you can receive, free of charge, the upgrade of LoanPmt that contains your requested enhancement. To submit an enhancement request, please print (or type) your request and mail it to Data Language Systems. (If you wish, you may include all the information in an ASCII file on a 5 1/4" or 3 1/2" floppy disk.) Enhancements may also be submitted to Don Swartz 72331,240 on CompuServe, or you may phone (317) 759-7367 and ask for Don Swartz. Be sure to include: NAME, CUSTOMER NUMBER (if known) ADDRESS CITY, STATE, ZIP CODE COUNTRY (if not USA) (AREA CODE) PHONE#, BEST TIME TO CONTACT YOU (only include this information if you do not mind if we call you in case we need more information.) For example, the following have already been suggested: 1. Add balloon payments. 2. Add an additional payment schedule. 4. Add method to change and save color attributes of display screen color monitors. 5. Add a DOS shell. All requests submitted become the property of Data Language Systems, and we reserve the right to select only those that are determined to be feasible and viable enhancements to LoanPmt. The postmark date on mailed requests or the date (and time) of initial phone contact will be used to determine the first submission if duplicate requests are submitted by more than one registered user. You need not be a registered user to participate in the free upgrade offer. To be eligible to receive a free upgrade under this offer, the user also must agree to beta test the proposed enhancement, with no charge to Data Language Systems, before its official release. 46 REPORTING LoanPmt BUGS (HOW TO RECEIVE A FREE PROGRAM UPGRADE) Every attempt has been made to provide bug-free software. Unfortunately it is realistic that some bugs will escape even the most aggressive testing. If you find a bug in the LoanPmt program, you are encouraged to submit it to Data Language Systems so it can be corrected. If you are the first user to submit a particular bug for correction, you can receive, free of charge, the upgrade of LoanPmt that contains the bug fix. To submit a bug, please print (or type) the condition that you suspect to be a bug and mail it to Data Language Systems. (If you wish, you may include all the information in an ASCII file on a 5 1/4" or 3 1/2" floppy disk.) Bug reports may also be submitted to Don Swartz 72331,240 on CompuServe, or you may phone (317) 759-7367 and ask for Don Swartz. Be sure to include: NAME, CUSTOMER NUMBER (if known) ADDRESS CITY, STATE, ZIP CODE COUNTRY (if not USA) (AREA CODE) PHONE#, BEST TIME TO CONTACT YOU (only include this information if you do not mind if we call you in case we need more information.) All bug reports submitted become the property of Data Language Systems, and we reserve the right to modify LoanPmt only for submissions that are determined by us to be actual malfunctions of the intended design of LoanPmt. The postmark date on mailed requests or the date (and time) of initial phone contact will be used to determine the first submission if duplicate reports are submitted by more than one registered user. For situations where a reported bug is determined by Data Language Systems to be within the realm of the actual program design (i.e., not really a bug), your submission will be handled as a Program Enhancement Request (see the previous section of this manual). You need not be a registered user to participate in the free upgrade offer. To be eligible to receive a free upgrade under this offer, the user also must agree to beta test the bug fix, with no charge to Data Language Systems, before its official release. 47 SOFTWARE LICENSE The LoanPmt program, its documentation, and all other files on the distribution disk are copyright (C) 1989-1993 by Data Language Systems. All rights reserved. This software and the disks on which it is contained is licensed to you, for your own use. This is copyrighted software. You are not obtaining title to the software or any copyright rights. You may not sublicense, rent, lease, convey, modify, translate, convert to another programming language, decompile, or disassemble the software for any purpose. You may make as many copies of this software as you need for backup purposes. You may use this software on more than one computer, provided there is no chance it will be used simultaneously on more than one computer. If you need to use the software on more than one computer simultaneously, please contact us for information about site licenses. Since this software is distributed as shareware. You are free to use, copy, and distribute LoanPmt if: 1. No fee is charged for use, copying or distribution. Clubs, user groups, shareware libraries, etc. may charge a nominal fee of $10 or less (plus shipping, handling and taxes) for distributing LoanPmt. 