Shareware Overload/ShartewareOverload.cdr/busi/faca.zip/FACA.TXT

Text File | 1989-11-06 | 19KB | 533 lines

                   LICENSE AGREEMENT



You May:

1.   Use the program on a single machine.

2.   Copy the program into your machine or onto another
floppy  disk for use as an archival backup, in  support
of your use of the program on a single machine.

3.    Transfer  the  program  and  license  to  another
individual if the other individual agrees to accept the
terms  and conditions of this license. If you  transfer
this  program  you must do so in  its  entirety  and/or
destroy all copies not transferred.



                   TABLE OF CONTENTS

                   INTRODUCTION
                   FEATURES
                   GETTING STARTED
                   DATABASE
                          1. Data Window
                          2. Info Window
                   BALANCE SHEET
                          1. Current Assets work sheet.
                          2. Fixed Assets work sheet.
                          3. Current Liabilities / LTD work sheet.
                          4. Stockholders Equity work sheet.
                   INCOME STATEMENT
                          1. Income Statement work sheet.
                   INDIVIDUAL RATIOS
                          1. 16 different ratios
                   COMPLETE RATIO ANALYSIS / TREND
                   TREND ANALYSIS


INTRODUCTION


Financial  and  Credit Analysis was designed  with  the
financial analyst in mind. This flexible, user friendly
program  enables the analyst to input information  from
the  financial statement and then lets the  program  do
the work.

This  productivity  tool should be used as  an  aid  in
helping  the  analyst look in the right  direction  and
guide him into further interpretation.

It should be kept in mind, that the full importance  of
any of the ratios or the other measurements, depend  on
the direction of the trend and its relationship to some
predetermined  standard or industry  average.  Remember
that  this  is an aid to analysis  and  interpretation,
this is not an alternative for sound thinking.

FEATURES

1.   DATABASE
2.   BALANCE SHEET
3.   INCOME STATEMENT
4.   INDIVIDUAL RATIO ANALYSIS
5.   COMPLETE RATIO ANALYSIS/TREND
6.   FINANCIAL TREND



GETTING STARTED


The first thing you should do with your disk is to make
an archival copy of the original. Follow the procedures
below:


       1. Bring up your system.

       2. Be sure your screen shows the a:> prompt if
           not change it to a:>.

  THIS PROCEDURE IS FOR COMPUTERS WITH TWO (2) DRIVES


          A. Insert disk into A drive.

          B. Insert FORMATTED blank disk into B drive.

          C. At the A:> prompt type in  COPY *.* b:


AFTER  COPY PROCESS IS COMPLETE REMOVE BOTH  DISKS  AND
STORE THE ORIGINAL IN A SAFE PLACE.(Work only with your
archival copy.)

FOR  COMPUTERS  WITH ONE (1) FLOPPY DRIVE  AND  A  HARD
DISK DRIVE.

          A. Change A:> to C:>
          B. At C:> type MD FACA
          C. C:> CD\FACA
          D. Insert original disk in A drive.
          E. Type COPY A:*.*

AFTER  COPY PROCESS IS COMPLETE REMOVE DISK  FROM   "A"
DRIVE  AND  STORE IT IN A SAFE PLACE. (Work  form  your
Hard drive.)

Now you are ready to use the program.

       3. At the prompt at which ever drive you  are
          on type in FACA.

             EXAMPLE    A:> FACA    (Press Enter)
                        B:> FACA    (Press Enter)
                        C:> CD\FACA (Press Enter)
                        C:> FACA    (Press Enter)

By default, the program works with the database located
in  the drive you are logged on. You can change it,  by
specifying the database drive on the command line.  For
example, you are logged on drive A ( A: appears on  the
screen),  but  you would like to have  a  database  for
Credit  analysis  on a separate disk  for  confidential
reasons  on  a  disk in drive B:.  Just  type  FACA  B:
(Enter). The work will be saved to the B: drive disk.


You can also do it for the hard disk. First make a sub-
directory on you hard disk called DATA. For example  MD
DATA. At the C: prompt type in FACA C:\DATA.


We  tried  to  anticipate  all  the  configurations  of
monitors and graphics cards. In order to cover all  the
bases  we included switches for monochrome screens  and
for "snow" when you go from screen to screen.


