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Text File | 1991-06-12 | 26KB | 715 lines

--------------------- Welcome to Financier Plus ---------------------- Thank you for selecting Financier Plus by Virtual Srket Technology. Financier is an easy to use financial advisor, loan amortization, text editor, budget organizer, stock portfolio, checkbook ledger and calendar. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ + + + F I L E + + + ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ -------------------------------- New -------------------------------- Prepare to load a new document by erasing the current document. -------------------------------- Open ------------------------------- Shows a dialog box that allows you to select and load a new document. ---------------------------- Insert File ---------------------------- Shows a dialog box that allows you to select and load a new document at the current cursor position. -------------------------------- Save ------------------------------- Save current document to selected filename. A BUTTON called Save is included as a shortcut. ------------------------------ Save As ------------------------------ Save current document to selected filename. ------------------------------- Close ------------------------------- Use this option to save the working values and exit the program. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ + + + E D I T + + + ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ -------------------------------- CUT -------------------------------- Cut the selected text to the clipboard. Same as delete. -------------------------------- Copy ------------------------------- Copy the selected text to the clipboard. ------------------------------- Paste ------------------------------- Paste the text from the clipboard to the current cursor position. ------------------------------- Clear ------------------------------- Clear the selected text. ---------------------------- Select ALL ----------------------------- Select the entire document. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ + + + S E A R C H + + + ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ------------------------------- Find -------------------------------- Enter the string to search for. ----------------------------- Find Next ----------------------------- Enter the string to search for or find the next occurance of a previous string search key. ----------------------------- Replace ------------------------------- Enter a string to search for and a string to replace it with. You can alternatively choose to replace all occurances of the string. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ + + + A M O R T I Z E + + + ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ -------------------------- MONTHLY PAYMENT -------------------------- This option shows the monthly payment of a loan given the amount of loan, interest rate, and term or number of payments. The term is usually the number of months in the loan period. All of the input parameters and the monthly payment are displayed in the editor. The future value of the loan is also shown. A BUTTON called Payment is included as a shortcut. ------------------------- Iterate Interest -------------------------- Select this option to vary the interest rate over a user defined range. Just enter the present value, start interest rate, stop interest rate , interest rate increment, and loan term. The monthly payment and the incremental interest rates will be calculated. ----------------------- Amortization Schedule ----------------------- Enter the present value or amount of loan, interest rate, term or number of payments, add-in, and if there is a balloon on the loan. The add-in represents any insurance or other costs included in a monthly payment but not applied to the loan amount. If the balloon is either 0 or a number greater than the loan term then it has no effect. If the balloon is between 0 and the loan term then the schedule will stop printing when the value is reached. The schedule is shown in the editor and can be saved in ASCII format for use in other programs. A BUTTON called Schedule is included as a shortcut. ------------------------ Find Present Value ------------------------ This will determine the amount or the present value of the loan given interest rate, term or number of payments, and the monthly payment. -------------------------- Find Loan Term -------------------------- Use this option to determine the term or number of payments in a loan given the interest rate, present value or amount of loan, and the monthly payment. --------------------------- Rule of 78's --------------------------- Determines the interest amount of a loan with add-on interest with an early payoff. Simply supply the present value, future value, and how early the loan is paid off ( in other words supply a value between 1 and 12 representing the period within a calendar year that the loan was paid. The present and future values bracket the calendar year). ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ + + + F I N A N C E + + + ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ ------------------------- Accrued Interest --------------------------- When this option is selected the user can determine a simple interest in savings account situations. Just enter the amount of money, the interest rate and the number of days the money is drawing interest. The amount of money earned will be shown in the entry window. ------------------------ Compound Interest -------------------------- Given the amount of debit or credit in an account, the annual interest rate, and the number of periods this option will calculate the interest earned/charged to the account. A BUTTON called Compound is included as a shortcut. ------------------------ Ordinary Annuity --------------------------- Supply the interest rate, present value or amount, and the number of periods and the monthly payment will be calculated. ------------------------ Bond Present Value ------------------------- Select this option to calculate the present value of a bond given the maturity value, number of years, coupon value, and the desired yield. The present value and the input parameters are shown in the output window. --------------------------- Sinking Fund ---------------------------- Select this option to calculate the monthly payment given the future value, annual interest rate, and term of payments. ------------------------- Discount Yield --------------------------- Select this option to determine the annual percentage yield of a discounted security. The 360 day/year & 365 day/year percentage yields are shown in text editor given the purchase price, maturity value, and number of days til maturity. -------------------------- Future Value ---------------------------- Given the DISCOUNT RATE the future value of a given amount of money can be determined. ------------------------- Trend Analysis --------------------------- This is a linear least-squares fit to X/Y data. Use this to make predictions based on sales history , for example. Data can be entered in the text editor or in any other ASCII editor. The X value is in column 1 and the corresponding Y value is in column 2. The X and Y values are separated by a space. This section reads a data file with the appropriate format and prompts for a new value to calculate it's corresponding value. There is a limit of 100 data pairs. The file format should appear as below: 1.0 1200.0 2.0 1400.0 3.0 1300.0 4.0 1700.0 5.0 1600.0 6.0 1800.0 Find X: To find a new X value given some Y value choose the FIND X menu item. Find Y: To find a new Y value given some X value choose the FIND Y menu item. ------------------------------ Budget -------------------------------- Edit: Use this feature to subtract the last transaction from the budget file. You can also use this feature to mark the checks that have been paid by the bank. Simply use the BACK and NEXT buttons to find the transaction and push the PAID button. Add: Use this feature to add a transaction to the budget file. The last transaction is shown in the dialog box. The current balance is also shown. When ADD is selected the transaction will be added to the file and the balance updated. A BUTTON called Budget is included as a shortcut. A maximum of 600 transactions can be saved. Show: Popup a window and display the entire budget file or print to the text editor. Search Desc: Enter a search key (Wildcard characters * ? @ # may be used) to find all amounts paid corresponding to the search key. The search key is compared to the description of each transaction. You can enter part or whole words to search by. The case of the search key does not matter. The transactions and total will be shown in the budget window if a match is found. Search Date: Enter a search key (Wildcard characters * ? @ # may be used)to find all amounts paid corresponding to the search key. The search key is compared to the date of each transaction. You can enter all or part of a date. The transactions and total will be shown in the budget window if a match is found. Search Deposit: Enter a search key (Wildcard characters * ? @ # may be used) to find all deposits made corresponding to the search key. The search key is compared to the date of each transaction. You can enter all or part of a date. The transactions and total will be shown in the budget window if a match is found. Search Percent: Enter a search key (Wildcard characters * ? @ # may be used) to find all amounts paid corresponding to the search key. The search key is compared to the description of each transaction. You can enter all or part of a description. The transactions and total percent of budget will be shown in the budget window if a match is found. Search Unpaids: Enter a search key (Wildcard characters * ? @ # may be used) to find all checks not cleared corresponding to the search key. The search key is compared to the date of each transaction. You can enter all or part of a date. The transactions will be shown in the budget window if a match is found. Change Budget File: Changes the default filename. Use this to work with more than one account. ------------------------------ Stock --------------------------------- Edit: Use this feature to subtract the last transaction from the stock file. Add: Use this feature to add a stock purchase or sale to the stock file. The last transaction is shown in the dialog box. The current balance is also shown. When BUY is selected the transaction will be added to the file and the amount subtracted from the balance. When SELL is selected the amount will be added to the balance and the transaction will be added to the file. You can choose to enter a purchase as a negative number and sell as a positive number under the Price/Share category or vice-versa. A maximum of 100 transactions can be saved. Show: Popup a window and display the entire stock file or print to the text editor. Search Desc: Enter a search key (Wildcard characters * ? @ # may be used) to find all stocks bought or sold corresponding to the search key. The search key is compared to the description of each transaction. You can enter part or whole words to search by. The case of the search key does not matter. The transactions