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CHAPTER 4: TECHNICAL DESCRIPTION =============================================================================== This chapter gives a complete technical description of all Account II functions. GETTING STARTED To start Account II, type C:\ACC93B\ACC. If you installed Account II on a drive other than drive C, replace the 'C:' with the correct drive letter. After a few seconds of disk activity, you are prompted to select a copy name. Use the up or down arrow keys to highlight the copy you want to run and press the Enter key. If no copies exist, the alert "No copies in this directory" appears. Refer to chapter 2 to create a copy. CALENDAR At any point in Account II, holding down the Alt (Alternate) key and pressing the C key displays three months of the calendar at the bottom of the screen. The month of today's date appears as the center calendar. Pressing the left arrow key scrolls the calendar to the right. Pressing the right arrow key scrolls the calendar to the left. Any month can be displayed between January 1968 and December 2031. Today's date is highlighted. MAIN MENU The MAIN MENU is divided into 6 windows as depicted below. ACCOUNT II - VERSION 93B MAIN MENU -Setup-------------- -Portfolios---------------- --Quit--------------------- |open new Account || PORTFOLIO A | -status------------------- |Block remove || ||Copy name 'TUTORIAL ' | |portFolio parameters|| ||Accounts 0 | |open new Portfolio || ||Lines free 135378 | |change pRinter || ||Printer LPT1 | |change today's Date || ||Today's date 10/25/93 | -------------------- --------------------------- -------------------------- =Accounts========< >=============================================== | | | | | | | | | | | | | | ============================================================================= -Tax forms------------------------------------------------------------------- | FZ1-FORM 1040 | | FA1-SCH A ITEMIZED DED. | | FB1-SCH B INTEREST INC. | | | | | ----------------------------------------------------------------------------- Setup - A collection of miscellaneous functions used to open a new accoJt, open a new portfolio, etc. CHAPTER 4: TECHINCAL DESCRIPTION 2 Portfolios - A spreadsheet type display that combines the information in the Accounts and Tax Forms to compute your after tax net worth. Quit - Although it doesn't look like a window, select quit to exit Account II. Status - Displays various system parameters. Accounts - All of your financial data, such as checking account, credit card account, savings account, house mortgage, salary, etc. are entered into the account section. You can open up to 255 accounts. Tax forms - Displays any of the tax forms (i.e. Form 1040, Schedule A, etc). Information entered in the accounts is used to complete the tax forms. MOVING AROUND IN THE MAIN MENU Upon entering the MAIN MENU, the 'Account' window is active. The active window has a double line and bold boarder. Pressing the Tab key cycles the active window throughout 5 of the 6 windows (the 'status' window is for display only and cannot be active). Hold down Shift and press Tab to cycle in the opposite direction. You can move directly from one window to another by holding down the Alt key and pressing the first letter of the desired window name (e.g. Alt- A to activate the Account window). Setup window To select a Setup option, use the up or down arrow keys to highlight the desired option and press the Enter key. Alternatively, you can press the mnemonic letter for the desired option (i.e. A for 'open new Account'). The mnemonic letter for each option is bold and capitalized. The following sections describe each option available in the Setup window. open new Account Used to open a new account. Upon selecting this option, you are prompted to select an account type, a complete the dialog box and enter the account title. (Refer to chapter 5 for more information on selecting account type and dialog boxes.) The account title may have up to 12 characters. The first character of the account title may not be a space. The new account title may not be identical to an existing account title ("Account title already exist." alert). A new account cannot be added if 255 accounts already exist ("You cannot open any more accounts." alert). Once a valid account title is selected, that account is created and displayed. CHAPTER 4: TECHINCAL DESCRIPTION 3 Block remove Removes all lines in all accounts with the selected date or earlier. This option is used to remove outdated transactions and free up more room in the accounts. Upon selecting this option you are prompted to enter a date. Today's date appears as the default. After the desired date is entered, the alert "Warning: You are about to permanently remove all lines in all accounts with this date or earlier. Do you really want to do this? (Y/N)" appears. If you still want to remove the account lines, press Y. Once the lines have been removed, you cannot get them back. portFolio parameters The 'staRt date', Interval', 'freQuency' and 'stoP date' work together to determine the dates of the portfolio columns. The 'Tax year' affects only the tax form display. staRt date - Determines the date of the first column of the portfolio display. The start date may range from 1/1/68 to 12/31/31. stoP date - Determines the date of the last column of the portfolio display. The stop date may range from 1/1/68 to 12/31/31. Interval - Used in conjunction with the frequency to determine the spacing between Portfolio column dates. Refer to the TRIAL LINE OPTIONS section of this chapter for the rules for incrementing dates. freQuency - Used in conjunction with the Interval to determine the spacing between Portfolio column dates. The Frequency may range from 1 to 255. Refer to the TRIAL LINE OPTIONS section of this chapter for the rules for incrementing dates. Tax year - Determines the year displayed when viewing a tax form. The year may range from 68 through 31. 68 through 99 are for years 1968 through 1999. 00 through 31 are for years 2000 through 2031. open new Portfolio Used to open a new portfolio. Upon selecting this option you are prompted to enter the portfolio title. The portfolio title may have up to 12 characters. The first portfolio title character may not be a space. The new portfolio title may not be identical to an existing portfolio title ("Portfolio title already exist." alert). A new portfolio cannot be opened if 12 portfolios already exist ("You cannot open any more portfolios." alert). CHAPTER 4: TECHINCAL DESCRIPTION 4 change pRinter port Selects the printer device to print the account display, tax forms, portfolio display and category display. The 'Printer port' parameter in the status window displays the current device. After selecting this option, you can choose between ports LPT1, LPT2 or LPT3. This selection does not determine the printer port for printing checks. Refer to the TRIAL LINE OPTIONS section of this chapter. change today's Date Used to change today's date. The date is entered in the month/day/year order. The year may range from 68 through 31. 68 through 99 are for years 1968 through 1999, while 00 through 31 are for years 2000 through 2031. The computer system date is not affected. Portfolios window Used to display and enter a portfolio. Use the up, down, left or right arrow keys to highlight the desired portfolio title and press the Enter key. Alternatively, you can type the title. An existing title that most closely matches the title you begin to type appears as the default on the top boarder of the Portfolios window. If this default is the desired portfolio, press Enter without typing the complete title. Otherwise, continue to type the desired title until the correct portfolio appears. The alert "Too many portfolio columns." appears if the computer runs out of memory. You must either increase the Start Date, decrease the Stop Date, or increase the Interval or Frequency in the 'portFolio parameters' of the 'Setup' window to correct this situation. Account II uses only 640k bytes of memory. Adding extended or expanded memory has no effect. The portfolios are listed in the order they were opened. Quit window Exits Account II and returns you to DOS. If any accounts have a '?' displayed in the Account window, you are prompted with the alert "Warning: Accounts still have '?'s. Do you still want to quit?" notifying you that lines exist in one or more accounts with a '?' in the check column on or before today's date. Press 'N' to return to the account window. 'Y' exits you to DOS. status window The following sections describe each parameter displayed in the 'status' window of the MAIN MENU. The 'status' window is for display only and cannot be active. CHAPTER 4: TECHINCAL DESCRIPTION 5 Copy name - Name you selected when this copy of Account II was created with the Utility program. (See chapter 2). Accounts - The number of accounts in this copy of Account II. The account titles are listed alphabetically in the 'Accounts' window of the MAIN MENU. Lines free - The approximate number of transactions that can be inserted into the accounts before the disk is full. Printer port - Determines which printer device is used to print copies of the account display, tax forms, portfolio display and category display. See 'change pRinter port' in the 'Setup' window section described above to change the printer port. Today's date - Determines the default date of the trial line when inserting transactions in the account display. This date is copied from the computer system upon bootup. See 'change today's date' in the 'Setup' window section described above to change this date. Accounts window Used to display and enter an account. Use the up, down, left or right arrow keys to highlight the desired account title and press the Enter key. Alternatively, you can type the title. An existing title that most closely matches the title you begin to type appears as the default on the top boarder of the Accounts window. If this default is the desired account, press Enter without typing the complete title. Otherwise, continue to type the desired title until the correct account appears. The