If  you have a monochrome monitor, and the contrast  on
the screen is toned down, exit the program and use  the
switch /M.  For example, at the prompt type in FACA /M.

If  you see "snow" as you go from screen to screen  you
should  exit  the program and use the  switch  /S.  For
example,  at  the  prompt type in FACA  /S.  This  will
eliminate  the "snow", but will slow down  the  program
somewhat.

You  can  combine  all  and  any  option  jointly.  For
example;  "FACA  B: /M/S"  will put  your  database  on
drive B: with "snow" checking and enhanced contrast  on
monochrome monitors. You can enter the switches in  any
order.

As  soon as you hit the Enter key it will be 15  to  20
seconds  before  you will be able to enter  your  first
customer name and the financial information.

The  first screen you should see is our  copyright  and
disclaimer notice. Please take the time to read it over
and then hit the Enter key.

The  second  screen you should see is the  MENU  screen
with the following options:

               1. DATABASE
               2. BALANCE SHEET
               3. INCOME STATEMENT
               4. INDIVIDUAL RATIOS
               5. COMPLETE ANALYSIS
               6. TRENDS
               7. EXIT


We  suggest for the first time to follow the  order  as
they  are listed on the menu. After you get a feel  for
how the program works you can feel free to explore.

Each item on the menu is covered in detail in following
chapters.

DATABASE

Entry  into the DATABASE is as simple as  pressing  the
ENTER  key  when DATABASE is highlighted  on  the  MENU
screen.  If  it is not highlighted and you want  to  go
into the DATABASE  from the MENU screen, just press the
letter  D  on your keyboard. You may also use the arrow
keys to move to the DATABASE option, and then press the
Enter key.

Press Enter if highlighted, if not press the letter D.

We  first recommend that you press the F1 key once  you
are in the DATABASE so as to acquaint yourself with the
various function keys.

DATA WINDOW

Since  this will be your first entry the DATABASE  will
be  empty.  As you look at the screen you  will  notice
that  the  Name:  area is  highlighted.  Type  in  your
customers name and press Enter.  This will move you  to
space for an address. Note that the Address:   area  is
highlighted  now.  Type in the  customers  address  and
press  Enter.  Continue until you have  filled  in  the
comment  section. Note that you do not have to fill  in
any  spaces, but we do recommend you put the  customers
name  in so you can identify the financial  information
at  a  later date. NOTE the program will  not  save  or
update the record in the DATABASE without the  customer
name.

We  would also recommend that when entering the  Fiscal
Year  End   you  use  the numbers  1  through  12  that
correspond  to that month. This enables the program  to
sort the months properly.

Be  sure to SAVE your input by pressing F6  only  once.
Every time you hit F6 you create a new entry, so unless
you want duplicates only press it once.

Use of the function keys in the DATABASE option is very
simple.  The F1 should be more than enough  explanation
on the way they are used. Here we will go into a little
more detail on how to find, and update records.
In  order to find the record press Alt-A, to clear  the
screen,  then  type  in the name of  the  customer  and
eventually   the  other  index  key  information.   For
example, if your index key is name, then all you do  is
enter  the customers name in the name field, and  press
F3.

If  you  prefer  to  look  by  state,  then  press   F9
repeatedly,  until "state" appears in the info  window.
Next  enter the state in the field and press  F3.  This
will  bring  up  the  first  customer  record  in   the
requested  state. By pressing PgDwn you will  bring  up
the next record in the file under that state.

You  can  also enter customer name and state  and  then
press F3. The program will try to find the exact  match
in the DATABASE. If it is unable to find an exact match
it  will  bring up the closest match and will  beep  at
you, alerting you, that while it did not find an  exact
match  it did find something, but not exactly what  you
where looking for.

After working with the various entries, doing  whatever
changes  that had to be made, you can SAVE the  changes
by pressing F7. This will not generate a new entry,  it
will just save the change you made to the record.

INFO WINDOW

This  window give you the Mode and Index key you're  in
at the present moment.

MODES

There are two (2) Modes. By pressing F2 you can  toggle
between  ENTRY  Mode and BROWSE Mode.  The  Entry  Mode
allows  you to use the DATA WINDOW and the Browse  Mode
lets you see 11 customers at a glance.

