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User's Choice Windows CD
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User's Choice Windows CD (CMS Software)(1993).iso
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windows5
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win3vest.zip
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INSTRUCT.DOC
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1992-01-02
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Instructions on how to use the programs.
First: Make a backup copy of this program and keep it in a safe place.
Mouse: Click on the menu buttons to activate the various menus, text
and dropdown boxes.
KeyBoard: Use ALT+ the underlined letter on the button you wish to activate.
Use the TAB key to move through the menus and the input boxes.
Use ALT+DownArrow to open and close the dropdown boxes.
These are the input boxes with a DownArrow beside them.
To Scroll through the Text and Help boxes, first activate them with
the TAB key and then use the PgDn and PgUp keys.
Command
Buttons: [OK] means yes, complete the procedure, such as add record to the file.
[Cancel] means no, do not complete the procedure.
[Exit] will quit that procedure or menu and go back to the previous menu.
[To Printer] will send the data or text in that program to the Printer.
Fonts: Courier font is used in the calculation tables, as it is a non-proportional
font and allows figures in colums to lineup properly. You must have it
installed in Windows. I use Coure.Fon as I have a Vga Monitor.
Sample: This is a sample Datafile which shows various entries in the Fund
Management program.
When using Help for input information, the examples which show the different
ways of entering data for various results, will be lined up with the input boxes
beside them if you use the PgDn key.
When entering figures, do not include dollar($) or comma(,) signs, the only signs
that can be used are the decimal point(.) and the minus(-) sign.
Loading Files: Select the Drive and Directory. Files with the extension .WMS
will be shown in the Filebox, either click on the filename or enter the
filename with extension in the Textbox and click OK.
Saving Files: Select the Drive and Directory. Files with the extension .WMS
will be shown in the Filebox, click on the filename under which you
wish to save the file. If you want to save under a different filename
then enter the new filename with extension .WMS in the Textbox and
click OK.
If you forgot the name of the file in memory, check in the Information
box and it will be shown there.
Remember that saving a file using a Filename already on your disk
will overwrite the one on disk with the new data.
Always make a backup copy of important files to another Drive/Dir
so that if the original is lost by inadvertantly overwriting it, you have
your backup to retrive the files.
Using the programs:
All Menu buttons have names that clearly describe the function they perform.
With the aid of the examples in Help that describe how to make entries in the
input boxes you should have no problem in getting your data files set up.
While the Income and Retirement Calculation have pre-programmed figures
in the dropdown boxes, you should use your own to work out what your savings
should be to give you the income you need on retirement in a given period.
When using Retirement Calculations, use a withdrawal of income percentage
less than the interest/growth percentage to allow for inflation.
Example: Inflation has been running at an average of 5% over the past 20 years
so if one is getting a return of 20% on Capital and taking out 15% then one is
keeping up with inflation as the Capital and Income are both increasing by
5% each year.