accounts are listed in alphabetical order. Tax forms window Used to display and enter the tax forms included in this copy of Account II. Use the up, down, left or right arrow keys to highlight the desired tax form and press the Enter key. Alternatively, you can type the three letter code shown before the tax form title. An existing tax form code that most closely matches the code you begin to type appears as the default on the top boarder of the tax forms window. If this default is the desired tax form, press Enter without typing the complete code. Otherwise, continue to type the desired code until the correct code appears. The alert "Too many portfolio columns." appears if the computer runs out of memory. You must either increase the Start Date, decrease the Stop Date, or increase the Interval or Frequency in the 'portFolio parameters' of the 'Setup' window to correct this situation. Account II uses only 640k bytes of memory. Adding extended or expanded memory has no effect. ACCOUNT DISPLAY An account can contain up to 999 transactions with 15 transactions displayed on the screen at a time. An example of an account display is shown below. CHAPTER 4: TECHINCAL DESCRIPTION 6 ----------------------------------------------------------------------------- |CHECKING Lines 118 Date 10/29/93 Rate .000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 DEPOSIT X 100.00 100.00| | 2 1/ 3/93 101 SOFTWARE STORE -50.00 50.00| | 3 1/ 4/93 102 FOOD STORE / -25.00 25.00| | 4 1/ 7/93 ? TAKE HOME PAY SALARY b 520.00 545.00| | 5 1/14/93 ? PROJECTED EXPENSES -100.00 445.00| | 6 1/14/93 ? TAKE HOME PAY SALARY b 520.00 965.00| | 7 1/21/93 ? PROJECTED EXPENSES -100.00 865.00| | 8 1/21/93 ? TAKE HOME PAY SALARY b 520.00 1385.00| | 9 1/28/93 ? PROJECTED EXPENSES -100.00 1285.00| | 10 1/28/93 ? TAKE HOME PAY SALARY b 520.00 1805.00| | 11 1/31/93 ? 1ST SAVINGS & LOAN MORTGAGE -1200.00 605.00| | 12 1/31/93 ? MONEY MARKET B -105.00 500.00| | 13 2/ 4/93 ? PROJECTED EXPENSES -100.00 400.00| | 14 2/ 4/93 ? TAKE HOME PAY SALARY b 520.00 920.00| | 15 2/11/93 ? PROJECTED EXPENSES -100.00 820.00| | | |< > | | | | INSERT LINE <T> RENAME TITLE <D> DATE PAGE <V> RECONCILE | |<E> EDIT LINE <J> INTEREST RATE PRINT <Z> DELETE ACCOUNT | |<R> REMOVE LINE <Y> SET BALANCE <X> BLOCK REMOVE <O> TRIAL LINE ORDER| |<C> COPY LINE INITIAL BALANCE | ----------------------------------------------------------------------------- The top line of the account contains the following information from left to right: * Account title * Number of lines (transactions) in this account * Today's date * Account interest rate * Set balance amount The account lines are divided into 10 columns. The second line of the account display contain the labels for each column. The following is a brief description of each column. A more through description can be found in the Edit Trial Line section of this chapter. * Ln# - Line number (1-999). * Date - Transaction date. * Ck# - Check number. * Description - Description of transaction (up to 18 characters). * Transfer - Used to transfer funds between accounts. * Tax - A four letter code that corresponds to a line of a tax form. The amount column of this transaction is totaled on that line of the tax form. CHAPTER 4: TECHINCAL DESCRIPTION 7 * I - Interest. Used to automatically calculate the amount of accumulated interest. Also used to automatically adjust the balance column of this line to a specific value. * C - Cleared. Used to flag lines that have cleared the bank in order to reconcile the account. * AMOUNT - Amount of transaction. * BALANCE - Equals the balance of the previous line plus or minus the amount for this line. The first value at the top of the balance column is the same balance of the last line in the previous page. If page one is displayed, then this value is the beginning balance of the account. MOVING AROUND IN THE ACCOUNT Upon entering an account, the line closest to today's date is highlighted. You can move the highlighted line by pressing the up or down arrow keys. As the highlight reaches the top or bottom of the screen, the account lines scroll up or down until the top or bottom of the account is reached. Other keys used to move around in the Account display are: Page up - Scrolls the account down 15 lines. Page down - Scrolls the account up 15 lines. Home - Highlights the first line of the account. End - Highlights the last line of the account. Control-Home - Moves the highlight to the top of the screen. Control-End - Moves the highlight to the bottom of the screen. You can also move directly to the line of a specific date. See the section <D> DATE PAGE below. ACCOUNT OPTIONS Upon entering the Account display a number of options are listed at the bottom of the screen preceded by a letter in brackets. Press the appropriate letter to activate the desired option. The following sections describe the available option. INSERT LINE Used to insert one or more lines into the account. Once this option is selected, the trial line replaces the options at the bottom of the screen. (See the section EDIT TRIAL LINE in this chapter.) CHAPTER 4: TECHINCAL DESCRIPTION 8 <E> EDIT LINE Used to edit existing lines. Highlight the line you desire to edit and press the E key. The selected line is copied into the Trial Line and the Trial Line may be modified. (See the section EDIT TRIAL LINE in this chapter.) If the selected line has a lower case letter in the 'I' column, the alert "'I' column lower case" appears. You can not edit the line from this account. In order to edit this line, escape to the MAIN MENU and enter the account listed in the 'Transfer' column. You can then edit the corresponding line since the letter in the 'I' column is upper case. <R> REMOVE LINE Used to remove one or more lines from the account. Highlight the line you desire to remove and press the R key. The selected line is copied into the Trial Line, however no modifications may be made to the Trial Line. If the selected line has a lower case letter in the 'I' column, the alert "'I' column lower case" appears. You can not remove the line from this account. In order to remove this line, escape to the MAIN MENU and enter the account listed in the 'Transfer' column. You can then remove the corresponding line since the letter in the 'I' column is upper case. <C> COPY LINE Used to copy an existing line. Highlight the line you desire to copy and press the C key. The selected line is copied into the Trial Line and the Trial Line may be modified. (See the section EDIT TRIAL LINE in this chapter.) If the selected line has a lower case letter in the 'I' column, the alert "'I' column lower case" appears. You can not copy the line from this account. In order to copy this line, escape to the MAIN MENU and enter the account listed in the 'Transfer' column. You can then copy the corresponding line since the letter in the 'I' column is upper case. The highlighted line that is copied to the trial line is not affected by this option. <T> RENAME TITLE Used to change the account title. The account title on the top line of the account display is highlighted and you can enter a new title. The new account title may have up to 12 characters. The first character of the account title may not be a space. The new account title may not be identical to another existing account title ("Account title already exist." alert). CHAPTER 4: TECHINCAL DESCRIPTION 9 The account titles are reordered alphabetically in the Accounts window of the MAIN MENU. <J> INTEREST RATE Used to change the account interest rate. The Rate readout on the top line of the account display is highlighted. Any interest rate between -99.999 and +99.999 may be entered. The Rate is used to automatically calculate the amount column of all lines with an upper case 'C' or 'S' in the 'I' column. (See the description for the Interest column in the EDIT TRIAL LINE section of this chapter). <Y> SET BALANCE Used to change the account set balance. The Set readout on the top line of the account display is highlighted. Any balance between -999,999.99 and +999,999.99 may be entered. No commas are allowed however a space may be used to assist in entering large numbers. The Set balance is used to automatically calculate the amount column of all lines with an upper case 'B', 'L' or 'G' in the 'I' column. (See the description of the Interest column in the EDIT TRIAL LINE section of this chapter). INITIAL BALANCE Used to change the initial balance of the account. The first line of the account is displayed and the first balance of the account is highlighted. Any initial balance between -999,999.99 and +999,999.99 may be entered. No commas are allowed however a space may be used to assist in entering large numbers. <D> DATE PAGE Used to highlight the first line with the selected date. The date readout on the top line of the account display is highlighted. After the desired date is entered, the highlight bar moves to the first line with this date. Today's date is not affected. PRINT Used to send account lines to the printer. The 'Printer port' readout in the status window of the MAIN MENU determines which printer is used. Use the up arrow, down arrow, Page up, Page down, Home or End keys until the lines you want printed are highlighted, then press the P key. If the printer is not properly connected, the alert "Printer not ready." appears. If the printer is out of paper, the alert "Printer out of paper." appears. CHAPTER 4: TECHINCAL DESCRIPTION 10 <X> BLOCK REMOVE Removes all lines in this account up to and including the highlighted line. This option is used to remove outdated transactions and free up more room in the account. Highlight the desired line and press P. The alert "Warning: You are about to permanently erase all lines in this account up to and including the highlighted line. Do you really want to do this? (Y/N)" appears. If you still want to remove the accounts lines, press Y. Once the lines have been removed you cannot get them back. <V> RECONCILE Used to reconcile the balance on your monthly bank or credit card statement. You are first presented with the beginning balance. If this amount agrees with your bank or credit card