2. LoanPmt must always be called SHAREWARE and the registration fee must be stated. 3. The program and documentation are not modified in any way. 4. All distribution disks must contain the files: LOANPMT.EXE INVOICE.TXT QKSTART.TXT APPENDXA.TXT LOANPMT.OVR EXAMPLE1.PMT README.TXT LPMTINIT.PMT LOANPMT.TXT EXAMPLE1.AMR README.BAT LOANPMT.ICO These file names may not be changed, but they may be archived or combined into one file named LOANPMT.ARC, LOANPMT.ZIP, etc. to save space for distribution. 5. If you find this program useful, then register your use. To register, fill out and return the User Registration Form and Invoice in this manual (or in the file INVOICE.TXT) along with the registration fee to be eligible for user support, etc. If you use this software for more than ninety (90) days, you are required to purchase a registered copy. Site licenses and commercial licenses are available. Write to Data Language Systems for more information. 48 When you register your use of these programs, you will be eligible to receive user support, and you will receive notices of future upgrades and bug fixes, etc. Any use or distribution of the LoanPmt program constitutes agreement to and acceptance of this license. This license and your right to use the software automatically terminate if you fail to comply with any of the provisions of this license. If you have questions or comments about the use, licensing, or registration of this program, or to submit enhancement requests or report bugs, please write to Data Language Systems at the address shown on the registration form, or drop us a line on CompuServe 72331,240. USER SUPPORT If you experience problems, need help, have questions, etc. about LoanPmt, then Data Language Systems wants to hear from you. Feel free to write us about anything you have to say about our program even if it is a complaint. If you prefer, you may call us, but a letter (or an ASCII file on a 5 1/4" or 3 1/2" disk, if you prefer) usually works best. Our address is: Data Language Systems 10520 W. SR 32 Yorktown, IN 47396 You may also contact us via CompuServe E-Mail. Send your messages to Don Swartz, 72331,240. The author of LoanPmt is usually available for user phone support Monday through Friday, 5:00PM-9:00PM EST. Please only call between the hours listed for phone support, and please note that Indiana does NOT observe EDT (Eastern Daylight saving Time) during the summer months. So, please plan your calls accordingly. Call (317) 759-7367 and ask for Don Swartz. Please don't get discouraged if he is not always available. We still want to do everything we can to help you. Please call back. A NOTE ABOUT SHAREWARE LoanPmt is a Shareware program. Sometimes Shareware has been called Freeware, User Supported Software, and other names. Shareware is NOT Public Domain software and it is not FREE. Data Language Systems retains all rights to the software and its documentation under the copyright laws and simply allows 49 distribution of this program and the documentation with the few restrictions listed in the Software License in this manual. Since this program is Shareware, you may look at, keep, copy, etc. the software and the documentation, but if you use this program, then register your use with Data Language Systems. The registration fee for LoanPmt is an inexpensive way to: 1. Guarantee you have the support of Data Language Systems. 2. Make sure you will know about updates, enhancements, bug notices and fixes, etc. 3. Allow Data Language Systems to make these programs even better. 4. Give credit to and compensate the author for providing you with a program that has been useful to you. You are free to run this software on your computer to make sure it is compatible with your system and to make sure it operates to your satisfaction before you "buy it" by sending in the registration form and fee. Considerable time, effort, and expense have been expended by Data Language Systems developing, supporting, and upgrading LoanPmt. So, please, if you find this program useful, send in your registration fee so Data Language Systems can continue to support and improve the program. But, if after testing the software, you find it unsatisfactory or incompatible, we welcome your comments. User satisfaction is our goal at Data Language Systems, and only by hearing from