and total will be shown in the stock window if a match is found. Search Date: Enter a search key (Wildcard characters * ? @ # may be used) to find all purchases or sells corresponding to the search key. The search key is compared to the date of each transaction. You can enter all or part of a date. The transactions and total will be shown in the stock window if a match is found. Search Percent: Enter a search key (Wildcard characters * ? @ # may be used) to find all purchases or sells corresponding to the search key. The search key is compared to the stock name of each transaction. You can enter all or part of a description. The transactions and total percent of stock budget will be shown in the stock window if a match is found. Change Stock File: Changes the default filename. Use this to work with more than one account. ----------------------------- Assets/Debts -------------------------------- Edit: Use this feature to subtract the current transaction from the asset file. Add: Use this feature to add a debt or asset to the asset file. The last transaction is shown in the dialog box. Keep track of credit card debts, bank notes, savings accounts, etc. A maximum of 100 transactions can be saved. Show: Popup a window and display the entire stock file or print to the text editor. Search Date: Enter a search key (Wildcard characters * ? @ # may be used) to find all payment due dates corresponding to the search key. The search key is compared to the date of each transaction. You can enter all or part of a date. The transactions and total will be shown in the Asset/Debt window if a match is found. Search Payment %: Enter a search key (Wildcard characters * ? @ # may be used) to find all payments corresponding to the search key. The search key is compared to the account name of each transaction. You can enter all or part of a description. The transactions and total percent of debt will be shown in the Asset/Debt window if a match is found. Search Balance %: Enter a search key (Wildcard characters * ? @ # may be used) to find all balances owed corresponding to the search key. The search key is compared to the account name of each transaction. You can enter all or part of a description. The transactions and total percent of debt will be shown in the Asset/Debt window if a match is found. Change Asset File: Changes the default filename. Use this to work with more than one account. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ + + + O P T I O N S + + + ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ --------------------------- Clear Window ----------------------------- Select this to clear the editor and perform a general cleanup of unused variables. You may want to save the document before selecting this option if you want to retain the calculations. ------------------------ Days Between Dates -------------------------- Enter the first date and the second date to determine the number of days between the two dates. The day of week is also shown for the two dates. A BUTTON called Days/Dates is included as a shortcut. ----------------------------- Calendar ------------------------------- Current Month: Prints a calendar for the current month according to the system date. A BUTTON called Calendar is included as a shortcut. Current Year: Prints a calendar for the current year according to the system date. Any Month: Enter the month and year to print a calendar to the text editor. The current system date is shown as the title. The calendar defaults are the system month and year. ---------------------------- Calculator ------------------------------ A 6 function calculator is provided for those quick calculations from within the program. ------------------------------- Title -------------------------------- Place a title in the text editor at current cursor position. --------------------------- Set Password ----------------------------- Choose a 4 character password. You must use the CLOSE menu item to save the change. REMEMBER this password!!! The files are encrypted and difficult to interpret. Always keep a backup copy of FINANCIER Plus in case the password is forgotten. The only file that is needed to load in case of a forgotten password would be the original INITIAL.DAT since the password is somewhere in the file. As FINANCIER Plus is shipped a password is not required. This is because it is initially set to 0000. If you are using a password and decide to stop using one simply set it to 0000. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ + + + H E L P + + + ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ This feature displays a complete instruction manual. The manual is shown in a window that can be maximized, moved around, or closed with the system menu. Use the cursor keys or the Page Up and Page Down keys to navigate the document. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ + + + F I N A N C I E R O P E R A T I O N + + + ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ FINANCIER Plus uses a text editor to display all calculations. This makes it easy to manipulate, save, and load. The mouse can be used to highlight text by positioning the cursor over the area to select, holding down the mouse button, and dragging the cursor over the text. The selected text will invert. The Edit operations such as Cut & Paste can be used with the selected text. Standard editing keys such as Page Up, Page Down, Delete, and Insert can be used for navigating the current document. Eight BUTTONS are included at the top as shortcuts to the most commonly used features. Equivalent selections can be made from the pull-down menus. Appropriate shortcut key combinations can be used where applicable. When FINANCIER is first run a file named "INITIAL.DAT" is loaded with the last calculation values. This file is updated when you exit the program with the "Close" menuitem under File. The budget section uses a file named "BUDGET.DAT". The trend analysis sections use a file named "TREND.DAT". NOTE: These files must be in the same directory as FINANCIER Plus for proper execution. As the files fill with data the user may want to copy or rename the file and start over with a fresh file. This can be accomplished using the Copy or Rename options under the File menuitem of the File Manager. The most recent calculation is always shown at the top line of the editor. Other features follow the WINDOWS 3.0 (tm) operating standards. When using one of the search functions wildcards can be used. * will match 0 or more instances of a character ? will substitute for one instance of a character @ will match exactly 1 alphabetic character # will match exactly 1 numeric character When FINANCIER Plus is FIRST executed, the program starts in a normal fashion. If the password is set and saved then whenever the program is executed, the user will be prompted for the password. To iconize FINANCIER Plus simply click the minimize button in the upper right corner of the window. The scroll bars can be used to scroll up, down, left, or right in the window. The BUTTONS at the top of the window are shortcuts for menuitems also contained in the pull-down menus. These can save several steps when invoking a function. Since calculations are written to the text editor, the user can manipulate the data as required. A series of calculations may be performed and saved for a later date. Files are saved in ASCII which can be used in many other programs. When tax time rolls around use the checkbook ledger and stock portfolio to organize your yearly expenses. The sophisticated search functions will make this easy and quick. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ + + + D E F I N I T I O N S + + + ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ AMORTIZATION ------------ Described as a systematic reduction of an asset or debt over a period of time. An example might be the reduction of a loan principle on a monthly basis. ORDINARY ANNUITY ---------------- An annuity entails installments either in receipt or payment, where all are of equal amounts. When these receipts or payments are made at the end of the period it is called an ordinary annuity. Some examples might be rent, annuities from insurance companies, and pension plans. SINKING FUND ------------ Examples of this would be interest income and dividend income. Sinking funds are cash amounts or assets which are periodically put into a fund. This fund would be gathered for a specific reason, such as to retire stock or to pay off a debt when it reaches maturity. TREND ANALYSIS -------------- Trend analysis is a tool used to make predictions based on a two variable input. An example of this might be future sales based on the average monthly sales over the past year. The technique employed is a linear least-squares method. RULE OF 78'S ------------ The Rule of 78's is used by banks to develop an amortization schedule. Under this technique a borrower pays more interest during the beginning of the loan. As the borrower has less debt the amount paid in interest also becomes less. Interest can be saved by prepaying. The Rule of 78's is also referred to as the Sum of the Digits. The interest is equal to 12/78ths of the annual interest for the first month, 11/78ths of the annual interest for the second month, etc... ACCRUED INTEREST ---------------- This is simple interest like that earned on a savings account. The calculation of interest is based on the principle amount only. COMPOUND INTEREST ----------------- Compound interest is usually interest charged on an account where the annual interest rate is compounded at regular intervals (e.g. monthly). The new interest payment will include the principle plus interest earned on the principle during the last interval. An example of this type of interest might be credit card accounts. BOND ---- Bonds, issued by the government or corporations, are certificates of debt. They guarantee payment of the original investment including interest by some predetermined date. Bonds are rated based on investors perception of risk. A secured bond is backed by collateral which can be sold if the issuer fails to comply with interest or principle payments. A convertible bond allows the exchange for other securities by the same issuer at some date in the future. ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ + + + E X A M P L E S + + + ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ DETERMINE MONTHLY PAYMENT ------------------------- Select AMORTIZE Select Monthly Payment For a $10,000.00 loan At 10.00% interest For 48.00 months The monthly payment would be $253.63 The future value of the loan would be $12174.24 ITERATE INTEREST ---------------- Select AMORTIZE Select Iterate Interest Enter 100000.00 for Present Value At Start Interest Rate Enter 10.00 At Stop Interest Rate Enter 12.00 At Interest Rate Inc Enter 0.5 Enter 180 at Loan Term The monthly payment for a $10000.00 loan will be determined at interest rates between 10.00% and 12.00% TREND ANALYSIS -------------- Select FINANCE Select Trend Analysis Select Find Y Press ENTER to accept TREND.DAT as XY file Enter 21.00 at VALUE: prompt A plot will appear. Press any key to see numerical data. The predicted value is 3731.428... NOTE: This example is valid for the sample file included with FINANCIER.