statement, press the Enter key. You are next prompted to enter the check number and amount on the first transaction of your bank statement. The account is searched for the first line that matches the selected check and amount. If no match is found, the alert "No match." appears. If a match is found, that line is highlighted and copied into the trial line. If this is not the correct transaction, select <N> NEXT to continue the search. If this is the correct transaction, select <A> ACCEPT. The 'C' column of the highlighted line is set to '/' and you are prompted to enter another check number and amount. Each time you select <A> ACCEPT, a Running balance appears in the lower right corner of the display. This value is the total of all lines with '/' or 'X' in the 'C' column plus the initial balance at the top of the account. After reconciling all transactions on the statement, press the Esc key. The ending balance appears. This value should equal the ending balance on your bank or credit card statement. <Z> DELETE ACCOUNT Used to delete the displayed account. If any lines in this account are transferred to another account, the alert "Warning: some lines in this account are transferred to other accounts. Should these lines be deleted in the other accounts (Y/N)." appears. If you want these lines to also be deleted in the transfer account, press 'Y'. Otherwise, only the transfer column of these lines will be cleared. The alert "Warning: You are about to permanently remove this account." appears. If you really want to remove the account, press 'Y'. Once the account has been removed, you cannot get it back. CHAPTER 4: TECHINCAL DESCRIPTION 11 <O> TRIAL LINE ORDER This option is useful whenever you insert or edit many lines at a time. The following example illustrates the use of this option. Assume that you desire to insert or edit many lines in your checking account but you only need to modify the Ck#, Date, Description, and Amount columns, in that order. Select the <O> TRIAL LINE ORDER option. The trial line appears as shown below. ------------------------------------------------------------------ | Date cK# deScription Transfer taX I C Amount | |< > | ------------------------------------------------------------------ A different letter in each column title is bold and capitalized. Now press the K, D, Z, and A keys. A number appears below each letter selected as shown below. ------------------------------------------------------------------ | Date cK# deScription Transfer taX I C Amount | |< > 2 1 3 4 | ------------------------------------------------------------------ After the four letters have been selected, press Enter. Now whenever you insert or edit a line, you are first prompted to enter the check number, date, description and amount in that order. The order function is cleared whenever you escape out of the account or if you reselect this option and press Enter without selecting any columns. EDIT TRIAL LINE Whenever you select the Account display options INSERT LINE, <E> EDIT LINE, <R> REMOVE LINE or <C> COPY LINE, the Trial line appears at the bottom of the screen. The Trial line is identical to an account line except the Balance column is not displayed. When selecting INSERT LINE, all columns of the trial line are cleared, except today's date appears in the date column and .00 in the amount column. When selecting EDIT LINE, REMOVE LINE or COPY LINE, the highlighted line is copied into the trial line. If the 'I' column of the highlighted line is a lower case letter (i.e., 'b'), the alert "'I' column lower case." appears. You can not edit the line from this account. In order to edit this line, escape to the MAIN MENU and enter the account listed in the 'Transfer' column. You can then edit the corresponding line since the letter in the 'I' column is upper case. When selecting REMOVE LINE, you cannot edit any of the Trial line columns. MOVING AROUND THE TRIAL LINE When selecting INSERT LINE, EDIT LINE or COPY LINE you can edit all columns of the Trial line except the line number column at the far left. Initially the CHAPTER 4: TECHINCAL DESCRIPTION 12 date column is highlighted. Pressing the Tab key moves the highlighted column to the right. Each column may be modified as described in the following sections. Pressing Tab when the amount column is highlighted displays the options '<S> SINGLE <R> REPETITIVE PRINT CHECK'. These options are used to insert the Trial line into the account and are described below. Pressing the Tab key again returns the highlight back to the date column. Holding down the Shift key and pressing the Tab key moves the highlighted column from right to left. MODIFYING THE TRIAL LINE The following sections describe how to modify each column of the Trial Line. You cannot modify the trial line when selecting REMOVE LINE. DATE Any date between 1/ 1/68 to 12/31/31 may be entered. Dates are entered in the month/day/year order. The year may range from 68 through 31. 68 through 99 are for years 1968 through 1999, while 00 through 31 are for years 2000 through 2031. CHECK NUMBER Any check number between 1 and 999 may be entered. A blank may be inserted by pressing a single space and Enter. A question mark may also be inserted in the check number column. If any line in an account has a '?' in the check column, and the date of that line is less than or equal to today's date, a '?' appears before that account title in the 'Accounts' window of the MAIN MENU. In this way, you are alerted that a line in this account needs attention (i.e., you need to pay a bill). DESCRIPTION An eighteen character description can be entered to label a transaction. TRANSFER Allows the transaction to be transferred to another account. In this way, money can be transferred from one account to another. The list of existing accounts is shown at the bottom of the screen. Use the up, down, left or right arrow keys to highlight the desired account title and press the Enter key. Alternatively, you can type the Account title. An existing title that most closely matches the title you begin to type appears as the default. If this default is the desired account, press Enter without typing the complete title. Otherwise, continue to type the desired title until the correct account appears. CHAPTER 4: TECHINCAL DESCRIPTION 13 To clear the transfer column, type a single space and press Enter. The account that is presently displayed cannot be selected ("Same account." alert), since you cannot transferred money to the same account. Once the Trial Line is inserted into the account, a copy of this line is also inserted into the account entered in the transfer column. This line is identical except for the following columns: * Transfer - Shows the original account title. * Interest - If a letter is inserted, it shows up in lower case. * Cleared - If you are inserting a line, the 'C' column is always blank. If you are editing a line whose 'C' column previously contained an 'X' or '/' and the amount column is changed, the 'C' column is changed to '-'. This is designed to alert you that the <V> RECONCILE will no longer agree with the ending balance of your bank statement. Make sure that the amount column is correct and change the '-' to a '/'. * Amount - A plus sign is changed to a minus, and a minus sign is changed to a plus. TAX A four letter code that corresponds to a line of a tax form. The amount column of this transaction is totaled on that line of the tax form. The list of tax forms included in this copy of Account II appears at the bottom of the screen. If you don't remember the tax category for a particular tax form line, type the three letter code next to the desired tax form (i.e. FZ1 for FORM 1040) and press the Enter key. Alternatively, you can use the up, down, left or right arrow keys to highlight the desired tax form and press the Enter key. The tax category can then be identified by four letters surrounded by brackets (e.g., [ZWAG]). Refer to chapter 6 for a line-by-line description of each tax form. Once the desired tax category has been located, this category can be entered from the Tax Form display. The Account is redisplayed and the selected category is inserted into the Trial Line under the 'X' column. The alert "No match." appears if an invalid four letter category or invalid three letter tax form is selected. INTEREST The 'I' column serves two purposes. It can automatically calculate the amount of interest earned in a savings account or loan. It can also automatically adjust the amount column so that the balance column for that line equals a predetermined value. CHAPTER 4: TECHINCAL DESCRIPTION 14 Interest - The 'C', 'S' and 'K' letters work in conjunction with the Rate value entered on the top line of the account display to automatically calculate account interest. (See <J> INTEREST of the ACCOUNT DISPLAY options in this chapter on how to enter an interest rate.) C - Automatically calculates interest compounded daily. S - Automatically calculates simple interest. K - Allows you to manually insert an interest amount while not affecting future automatic interest calculations. (See the SAVINGS ACCOUNT example in chapter 5 for the proper use of the 'K' option. Set balance - The 'B', 'G' and 'L' letters work in conjunction with the Set value entered on the top line of the account display. These options automatically adjust the amount column to set the balance column to the specified value. (See <Y> SET BALANCE of the ACCOUNT DISPLAY options in this chapter on how to enter the SET balance.) B - Automatically adjusts the amount to either a positive or negative value so that the balance equals the Set value. G - Automatically adjusts the amount so that the balance equals the Set value, however the amount must always be greater than or equal to zero. L - Automatically adjusts the amount so that the balance equals the Set value, however the amount must always be less than or equal to zero. For a detailed example on how to use the set balance feature, see the PAYROLL ACCOUNT and CREDIT CARD ACCOUNT sections in Chapter 5. CLEARED The 'C' column is used to identify which transactions have cleared the bank (i.e., show up on your monthly