F2 / Mode: ENTRY OR BROWSE
INDEX KEY

The  Index key is for sorting your  database  according
to:
          1. Name
          2. State
          3. Zip
          4. Year-End
          5. Rating

Use the F9 key to change how your database will sort.

F9 / INDEX KEY


BALANCE SHEET

Welcome to the BALANCE SHEET.

The  first thing you should check for is that the  name
of  your customer is correctly displayed at the top  of
the balance sheet, second that the year ending is  also
correct. If they are not, you should go back and change
them in the DATABASE. Lets assume they are correct.

First  press  the F1/Help key. This will  help  you  to
become  familiar as to what the various  function  keys
are for, and what they do on this screen. Press any key
to continue.

As  you look at the screen you will notice that  it  is
lacking  the financial data. The next steps will  allow
you  to  take your financial statement in hand  and  by
pressing  the  F2/CURR key you will notice that  a  new
screen  has  appeared on your screen over  the  balance
sheet.  This  is  the CURRENT ASSET  work  sheet.  This
screen  allows  you to input data from  your  financial
statement on to the BALANCE SHEET.

Lets get started. Press the F2/CURR key.

Press the F1 key. It will give you a description of the
five (5) function keys available for this screen.

Press any key and lets start entering data.

  A. Entering the year. (Press Enter)
  B. Enter all Cash and anything Equivalent to cash.
  C. Enter Total accounts receivable. (Press Enter)


At this point you should be ready to enter  information
about the inventory. You will note that there are  four
(4)  spaces for description and dollar  amounts.  These
can  be changed to suit your needs. Press the  F3/Descr
key and then press the space bar. What was currently in
that  field is now gone and can be changed to your  own
description.  The  same  goes for the  other  four  (4)
fields.

Input Prepaid expenses.  (Press Enter)

If  your customer has any other current  assets listed,
you  have three (3) spaces for descriptions and  dollar
amounts. Follow the same instruction as listed above to
change   the  descriptions.  With  this   field   being
complete,  be  sure your current assets on  the  screen
balance to your financial statement.

Your  next step is to transfer the information  to  the
balance   sheet.  This  is  done  by  simply   pressing
F2/Balan.

You  will notice that the CURRENT ASSET work sheet  has
dropped and you can see that the numbers now appear  on
the balance sheet in the Current Asset section.

The other three (3) Work Sheets work in the same way as
the Current Asset work sheet. We will walk you  through
the  next  Work  Sheet which is the  Fixed  Asset  work
sheet.

Lets start by pressing F3/Fixed key.

Press  the  F1  key for a description  of  the  various
function keys for this screen.

Notice that the Fixed Asset work sheet has come up. The
year should already be in if you have input the Current
Asset work sheet, if not, put in the year and press the

Enter key.

Your  first three entries allow you to change  them  to
suit  your needs. (Note Land is lower down on the  work
sheet.)  You can use the description already  there  or
input  your  own by using the F3 key.  After  you  have
completed  this  section move on  down  to  Accumulated
Deprec., then Land and then the final section which  is
for  any  other fixed asset that may be listed  on  the
financial statement. You have six (6) spaces  available
for  descriptions and amounts. When you have  completed
this  section, note in the lower right hand  corner  at
the  TOTAL  ASSETS. Be sure it ties  to  the  financial
statement.

When  you are finished with the Fixed Asset work  sheet
press  the F2/Balan key. As you can see the number  now
appear on the balance sheet in the Fixed Asset  section
of the balance sheet.

As you will soon see ALL the Work Sheets have the  same
five (5) keys in common.

You  have noticed by now that there are two  (2)  other
keys,  F8/PrvYr and F9/NxtYr. You can enter up to  five
years  of financial information from the work sheet  or
you can toggle through the different years if you  have
them in the database.

There  is  no  special  order  required  for   entering
financial  information. Input the year and the  program
will sort the years automatically in descending  order.
If you have entered five (5) years, and you would  like
to  enter a new year, bring up the year you would  like
to  replace (press F8 or F9 ) and start typing the  new
information  over  the old. The program  will  sort  it
after you are done.

We  will  leave  the Liabilities  and  the  Stockholder
Equity work sheet to you. If you are in doubt press the
F1/Help key. That is how close help is.