the people who use this software can we achieve this goal. DISCLAIMER The LoanPmt program and its documentation are Copyright (C) 1989-1993 by Data Language Systems. All rights reserved. DATA LANGUAGE SYSTEMS DISCLAIMS ALL WARRANTIES RELATING TO THIS SOFTWARE, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL SUCH WARRANTIES ARE EXPRESSLY AND SPECIFICALLY DISCLAIMED. NEITHER DATA LANGUAGE SYSTEMS NOR ANYONE ELSE WHO HAS BEEN INVOLVED IN THE CREATION, PRODUCTION, OR DELIVERY OF THIS SOFTWARE SHALL BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE SUCH SOFTWARE EVEN IF DATA LANGUAGE SYSTEMS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIMS. IN NO EVENT SHALL DATA LANGUAGE SYSTEMS LIABILITY FOR ANY DAMAGES EVER EXCEED THE PRICE PAID FOR THE LICENSE TO USE THE SOFTWARE, REGARDLESS OF THE FORM OF CLAIM. THE PERSON USING THE SOFTWARE 50 BEARS ALL RISK AS TO THE QUALITY AND PERFORMANCE OF THE SOFTWARE. Some states do not allow the exclusion of the limit of liability for consequential in incidental damages, so the above limitation may not apply to you. This agreement shall be governed by the laws of the State of Indiana and shall inure to the benefit of Data Language Systems and any successors, administrators, heirs, and assigns. Any action or proceeding brought by either party against the other arising out of or related to this agreement shall be brought only in a STATE or FEDERAL COURT of competent jurisdiction located in Delaware County, Indiana. The parties hereby consent to in personam jurisdiction of said courts. Any use of the LoanPmt program and its documentation constitutes agreement to and acceptance of this disclaimer. Data Language Systems, however, does warrant that any LoanPmt distribution diskettes and documentation manuals obtained directly from Data Language Systems will be free from defects in materials and workmanship under normal use for ninety (90) days from the date of delivery to you as evidenced by a copy of your Data Language Systems shipping invoice. If you wish to claim a defective disk or manual under this warranty, you must send the defective item and a copy of your Data Language Systems invoice to us. Disks and manuals obtained free with program registration will be replaced. Disks and manuals purchased separately can be refunded or replaced. If this is the case, please specify which you want. Shipping and handling charges are not refundable. Replacements or refunds will only be made after the item and the copy of your invoice have been returned to Data Language Systems. Distribution diskettes obtained from other Shareware distributors are not covered by this warranty. Only diskettes with Data Language Systems' original LoanPmt label on them and original documentation manuals produced by Data Language Systems are covered by this warranty. OTHER DATA LANGUAGE SYSTEMS SHAREWARE PROGRAMS DIRSRCH - DIRSRCH is a directory search utility program. It finds files that match a given file specification that are located anywhere on your disk. A listing of matching files is then displayed. DIRSRCH can find hidden and system files that the DOS DIR command cannot. Alternately, DIRSRCH's output can be redirected to a file or a printer. The listing contains the date, time, size, attribute, directory, and name of each matching filename found, total number of bytes in files listed, and the number of free bytes left on the disk. 51 DIRSRCH is most useful for finding lost files tucked away in a forgotten directory or for finding duplicate files scattered around the directories of your hard disk. It can be used much like DOS's DIR command to list whole directories or portions of one. It can also list every file and directory on a hard or floppy disk. This utility is essential for anyone who has a hard disk. MOLDWT - MOLDWT is designed for use by designers, builders, and processors of plastic injection, die cast, and other types of molds. This program is an easy-to-use mold weight and mold center of balance calculator program. It can compute these values for "A" and "B" type molds and 5-plate and 6-plate stripper molds. The mold type is menu selectable. Linear units are menu-selectable between inches and millimeters. Weights are also menu-selectable between pounds and kilograms. All computed variables are constantly updated whenever any new data field is entered. Direct data field access is provided and bulk data can be entered for plate widths and lengths. The program's results can be printed or saved to disk, and each plate's individual weight is added to