statement). This column is normally used for checking and credit card accounts. Use it the same way as you would manually reconcile your checking account using a checkbook register. '/' signifies that the check has cleared the bank. A blank signifies that the check has not cleared the bank. A '/' changes to an 'X'' if all previous lines of the account have cleared. This lets you know if there are any preceding lines that have not cleared. A '-' in the 'C' column means that the amount for this line was changed from the account listed in the transfer column. This indicates that the balance on your last bank statement probably no longer agrees with the new reconcile balance. (See the description in T - TRANSFER of this section.) See the section <V> RECONCILE in this chapter for a description on how the cleared column works. Also see the CHECKING ACCOUNT section in chapter 5. AMOUNT Any amount between -999,999.99 and +999,999.99 may be entered. No commas are allowed, however a space may be used to assist when entering large numbers. The sign of the amount can be entered along with the number, or CHAPTER 4: TECHINCAL DESCRIPTION 15 can be entered with the sign cue which appears after the number is entered. If the 'I' column of the Trial Line contains an upper case 'C', 'S', 'B', 'L', or 'G' then the amount column cannot be modified, since the amount is automatically calculated. TRIAL LINE OPTIONS The following options are used to enter the trial line into the account. <S> SINGLE For INSERT LINE or COPY LINE, the Trial Line is inserted into the account as described in the section ACCOUNT LINE ORDER below. For EDIT LINE, the Trial line replaces the highlighted line. If the date, check or 'I' column is changed, the highlighted line is reordered as described in the section ACCOUNT LINE ORDER below. For REMOVE LINE, the highlighted line is removed from the account. If the Trial Line date exceeds the number of days for that month, the day is automatically reduced to the highest allowable day for that month (e.g., 4/31/92 is automatically changed to 4/30/92). If the account already contains 999 lines, the alert "Account full." appears when selecting INSERT LINE or COPY LINE. If the transfer account contains 999 lines, the alert "Transfer account full." appears. <R> REPETITIVE You are prompted to select an Interval, Frequency and Stop Date, after which the Trial Line is inserted into the account exactly as in the <S> SINGLE selection. The Trial Line date is next incremented in accordance with the Interval and Frequency selected and the Trial Line is again inserted into the account. This procedure continues until the Trial Line date exceeds the Stop Date. The following are the available intervals and the rules that apply when incrementing the trial line date. * Daily - Day is incremented by 1 multiplied by the frequency. * Weekly - Day is incremented by 7 multiplied by the frequency. * Semi-monthly - If the Trial Line day is less than or equal to 15, the day is incremented by 15. If the Trial Line day is greater than or equal to 16, the day is decremented by 15 and the month is incremented by 1. No frequency can be selected with an interval of Semi-monthly. * Monthly - Month is incremented by 1 multiplied by the frequency. * Annually - Year is incremented by 1 multiplied by the frequency. CHAPTER 4: TECHINCAL DESCRIPTION 16 For Daily and Weekly, if the day exceeds the number of days for that month, the month is incremented and the day recalculated. For Semi-monthly, Monthly and Annually, if the Trial Line day exceeds the number of days for that month, the day is automatically reduced to the highest allowable day for that month. If the number of new lines inserted causes the number of lines in the account to exceed 999, the alert "Account full." appears when selecting INSERT LINE or COPY LINE. If the number of new lines inserted causes the number of lines in the transfer account to exceed 999, the alert "Transfer account full." appears. PRINT CHECK Used to output the check to the printer. Upon selecting this option, the account lines are replaced by the check dialog box. If the check dialog box is correct, press the 'P' key. MOVING AROUND THE CHECK DIALOG BOX Pressing the Tab key highlights each of the areas that can be modified in the check dialog box. Holding the Shift key and pressing the Tab key moves the highlight in the opposite direction. The following sections describe how to modify the check dialog box. PAY TO - Initially copied from the Description column of the Trial line. You can modify this line and the length of the Pay to line can be extended up to 36 characters. Although any changes to this line appear on the printed check, the Description column of the Trial line is not changed. ADDRESS - Contains 4 lines with up to 32 characters per line. MEMO - Contains 1 line with up to 22 characters. PRINTER - Determines the printer device used to print the check. Use the up or down arrows to highlight the desired printer port and press return. TYPE - Select the type of printer. Select 'Pin feed' for a dot matrix type printer. Select 'Cut sheet' for a laser type printer. STYLE - Three styles of checks can be printed, Personal, Multipurpose and Business. Each of these styles are compatible with Quicken style checks. CHAPTER 4: TECHINCAL DESCRIPTION 17 CPI - Select either 10 or 12 characters per inch. Important: You must manually set your printer to the same CPI. ACCOUNT LINE ORDER All lines are ordered by increasing date. If two lines have the same date, the lines are ordered by increasing check number. Lines containing a blank in the check column follow lines with a number in the check column. Lines with a '?' in the check column follow lines with a blank. If both the date and check number are identical, the lines are listed in the order they were inserted. If two lines have both the same date and check number, but one of the lines has an upper case 'B', 'G', or 'L' in the 'I' column, that line is ordered last. TAX FORMS To display a tax from, activate the 'Tax form' window in the MAIN MENU. Use the up, down, left or right arrow keys to highlight the desired tax form and press the Enter key. Alternatively, you can type the three letter code shown before the tax form title. An existing tax form code that most closely matches the code you begin to type appears as the default on the top boarder of the tax forms window. If this default is the desired tax form, press Enter without typing the complete code. Otherwise, continue to type the desired code until the correct code appears. The year of the Tax form is determined by the 'Tax form year' selection of the 'portFolio parameters' in the 'Setup window'. The alert "Too many portfolio columns." appears if the computer runs out of memory. You must either increase the Start Date, decrease the Stop Date, or increase the Interval or Frequency in the 'portFolio parameters' of the 'Setup' window to correct this situation. Account II uses only 640k bytes of memory. Adding extended or expanded memory has no effect. MOVING AROUND IN THE TAX FORMS The Tax form display shows 22 lines of the selected form at a time. The following keys can be used to move around the Tax form display. Up arrow - Scrolls the form down one line. Down arrow - Scrolls the form up one line. Page up - Scrolls the form down 21 lines. Page down - Scrolls the form up 21 lines. Home - Displays the top of the form. End - Displays the bottom of the form. Ctrl-Page up - Displays the previous tax form. Ctrl-Page down - Displays the next tax form. CHAPTER 4: TECHINCAL DESCRIPTION 18 PRINTING THE TAX FORM Pressing P and Enter sends the entire tax form to the printer port selected in the 'status' window of the MAIN MENU. If the printer is not properly connected, the alert "Printer not ready." appears. If the printer is out of paper, the alert "Printer out of paper." appears. TAX CATEGORY DISPLAY Selecting a four letter tax category from the Tax Form displays the Tax Category. This display is similar to the Account display. It is a compilation of all lines containing the selected tax category in the Tax column of the Account, and whose year matches the Tax Year displayed in the portfolio parameters option of the 'Setup' window in the MAIN MENU. The lines of the Tax Category display are ordered alphabetically by account title and then by increasing date. The transfer column of the account display is replaced with the title of the account where the line originated. If a line is transferred from one account to another, only the line with the negative amount in the account shows up in the Tax Category display. The amount column in the Tax Category display is always a positive number regardless of the sign of the same line in the account. Moving around in the tax category display is identical to moving around in the account display. The following options are available in the Tax Category display. PRINT Sends tax category lines to the printer. The 'Printer port' readout in the 'status' window of the MAIN MENU determines which printer is used. Use the up arrow, down arrow, Page up, Page down, Home or End keys until the lines you want to print are highlighted, then press the P key. If the printer is not properly connected, the alert "Printer not ready." appears. If the printer is out of paper, the alert "Printer out of paper." appears. <A> ACCOUNT This option displays only those lines in the Tax Category display that match the selected account. CHAPTER 4: TECHINCAL DESCRIPTION 19 PORTFOLIOS To display a portfolio activate the 'Portfolio' window in the MAIN MENU. Use the up, down, left or right arrow keys to highlight the desired portfolio title and press the Enter key. Alternatively, you can type the title. An existing title that most closely matches the title you begin to type appears as the default on the top boarder of the Portfolios window. If this default is the desired portfolio, press Enter without typing the complete title. Otherwise, continue to type the desired title until the correct portfolio appears. The alert "Too many portfolio columns." appears if the computer runs out of memory. You must either increase the Start