After  you are finished with the balance sheet go  back
to the DATABASE and press the F7/Update or F6/Save key.
This  will save the information you have put  into  the
Balance Sheet in the DATABASE.

Our  next  step is to put information into  the  Income
Statement.


INCOME STATEMENT

The  first  thing  you  should  do  before  doing   any
inputting  is  to  check the customers  name  and  year
ending  at  the  top of the screen.  Be  sure  you  are
inputting  the correct financial information  from  the
financial  statement  for the customer  listed  on  the
screen.

Let's  look  at the screen. This screen will  show  you
three  (3) years at a glance. Press and hold  down  the
right arrow key on your keyboard, you will notice  that
the screen will start scrolling to the left giving  you
access  to  two  more  years  of  additional  financial
information.  This  screen will give allow  to  compare
three consecutive years at a glance.

Lets get started. Press the F1/Help keys. Acquaint your
self  with what the various function keys do.  Remember
the  F1  key will inform you what to do  if  you  can't
remember which key does what. Press any key.

Press F2/Work, up pops the Income Statement Work Sheet.

     A. Enter the year. (Press Enter)
     B. Enter Net Sales. (Press Enter)
     C. Enter Cost of Sales. (Press Enter)

As  you  can see, every time you press  the  Enter  key
after  an  entry, it moves you to the next item  to  be
input on the work sheet.

This   Work  Sheet  allows  you  to  enter  three   (3)
descriptions  for  SG & A if you need to  and  we  have
allowed  for four (4) different descriptions for  Other
income.  Some will use more while other will  only  use
one (1) or two (2).

Remember F3 to input the description.

Go  ahead  and complete this work sheet. When  you  are
finished be sure to check you numbers and be sure  that
the  Net  Income  figure  agrees  with  the   financial
statement.

Remember  what the Income Statement looked like  before
you completed the Work Sheet. Now press F2/Stat. Notice
that the numbers you input on the Work Sheet now appear
on  the  Income  Statement screen and  each  number  is
followed by a percentage.

This  percentage  is the percentage of Sales  for  each
item listed.

At this point be sure to go back into the DATABASE  and
"SAVE" (F6) your work. We don't want you to go  through
re-entering all the information again.


INDIVIDUAL RATIOS

The Individual Ratio screen is somewhat different  than
the  other screens, but there are some similarities  in
the function keys.

Lets  start  by pressing F1/Help. This  will  help   to
familiarize  you with the various functions.  You  will
find that two (2) of the keys function the same way  as
on the previous screens, the only different key on this
screen is the F2/Enter function keys.

By default the program comes up with the Current  Ratio
ready  for your review. Now press the down arrow,  only
once. As you can see the Quick Ratio is highlighted and
the  information in the low box has changed. Each  time
you  press the down arrow key you change the Ratio  you
are  looking  at,  plus  the  formula,  numbers   being
analyzed and the description of the Ratio.

Now  press  the  F2/Enter key you will  note  that  the
number below the formula has been highlighted, you  can
now change that number if you so choose. Now press  the
Enter  key, you will note that the next number  in  the
formula  has been highlighted and at this time you  can
change  this number if you choose. The changes in  this
area  are  not  saved to the  database.  When  you  are
finished  press Enter, and this will return you to  the
ratio selections above.


COMPLETE ANALYSIS

Press  the F1/Help key. As you can see there  are  only
two (2) active function keys.

The  Complete Analysis screen gives you  a  comparative
view  of all the ratios. All of these ratios  are  also
listed  as individual ratios. There are no work  sheets
to  deal  with,  just an overview for you  to  see  and
analyze  trends that may be starting, that may  concern
you.



TREND ANALYSIS

Press  the F1/Help key. As you can see on  this  screen
there are only three (3) Active function keys.

This  screen  is capable of showing five (5)  years  of
Asset  data  for  comparative  review.  Now  press  the
F2/Liab key, on this screen you can also have five  (5)
years of Liability and Stockholders Equity data.

These  screens give you a five (5) year trend based  on
dollars. As you can see there are no worksheets to deal
with  on  these screens. To make any changes  to  these
screens  press  F1 and follow the  instruction  on  the
screen.