                        FINANCIAL ANALYSIS

     EDIT BUDGET: Use this function to establish budgeted amounts for
each of the categories which you have defined. Budgeted amounts will be
used for approximating the tax calculations and also for the display of the
"plot trend vs. budget" graph. The budget-editing screen shows you the actual
amount spent or received during each month to help you establish realistic
budget amounts. The sum of all budgeted expenses and incomes is displayed on
the right side of the screen to help you see the overall picture.

     PLOT TREND vs. BUDGET: This will give you a graphical view of the
month-to-month trend of expenses or incomes and also a comparison of actual
amounts and budget amounts. When prompted for the category to plot, striking
the <Ctrl-L> key will list all of the categories you have defined and also
some "composite categories" such as total income, net cash flow or step-through-
categories. Stepping through categories allows you to step through the
categories one at a time starting at the category of your choice. To go back-
wards through the categories use the <Tab> key. End the stepping by striking
the <Esc> or <F10> key. You may combine the data of several (up to twenty)
categories by entering the category names or numbers separated by "," or "+"
(for the sum) or "-" (for the difference) or ":" (for a sequence).

     LOAN or SAVINGS ANALYSIS: You can define and store up to eight loans and
savings accounts and recall them at any time to check the current balance or
determine the interest paid (or earned) this year. Also by defining similar
loans side-by-side you can compare different interest rates or loan terms. To
define a loan you will need to enter the: 1) original principal, 2) original
date, 3) life of the loan, 4) annual interest rate, and 5) payment period.
PHASAR will calculate the payment due at each payment period and the amount of
interest paid over the life of the loan and during the current year (handy for
estimating taxes). The savings analysis is similar except instead of
specifying the term of the account you will specify the payment amount. NOTE:
The numbers calculated by the program are approximate, the actual payment
amounts and interest paid or earned may be different because of different
compounding periods or computer round-off errors.