Date, decrease the Stop Date, or increase the Interval or Frequency in the 'portFolio parameters' of the 'Setup' window to correct this situation. Account II uses only 640k bytes of memory. Adding extended or expanded memory has no effect. PORTFOLIO DISPLAY The following is an example of the Portfolio display. ----------------------------------------------------------------------------- |PORTFOLIO A Date 1/ 7/93 3/31/93 6/30/93 9/30/93 12/31/93| |CHECKING 500.00 500.00 500.00 500.00| |HOUSE VALUE % -6.50 95566.40 97726.42 99959.60 102244.00| |MONEY MARKET 1068.97 2960.67 5306.27 7268.73| |MORTGAGE -98400.32 -97296.50 -96164.14 -94976.22| |RENT | |SALARY .00 .00 .00 .00| | | | | | | | | | TAX .00 .00 .00 1876.00| | | | TOTAL -1264.95 3890.59 9601.73 16912.51| |< > | | | | BLANK LINE <%> PERCENT LINE <*> MULTIPLY LINE <+> ADD LINE | |<T> BLANK TAX LINE <D> DATE PAGE <H> HARD COPY <Z> DELETE PORTFOLIO| |<R> RENAME TITLE <C> COMPRESS | ----------------------------------------------------------------------------- The Portfolio is a spreadsheet type display. Along the left side of the screen are the account titles arranged alphabetically. Along the top of the display is a list of dates beginning with the Start Date and incremented according to the selected Interval and Frequency. This continues until the Stop Date is reached. The Start date, Interval, Frequency and Stop date are set in the 'portFolio parameter' of the 'Setup window'. Under each date is the balance of each account for that date. At the bottom of the display is a total for each column. Immediately above the total line is the tax line. This is either the amount overpaid or amount you owe from the federal tax form FZ1-FORM 1040. CHAPTER 4: TECHINCAL DESCRIPTION 20 MOVING AROUND IN THE PORTFOLIO Upon entering the Portfolio display, the first line is highlighted. You can move the highlighted line by pressing the up or down arrow keys. As the highlight reaches the top or bottom of the screen, the lines scroll up or down until the first or last line is reached. Other keys used to move around the Portfolio display are listed below. Page up - Scrolls the portfolio down 15 lines. Page down - Scrolls the portfolio up 15 lines. Home - Highlights the top line of the portfolio. End - Highlights the bottom line of the portfolio. Ctrl-Home - Moves the highlight to the top of the screen. Ctrl-End - Moves the highlight to the bottom of the screen. Ctrl-Page up - Displays the previous portfolio. Ctrl-Page down - Displays the next portfolio. PORTFOLIO OPTIONS The following options are available in the portfolio display. BLANK LINE Causes the balances of the highlighted line to go blank. The total line is adjusted as though all amounts for this line contained zeros. <%> PERCENT LINE Allows you to enter any percentage between -999,999.99 and +999,999.99. Each balance for this account is increased or decreased by the selected percentage. The total line is also adjusted. <*> MULTIPLY LINE Allows you to enter any number between -999,999.99 and +999,999.99. Each balance for this account is multiplied by the selected number. The total line is also adjusted. <+> ADD LINE Allows you to enter any number between -999,999.99 and +999,999.99. Each balance for this account is increased or decreased by the selected number. The total line is also adjusted. CHAPTER 4: TECHINCAL DESCRIPTION 21 <T> BLANK TAX LINE Causes the amounts of the tax line to go blank. The total line is adjusted as though all amounts for the tax line contained zeros. <D> DATE PAGE Displays the portfolio page containing the selected date. The cursor goes to today's date on the top line of the portfolio display. The page containing the column closest to the selected date is displayed. Today's date is not affected. PRINT Sends the portfolio to the printer. The 'Printer port' readout in the 'status' window of the MAIN MENU determines which printer is used. <Z> DELETE PORTFOLIO Deletes the displayed portfolio. The alert "Warning: You are about to permanently erase this portfolio." appears. If you really want to remove the account, press 'Y'. Once the portfolio is removed, you cannot get it back. <T> RENAME TITLE Changes the portfolio title. The portfolio title on the top line of the portfolio display is highlighted and you can change the title. The new portfolio title may have up to 12 characters. The first character of the title may not be a space. The new portfolio title may not be identical to another existing portfolio title ("Portfolio title already exist." alert). <C> COMPRESS Removes all lines of the portfolio display that are blank. The word "Compress" appears on the top line next to the date. Selecting this option again redisplays the blank lines and removes the "Compress". CHAPTER 5: TIPS ON USING ACCOUNT II =============================================================================== This chapter examines how to set up the accounts in greater detail then explained in the Tutorial. It also serves to demonstrate by example some of the more advanced features of Account II. In most of the following examples, the accounts are set up for two years. You can project your accounts for as many years into the future given sufficient free disk space. You can monitor the disk space by referring to the LINES FREE readout in the MAIN MENU. GENERIC ACCOUNT Selecting Generic account opens an account with no lines automatically inserted. You can then insert lines manually. Note: It is possible to create any of the other account types (i.e., Checking, Payroll, etc.) by opening a generic account and manually inserting lines. CHECKING ACCOUNT The checking account is the central account from which most other accounts transfer money to or from. It should be the first account that you open. To open a checking account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'Checking' from the 'Open acc.' window. The Checking account dialog box appears. =Checking account================ |interest Rate......... 3.000| |interest Method.........Simple | |First interest date...... 1/31/93| |Interval.............Monthly | |freQuency..................... 1| |Last interest date.......12/31/94| |**********OPEN ACCOUNT***********| ================================= When the Checking account dialog box is completed, the first page of the Checking account appears. CHAPTER 5: TIPS ON USING ACCOUNT II 2 ----------------------------------------------------------------------------- |CHECKING Lines 24 Date 1/ 1/93 Rate 3.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/31/93 EARNED INTEREST BINT S .00 .00| | 2 2/28/93 EARNED INTEREST BINT S .00 .00| | 3 3/30/93 EARNED INTEREST BINT S .00 .00| | 4 4/31/93 EARNED INTEREST BINT S .00 .00| | 5 5/31/93 EARNED INTEREST BINT S .00 .00| | 6 6/30/93 EARNED INTEREST BINT S .00 .00| | 7 7/31/93 EARNED INTEREST BINT S .00 .00| | 8 8/31/93 EARNED INTEREST BINT S .00 .00| | 9 9/30/93 EARNED INTEREST BINT S .00 .00| | 10 10/31/93 EARNED INTEREST BINT S .00 .00| | 11 11/30/93 EARNED INTEREST BINT S .00 .00| | 12 12/31/93 EARNED INTEREST BINT S .00 .00| | 13 1/31/94 EARNED INTEREST BINT S .00 .00| | 14 2/28/94 EARNED INTEREST BINT S .00 .00| | 15 3/31/94 EARNED INTEREST BINT S .00 .00| ----------------------------------------------------------------------------- The following describes each of the Checking account dialog box lines. interest Rate - Insert the annual interest rate for the Checking account. This amount appears on the top line of the Checking account next to Rate. interest Method - Select either 'Compound' or 'Simple'. If you select 'Compound', a 'C' appears in the 'I' column of the EARNED INTEREST line and interest is computed compounded daily. If you select 'Simple', an 'S' appears in the 'I' column and simple interest is computed. BINT appears in the tax column of the EARNED INTEREST line and this amount appears on line 1 of tax form FB1-SCH B INTEREST INC. If tax form FB1-SCH B INTEREST INC. is not included, the tax column is blank. First interest date - Use you most recent checking statement to determine the day of the month that your bank calculates interest. First interest date, Interval, freQuency and Last interest date work together. The 'First interest date' and 'Last interest date' specify the start and ending dates of the projected interest. The 'Interval' and 'freQuency' specify how often to project the interest. To project the interest every month, select 'Monthly' for Interval and 1 for freQuency. If you want to calculate interest every other month, select 2 for freQuency. SETTING UP THE CHECKING ACCOUNT Complete the Checking account dialog box as described above. If your checking account does not earn interest, set the 'interest Rate' to zero. The settings for the other lines of the dialog box are not used and the checking account is opened with no lines automatically inserted. 1. Select INITIAL BALANCE and enter the ending balance of your most recent bank statement. CHAPTER 5: TIPS ON USING ACCOUNT II 3 2. Insert all deposits and checks that did not show up on your most recent statement or any previous statements. The 'C' column of these account lines should be blank. MAINTAINING THE CHECKING ACCOUNT 3. Insert any new deposits and checks as you write them. The 'C' column of these lines should be blank. 4. When your next statement arrives, enter the checking account and edit the EARNED INTEREST line for this statement period. Change the 'I' column to 'K' and adjust the Amount column to agree with the interest on your checking account statement. Note: You cannot edit the amount column of the trial line when the 'I' column is anything other than a 'K' or blank. Important: If the 'I' column is set to blank instead of 'K', the next EARNED INTEREST amount will be incorrectly computed. The next EARNED INTEREST line uses this 'K' to determine when to start calculating interest. 5. Select <V> RECONCILE and make sure the beginning balance on your checking statement agrees with the amount displayed at the bottom of the screen. This should be the same value as the ending balance of your previous statement. If these amounts do not agree, make sure that the lines inserted since the last statement do not contain a '/' or 'X' in the 'C' column. Do not continue until the beginning balance displayed at the bottom of the screen agrees with the beginning balance on your new statement. If the amounts agree, press Enter. 