the results. Mold parameters can be saved to disk and previously saved parameters can be reloaded via a file selection menu. Mold data disks containing "STANDARD" mold parameters are separately available. MOLDWT is SHAREWARE and its registration fee is $35.00, which includes a free data disk of your choice. Mold data disks are NOT SHAREWARE and are $10.00 each. A distribution disk containing all program files and documentation files can be obtained directly from Data Language Systems for your evaluation. Simply fill in and mail the Invoice either from this manual or the file INVOICE.TXT, along with your payment, to receive the diskettes you want. 52 USER REGISTRATION FORM LoanPmt; COPYRIGHT (C) 1989-1993, DATA LANGUAGE SYSTEMS ALL RIGHTS RESERVED To register LoanPmt, complete this form and the Invoice on the following page and mail them with and your check, money order, or charge card information to: Data Language Systems or via CompuServe 10520 W. SR 32 72331,240 Yorktown, Indiana 47396 (Please print) DATE: _______________ LoanPmt Ver 2.1 (Please Check One) ( ) MR., ( ) MS., or ( ) ________ NAME: _____________________________________________________ COMPANY: _____________________________________________________ STREET: _____________________________________________________ CITY: _____________________ STATE: _______ ZIP: __________ COUNTRY: _____________________________________________________ PHONE: (_________) ________________________________________ MICROCOMPUTER BRAND: _________________ MODEL: __________________ MONITOR: ( ) Monochrome ( ) Color VIDEO CARD: ( ) MDA ( ) CGA ( ) EGA ( ) MCGA ( ) VGA ( ) Other __________________________________ SYSTEM PROCESSOR: ( ) 8186 ( ) 8188 ( ) NEC V20 ( ) NEC V30 ( ) 8086 ( ) 8088 ( ) 80286 ( ) 80386SX ( ) 80386 ( ) 80486 ( ) Other _______________________ MATH COPROCESSOR: ( ) 8087 ( ) 80287 ( ) 80387 ( ) Other _________________ SYSTEM MEMORY ________K. EMS MEMORY ________K. IBM/MS-DOS Ver # __________ EMS Ver # _________ DISK DRIVES: # ___ 5 1/4" Floppy _____ MB, # ___ 3 1/2" Floppy _____ MB. # ___ Hard Drives _______ MB. PRINTERS: ( ) Dot Matrix ( ) Laser ( ) Other __________________ Printer brand name & model# _______________________________ HOW DID YOU ACQUIRE THIS PROGRAM: ( ) BBS ___________________________________________________ ( ) User Group ____________________________________________ ( ) Shareware Library _____________________________________ ( ) From a friend ( ) Direct from Data Language Systems ( ) Other _________________________________________________ WHAT WOULD YOU LIKE TO SEE ADDED TO THIS PROGRAM? ________________________________________________________________ ________________________________________________________________ COMMENTS: ________________________________________________________________ ________________________________________________________________ 53 Remit to: Data Language Systems INVOICE # 020193 10520 W. SR 32 Yorktown, IN 47396 (317) 759-7367 CompuServe 72331,240 Ship to (please print): _________________________________________________ _________________________________________________ _________________________________________________ _________________________________________________ _________________________________________________ UNIT PRICE DESCRIPTION QTY (U.S.$) TOTAL LoanPmt registration. (includes free disk and printed _____ $25.00 ___________ manual of latest version.) Add'l LoanPmt distribution disk. _____ $5.00 ___________ Add'l LoanPmt manual. _____ $10.00 ___________ TPCSHELL distribution disk. _____ $5.00 ___________ DIRSRCH distribution disk. _____ $5.00 ___________ MOLDWT distribution disk. _____ $5.00 ___________ Disk Size: 5.25" (__) or 3.5" (__) (5 1/4" will be sent if no selection marked.) SUB TOTAL: ___________ SALES TAX (Indiana Residents only) 5% ___________ (If tax exempt, attach Tax Exemption Certificate.) Shipping & Handling: US - $3.50 Canada, & Mexico - $4.50 All other locations - $6.00 ___________ TOTAL: ___________ TERMS: All orders must be prepaid IN U.S. FUNDS by Check or Money Order (DRAWN ON a U.S. or Canadian BANK), or MasterCard or Visa: Method of payment (check one): ( ) Check ( ) Money Order ( ) MasterCard ( ) Visa Charge card users must fill out the following, or phone (317) 759-7367 (5:00PM-9:00PM EST). You also may send the registration, invoice, and charge card information via CompuServe E-Mail to 72331,240 Account No. _______ _______ _______ _______ Exp. Date _______ Signature: ___________________________________________________ (required for all charge cards)