6. Now you are ready to clear each transaction on your checking statement. Enter the check number and amount of the first line on your statement. The account is searched for a line that matches these columns and whose 'C' column is blank. If a match is found, that line is copied into the trial line. Selecting <A> ACCEPT inserts a '/' in the 'C' column of this line. Selecting <N> NEXT continues the search for a second match. If no match is found, the alert NO MATCH appears. Double check that you entered the correct check number and amount. Also make sure you entered the correct sign of the amount. Otherwise you need to manually search the account for the appropriate line and make the necessary corrections. Some lines may not yet have been inserted such as earned interest or service charges. Repeat step 6 for each line on the statement. After all lines listed on the statement are cleared, press Esc. Make sure the ending balance of your statement agrees with the amount displayed at the bottom of the screen. If these amounts do not agree, make sure all lines on your statement are accounted for in the checking account. Repeat steps 4 through 6 when you receive the next month's statement. Ensure lines that must be reported on a tax form have the appropriate tax category in the Tax column. CHAPTER 5: TIPS ON USING ACCOUNT II 4 If you begin using Account II at or near the beginning of the year, you might consider inserting all of this year's checking statements. To do this, retrieve the checking statement immediately preceding the first statement that you just reconciled. Select B> INITIAL BALANCE and insert the beginning balance of this statement. Next insert all transactions listed on the checking statement. Make sure you insert a '/' in the 'C' column of all new lines. Ensure lines that must be reported on a tax form have the appropriate tax category in the Tax column. If you don't want to insert previous statements, you still have to insert all transactions that must be entered on a tax form. These transactions cannot be inserted into the CHECKING account, since this will result in an incorrect balance column. You should open a Generic account to insert these transactions, ensuring the proper tax category is inserted in the tax column. Also make sure you blank this account in the Portfolio display, since the balance column of this account is meaningless (see chapter 4, EDIT LINE in the PORTFOLIO section). This account can also be used to record other tax transactions that don't belong in the other accounts (i.e., cash contributions). EXPENSE ACCOUNT To open an EXPENSE account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'Expense' from the 'Open acc.' window. The Expense account dialog box appears. =Expense account================ |projected Expenses.... 100.00| |Transfer account....CHECKING | |First expense date...... 1/ 7/93| |Interval............Weekly | |freQuency.................... 1| |Last expense date.......12/31/94| |**********OPEN ACCOUNT**********| ================================ When the Expense account dialog box is completed, the first page of the Expense account appears. CHAPTER 5: TIPS ON USING ACCOUNT II 5 ----------------------------------------------------------------------------- |MISC EXPENSE Lines 104 Date 1/ 1/93 Rate .000% Set 100.00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 7/93 ? PROJECTED EXPENSES CHECKING G 100.00 100.00| | 2 1/14/93 ? PROJECTED EXPENSES CHECKING 100.00 200.00| | 3 1/21/93 ? PROJECTED EXPENSES CHECKING 100.00 300.00| | 4 1/28/93 ? PROJECTED EXPENSES CHECKING 100.00 400.00| | 5 2/ 4/93 ? PROJECTED EXPENSES CHECKING 100.00 500.00| | 6 2/11/93 ? PROJECTED EXPENSES CHECKING 100.00 600.00| | 7 2/18/93 ? PROJECTED EXPENSES CHECKING 100.00 700.00| | 8 2/25/93 ? PROJECTED EXPENSES CHECKING 100.00 800.00| | 9 3/ 4/93 ? PROJECTED EXPENSES CHECKING 100.00 900.00| | 10 3/11/93 ? PROJECTED EXPENSES CHECKING 100.00 1000.00| | 11 3/18/93 ? PROJECTED EXPENSES CHECKING 100.00 1100.00| | 12 3/25/93 ? PROJECTED EXPENSES CHECKING 100.00 1200.00| | 13 4/ 1/93 ? PROJECTED EXPENSES CHECKING 100.00 1300.00| | 14 4/ 8/93 ? PROJECTED EXPENSES CHECKING 100.00 1400.00| | 15 4/15/93 ? PROJECTED EXPENSES CHECKING 100.00 1500.00| ----------------------------------------------------------------------------- The following describes each of the Expense account dialog box lines. projected Expenses - Enter your projected expenses. This amount appears in the Amount column of the PROJECTED EXPENSES line and on the top line of the Expense account next to Set. Transfer account - Enter the account your projected expenses are transferred to. This account appears in the transfer column of the PROJECTED EXPENSES line. First expense date, Interval, freQuency and Last expense date work together. The 'First expense date' and 'Last expense date' specify the start and ending dates of your projected expenses. The 'Interval' and 'freQuency' specify how often to project the expense. To project the expense every week, select 'Weekly' for Interval and 1 for freQuency. For every other week, select 2 for freQuency. SETTING UP THE EXPENSE ACCOUNT Complete the Expense account dialog box as described above. When the Expense account dialog box is complete, select 'OPEN ACCOUNT' at the bottom of the dialog box and enter the account title. For Expense accounts such as groceries, automobile, clothing, etc., the PROJECTED EXPENSES lines are usually inserted at the end of each month. MAINTAINING THE EXPENSE ACCOUNT There are two methods of maintaining the Expense account. The simple method is easier to maintain. The detailed method requires more work but gives an accurate history of past expenses. CHAPTER 5: TIPS ON USING ACCOUNT II 6 SIMPLE METHOD When the PROJECTED EXPENSES date arrives, you are alerted with a '?' next to the Expenses account title on the MAIN MENU. This is due to the '?' in the check column of the PROJECTED EXPENSES line. Enter the Expense account and remove the PROJECTED EXPENSES line that caused the '?' to appear on the MAIN MENU. DETAILED METHOD 1. Insert all actual expenses as they occur. If the expense is charged to a checking or credit card account, make sure this account appears in the Transfer column. Important: Expenses must be inserted with a positive amount in the Expense account. ----------------------------------------------------------------------------- |MISC EXPENSE Lines 106 Date 1/ 7/93 Rate .000% Set 100.00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 2/93 DRY CLEANING CHECKING 50.00 50.00| | 2 1/ 4/93 HAIR CUT CREDIT CARD 35.00 85.00| | 3 1/ 7/93 ? PROJECTED EXPENSES CHECKING G 15.00 100.00| ----------------------------------------------------------------------------- As the actual expenses are inserted (lines 1 and 2 above) the projected expenses (line 3 above) is reduced by the same amount. Line 3 shows the budget remaining for the period. When the PROJECTED EXPENSES date arrives, you are alerted with a '?' next to the Expenses account title on the MAIN MENU. This is due to the '?' in the check column of the PROJECTED EXPENSES line. 2. Enter the Expenses account. Edit the PROJECTED EXPENSES line and change the Description column to TOTAL EXPENSES (line 3 below). Also set the Transfer and 'I' columns to blank and adjust the Amount column to set the Balance column to zero. 3. Edit the next PROJECTED EXPENSES (line 4 below) and insert a 'G' in the 'I' column. ----------------------------------------------------------------------------- |MISC EXPENSE Lines 104 Date 1/ 7/93 Rate .000% Set 100.00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 2/93 DRY CLEANING CHECKING 50.00 50.00| | 2 1/ 4/93 HAIR CUT CREDIT CARD 35.00 85.00| | 3 1/ 7/93 TOTAL EXPENSES -85.00 .00| | 4 1/14/93 ? PROJECTED EXPENSES CHECKING G 100.00 100.00| ----------------------------------------------------------------------------- 4. Repeat steps 1 through 3 for the next projected expenses period. Note: The Expense account is blanked out in the PORTFOLIO display, otherwise your net worth increases each time you insert an expense. CHAPTER 5: TIPS ON USING ACCOUNT II 7 PAYROLL ACCOUNT To open a payroll account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'Payroll' from the 'Open acc.' window. The Payroll account dialog box appears. =Payroll account=========================== |Your or spouse payroll..............Your | |ytd gRoss income................. 25000.00| |ytd 401k plaN.................... 2500.00| |ytd fEderal income tax withheld.. 6250.00| |ytd sociAl security withheld..... 425.00| |ytd state incoMe tax withheld.... 2500.00| |ytd cHaritable contributions..... 1250.00| |Gross income..................... 1000.00| |401K plan........................ 100.00| |401k Plan transfer account.....401K PLAN | |feDeral income tax withheld...... 250.00| |sOcial security withheld......... 75.00| |State income tax withheld........ 100.00| |Charitable contributions......... 50.00| |Take home pay transfer account.CHECKING | |First pay date..................... 7/ 2/93| |Interval.......................Weekly | |freQuency............................... 1| |Last pay date......................12/31/94| |***************OPEN ACCOUNT****************| =========================================== When the dialog box is completed, the first page of the Payroll account appears. ----------------------------------------------------------------------------- |PAYROLL Lines 639 Date 1/ 1/93 Rate .000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 7/ 1/93 10 YTD TAXABLE INCOME ZWAG 22500.00 22500.00| | 2 7/ 1/93 20 YTD NON-TAX INCOME 2500.00 25000.00| | 3 7/ 1/93 40 YTD FED TAX WITHHE ZFTW -6250.00 18750.00| | 4 7/ 1/93 50 YTD SOCIAL SEC. WSSW -425.00 18325.00| | 5 7/ 1/93 60 YTD STATE TAX WITH ASTW -2500.00 15825.00| | 6 7/ 1/93 70 YTD CHARITABLE CON ACAS -1250.00 14575.00| | 7 7/ 1/93 -14575.00 .00| | 8 7/ 2/93 10 TAXABLE INCOME ZWAG 900.00 900.00| | 9 7/ 2/93 20 NON-TAXABLE INCOME 100.00 1000.00| | 10 7/ 2/93 30 401K PLAN 401K PLAN -100.00 900.00| | 11 7/ 2/93 40 FED TAX WITHHELD ZFTW -250.00 650.00| | 12 7/ 2/93 50 SOCIAL SECURITY WSSW -75.00 575.00| | 13 7/ 2/93 60 STATE TAX WITHHELD ASTW -100.00 475.00| | 14 7/ 2/93 70 CHARITABLE CONTRIB ACAS -50.00 425.00| | 15 7/ 2/93 ? TAKE HOME PAY CHECKING B -425.00 .00| ----------------------------------------------------------------------------- The following describes each of the Payroll account dialog box lines. CHAPTER 5: TIPS ON USING ACCOUNT II 8 Your or spouse payroll - Select either 'Your' or 'Spouse'. This selection determines the tax category for the YTD TAXABLE INCOME, YTD SOCIAL SEC., TAXABLE INCOME and SOCIAL SECURITY lines. ytd gRoss income - Enter your year to date gross income. This amount appears in the YTD TAXABLE INCOME line minus any amount inserted in the 'ytd 401k plaN' line of the dialog box. If you select 'Your' on the 'Your or spouse payroll' line of the dialog box, ZWAG appears in the tax column of the YTD TAXABLE INCOME line in the payroll account. If you select 'Spouse', ZWAS appears. This amount appears on line 7 of tax form FZ1-FORM 1040. If tax form FZ1-FORM 1040 is not included, the tax column is blank. ytd 401k plaN - Enter your year to date 401K plan contribution. This amount appears in the YDT NON-TAX INCOME line. ytd fEderal income tax withheld - Enter your year to date federal income tax withheld. This amount appears in the YTD FED TAX WITHHE line. ZFTW appears in the tax column of this line and this amount appears on line 54 of tax form FZ1- FORM 1040. If tax form FZ1-FORM 1040 is not included, the tax column is blank. ytd sociAl security withheld - Enter your year to date social security withheld. This amount appears in the YTD SOCIAL SEC. line. If you select 'Your' on the 'Your or spouse payroll' line of the payroll dialog box, WSSW appears in the tax column of the YTD SOCIAL SEC. line. If you select 'Spouse', WSSS appears. This amount appears on line 1 of tax form FW7-EXCESS SS WORKSHEET. If tax form FW7-EXCESS SS WORKSHEET is not included, the tax column is blank. ytd state incoMe tax withheld - Enter your year to date state income tax withheld. This amount appears in the YTD STATE TAX WITH line. ASTW appears in the tax column of this line and this amount appears on line 5 of tax form FA1-SCH A ITEMIZED DED. If tax form FA1-SCH A ITEMIZED DED. is not included, the tax column is blank. ytd cHaritable contributions - Enter your year to date charitable contributions. This amount appears in the YTD CHARITABLE CON line. ACAS appears in the tax column of this line and the amount appears on line 13 of tax form FA1-SCH A ITEMIZED DED. If tax form FA1-SCH A ITEMIZED DED. is not included, the tax column is blank. Gross income - Enter your per pay period gross income. This amount appears in the TAXABLE INCOME line minus any amount inserted in the '401K plan' line of the dialog box. If you select 'Your' on the 'Your or spouse payroll' line of the dialog box, ZWAG appears in the tax column of the TAXABLE INCOME line. If you select 'Spouse', ZWAS appears. This amount appears on line 7 of tax form FZ1-FORM 1040. If tax form FZ1-FORM 1040 is not included, the tax column is blank. CHAPTER 5: TIPS ON USING ACCOUNT II 9 401K plan - Enter your per pay period 401K plan contribution. This amount appears in the NON-TAXABLE INCOME and 401K PLAN lines. 401k Plan transfer account - Enter the account your 401 K plan is transferred to. This account appears in the transfer column of the 401K PLAN line. feDeral income tax withheld - Enter your per pay period federal income tax withheld. This amount appears in the FED TAX WITHHELD line. ZFTW appears in the tax column of this line and this amount appears on line 54 of tax form FZ1-FORM 1040. If tax form FZ1-FORM 1040 is not included, the tax column is blank. sOcial security withheld - Enter your per pay period social security withheld. This amount appears in the SOCIAL SECURITY line. If you select 'Your' on the 'Your or spouse payroll' line of the dialog box, WSSW appears in the tax column of the SOCIAL SECURITY line. If you select 'Spouse', WSSS appears. This amount appears on line 1 of tax form FW7- EXCESS SS WORKSHEET. If tax form FW7-EXCESS SS WORKSHEET is not included, the tax column is blank. State income tax withheld - Enter your per pay period state income tax withheld. This amount appears in the STATE TAX WITHHELD line. ASTW appears in the tax column of this line and the amount appears on line 5 of tax form FA1-SCH A ITEMIZED DED. If tax form FA1-SCH A ITEMIZED DED. is not included, the tax column is blank. Charitable contributions - Enter your per pay period charitable contributions. This amount appears in the CHARITABLE CONTRIB line. ACAS appears in the tax column of this line and this amount appears on line 13 of tax form FA1-SCH A ITEMIZED DED. If tax form FA1-SCH A ITEMIZED DED. is not included, the tax column is blank. Take home pay transfer account - Enter the account your take home pay is transferred to. This account appears in the transfer column of the TAKE HOME PAY line. First pay date, Interval, freQuency and Last pay date work together. The 'First pay date' and 'Last pay date' specify the start and ending dates of your payroll projection. The 'Interval' and 'freQuency' specify how often you get paid. If you get paid every week, select 'Weekly' for Interval and 1 for freQuency. If you get paid every other week, select 2 for freQuency. SETTING UP THE PAYROLL ACCOUNT STEP 1 - COMPLETE THE DIALOG BOX Use the information on your most recent payroll statement to complete the payroll account dialog box as described above. CHAPTER 5: TIPS ON USING ACCOUNT II 10 Most employers list your cumulative income and taxes withheld so far this year on each pay statement. These totals are usually labeled as YEAR TO DATE or YTD. You must enter these amounts into Account II so that all your yearly taxable income, taxes withheld, etc. show up on the tax forms. Complete the six lines at the top of the Payroll account dialog box that begin with 'ytd' using the appropriate amount on your payroll statement labeled 'year to date' or 'ytd'. Complete the rest of the Payroll account dialog box using your income and deductions for the pay period shown on the same payroll statement you used to complete the 'ytd' lines above. If there are amounts on you payroll statement that don't have corresponding lines in the dialog box, don't worry. You will see how to enter these lines in step 2 below. Important: Enter the date of your next (not this) payroll statement for the 'First pay date' in the dialog box. This payroll statement is included in the 'YTD' amounts. The selection for the 'Last pay date' should be the last day of the year. Although you can project your payroll many years into the future, you are limited to 999 lines in any given account. If you attempt to enter more than one year's payroll in a single account, you will probably get the "Account full" alert. If you wish to project future year's payroll, you should open a new account for each year. If you start using Account II at or near the beginning of the year or you are projecting future years payroll, complete the dialog box as described above using your first payroll statement of the year. Set all 'ytd' lines of the dialog box to zero. Important: Use your first payroll statement date of the year for the 'First pay date'. If you start using Account II after the tax year is over, use the W-2 statement you received from your employer at the end of the year to complete the dialog box lines labeled 'ytd'. Set the rest of the dialog box lines to zero. Important: Set the 'First pay date' to December 31st of the tax year just completed. The 'Interval', 'freQuency' and 'Last pay date' lines are not used in this case. When the Payroll account dialog box is complete, select 'OPEN ACCOUNT' at the bottom of the dialog box and enter the account title. If you are opening a different account for each tax year, you should include the year in the account title. STEP 2 - MODIFY THE ACCOUNT LINES You might want to change the description column of the account lines to more closely match what is printed on your payroll statement (e.g. Your statement might list SOCIAL SECURITY as FICA). You can also order the lines in the account to match the order shown on your payroll statement by changing the check number. Lines with identical dates are ordered by increasing check number. Edit the line you wish to modify and make the desired changes to the trial line. If you are editing a YTD line, terminate the trial line by selecting <S> SINGLE. Otherwise select <R> REPETITIVE and accept the default INTERVAL, FREQUENCY and STOP DATE. CHAPTER 5: TIPS ON USING ACCOUNT II 11 STEP 3 - INSERT LINES NOT INCLUDED IN THE DIALOG BOX Insert any other amounts shown on your payroll statement that did not appear in the Payroll dialog box, such as local taxes, health insurance co-payments, etc. Select INSERT and complete the trial line. The 'First pay date' inserted in the dialog box should be entered in the Date column. Don't forget to enter the correct tax code if the line must be reported on a tax form. When the trial line is completed, select <R> REPETITIVE and enter the same INTERVAL, FREQUENCY and STOP DATE that you entered in the dialog box. MAINTAINING THE PAYROLL ACCOUNT When pay day arrives, you are alerted with a '?' next to the Payroll account title on the MAIN MENU. This is due to the '?' in the check column of the TAKE HOME PAY line in the Payroll account. Enter the Payroll account and, compare your payroll statement with the corresponding lines in the account, making any necessary adjustments. If the differences apply only to the current pay period (i.e. you worked overtime), terminate the trial line with <S> SINGLE. If the differences apply to the rest of the year (i.e. you got a raise), then terminate the trial line with <R> REPETITIVE. Notice the amount of the TAKE HOME PAY line is automatically adjusted so the balance column is always zero. This is due to the 'B' in the 'I' column. Ensure the TAKE HOME PAY line amount agrees with your payroll statement then replace the 'B' with a blank. If you don't, you will not be able to reconcile this line in the CHECKING account (or whatever account is in the transfer column). Also remove the '?' in the check column. Terminate the TAKE HOME PAY line with <S> SINGLE. SAVINGS ACCOUNT To open a savings account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'Savings' from the 'Open acc.' window. The Savings account dialog box appears. =Savings account=========================== |interest Rate....................... 4.000| |interest Method...................Compound | |deposit Date....................... 1/ 1/93| |deposit Amount................... 10 000.00| |aCcount deposit withdrawn from.CHECKING | |interest diStribution account..CHECKING | |Interval.......................Monthly | |freQuency............................... 3| |Last maturity date.................12/31/94| |***************OPEN ACCOUNT****************| =========================================== When the dialog box is completed, the first page of the Savings account appears. CHAPTER 5: TIPS ON USING ACCOUNT II 12 ----------------------------------------------------------------------------- |SAVINGS Lines 15 Date 1/ 1/93 Rate 4.000% Set 10000.00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 INITIAL DEPOSIT CHECKING 10000.00 10000.00| | 2 4/ 1/93 ? EARNED INTEREST BINT C 98.65 10098.65| | 3 4/ 1/93 ? DISTRIBUTED INT. CHECKING B -98.65 10000.00| | 4 7/ 1/93 ? EARNED INTEREST BINT C 99.75 10099.75| | 5 7/ 1/93 ? DISTRIBUTED INT. CHECKING B -99.75 10000.00| | 6 10/ 1/93 ? EARNED INTEREST BINT C 100.85 10100.85| | 7 10/ 1/93 ? DISTRIBUTED INT. CHECKING B -100.85 10000.00| | 8 1/ 1/94 ? EARNED INTEREST BINT C 100.85 10100.85| | 9 1/ 1/94 ? DISTRIBUTED INT. CHECKING B -100.85 10000.00| | 10 4/ 1/94 ? EARNED INTEREST BINT C 98.65 10098.65| | 11 4/ 1/94 ? DISTRIBUTED INT. CHECKING B -98.65 10000.00| | 12 7/ 1/94 ? EARNED INTEREST BINT C 99.75 10099.75| | 13 7/ 1/94 ? DISTRIBUTED INT. CHECKING B -99.75 10000.00| | 14 10/ 1/94 ? EARNED INTEREST BINT C 100.85 10100.85| | 15 10/ 1/94 ? DISTRIBUTED INT. CHECKING B -100.85 10000.00| ----------------------------------------------------------------------------- The following describes each of the Savings account dialog box lines. interest Rate - Enter the annual interest rate for the Savings account. This amount appears on the top line of the Savings account next to Rate. interest Method - Select either 'Compound' or 'Simple'. If you select 'Compound', a 'C' appears in the 'I' column of the EARNED INTEREST line and interest is computed compounded daily. If you select 'Simple', an 'S' appears in the 'I' column and simple interest is computed. BINT appears in the tax column of the EARNED INTEREST line and this amount appears on line 1 of tax form FB1-SCH B INTEREST INC. If tax form FB1-SCH B INTEREST INC. is not included, the tax column is blank. deposit Date - Enter the date of the initial deposit. This date appears in the date column of the INITIAL DEPOSIT line. deposit Amount - Enter the initial deposit amount. This amount appears in the amount column of the INITIAL DEPOSIT line. aCcount deposit withdrawn from - Enter the account your initial deposit is withdrawn from. This account appears in the transfer column of the INITIAL DEPOSIT line. interest diStribution account - Enter the account that your earned interest is distributed to. This account appears in the transfer column of the DISTRIBUTED INT. line. The DISTRIBUTED INT. amount is automatically calculated so that the balance column is equal to the initial deposit. This is due to the 'B' in the 'I' column and the SET value on the top line of the Savings account equal to the initial deposit. Important: If you intend to reinvest your earned interest at maturity, leave the 'interest diStribution account' line of the dialog box blank. In this case, the DISTRIBUTED INT. is not inserted in the account. CHAPTER 5: TIPS ON USING ACCOUNT II 13 Interval, freQuency and Last maturity date work together along with the 'deposit Date'. Account II increments the 'deposit Date' according to the selected 'Interval' and 'freQuency' and calculates the first maturity date. This is the date of the first EARNED INTEREST and DISTRIBUTED INT. lines. The maturity date is again incremented and additional EARNED INTEREST and DISTRIBUTED INT. lines are inserted until the 'Last maturity date' is exceeded. SETTING UP THE SAVINGS ACCOUNT Complete the Savings account dialog box as described above. Important: If you intend to reinvest your earned interest at maturity, leave the 'interest diStribution account' line of the dialog box blank. In this case, the DISTRIBUTED INT. is not inserted in the account. When the Savings account dialog box is complete, select 'OPEN ACCOUNT' at the bottom of the dialog box and enter the account title. MAINTAINING THE SAVINGS ACCOUNT When the maturity date arrives, you are alerted with a '?' next to the Savings account title on the MAIN MENU. This is due to the '?' in the check column of the EARNED INTEREST line. Enter the Savings account and compare the interest automatically calculated on the EARNED INTEREST line with the interest on your savings statement. Normally these two values will differ by a small amount. To get these two numbers to agree, edit the EARNED INTEREST line and replace the 'C' or 'S' in the 'I' column with a 'K'. Then modify the amount column and enter the interest shown on your savings statement. Also remove the '?' in the check column. Terminate the trial line with <S> SINGLE. Note: You cannot edit the amount column of the trial line when the 'I' column is anything other than a 'K' or blank. Important: If the 'I' column is set to blank instead of 'K', the next EARNED INTEREST amount will be incorrectly computed. The next EARNED INTEREST line uses this 'K' to determine when to start calculating interest. Also edit the DISTRIBUTED INT. line and remove the 'B' in the 'I' column. If you don't, you will not be able to reconcile this line in the CHECKING account (or whatever account is in the transfer column). Also remove the '?' in the check column of the DISTRIBUTED INT. line. Terminate the trial line with <S> SINGLE. Finally, select <J> INTEREST RATE and adjust the Rate value on the top line of the account if the interest rate of the savings account has changed. After these modifications, the top of the Savings account appears as shown below. CHAPTER 5: TIPS ON USING ACCOUNT II 14 ----------------------------------------------------------------------------- |SAVINGS Lines 15 Date 1/ 1/93 Rate 4.000% Set 10000.00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 INITIAL DEPOSIT CHECKING 10000.00 10000.00| | 2 4/ 1/93 EARNED INTEREST BINT K 98.50 10098.50| | 3 4/ 1/93 DISTRIBUTED INT. CHECKING -98.50 10000.00| ----------------------------------------------------------------------------- IRA ACCOUNT To open an IRA account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'Ira' from the 'Open acc.' window. The IRA account dialog box appears. =IRA account=============================== |your or spouse coNtribution.........Your | |this or prior tax Year...............Prior | |interest Rate....................... 4.000| |interest Method...................Compound | |deposit Date....................... 4/15/93| |deposit Amount................... 2000.00| |aCcount deposit withdrawn from.CHECKING | |Interval.......................Annually | |freQuency............................... 1| |Last maturity date................. 4/15/95| |***************OPEN ACCOUNT****************| =========================================== When the dialog box is completed, the IRA account appears. ----------------------------------------------------------------------------- |IRA Lines 3 Date 1/ 1/93 Rate 4.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 4/15/93 INITIAL DEPOSIT CHECKING HIRA 2000.00 2000.00| | 2 4/15/94 ? EARNED INTEREST C 79.95 2079.95| | 3 4/15/95 ? EARNED INTEREST C 83.12 2163.07| ----------------------------------------------------------------------------- The following describes each of the IRA account dialog box lines. your or spouse coNtribution - Select either 'Your' or 'Spouse'. This selection determines the tax category for the INITIAL DEPOSIT line. If you select 'Your', the tax category is set either 'HIRA' or 'WIRA' depending on your selection for the 'this or prior tax Year' line of the dialog box. If you select 'Spouse', the tax category is either 'HIRS' or 'WIRS'. this or prior tax Year - Select either 'This' or 'Prior'. This selection determines the tax category for the INITIAL DEPOSIT line. If you select 'Prior', the tax category is set to either 'HIRA' or 'HIRS' depending on your selection for the 'your or spouse coNtribution' line of the dialog box. If you select 'This', the tax category is either 'WIRA' or 'WIRS'. If you make the contribution before April 15th but you want to deduct it from last years taxes, select 'Prior'. CHAPTER 5: TIPS ON USING ACCOUNT II 15 interest Rate - Enter the annual interest rate for the IRA account. This amount appears on the top line of the IRA account next to Rate. interest Method - Select either 'Compound' or 'Simple'. If you select 'Compound', a 'C' appears in the 'I' column of the EARNED INTEREST line and interest is computed compounded daily. If you select 'Simple', an 'S' appears in the 'I' column and simple interest is computed. deposit Date - Enter the date of the initial deposit. This date appears in the date column of the INITIAL DEPOSIT line. deposit Amount - Enter the initial deposit amount. This amount appears in the amount column of the INITIAL DEPOSIT line. aCcount deposit withdrawn from - Enter the account your initial deposit is withdrawn from. This account appears in the transfer column of the INITIAL DEPOSIT line. Interval, freQuency and Last maturity date work together along with the 'deposit Date'. Account II increments the 'deposit Date' according to the selected 'Interval' and 'freQuency' and calculates the first maturity date. This is the date of the first EARNED INTEREST line of the IRA account. The maturity date is again incremented and additional EARNED INTEREST lines are inserted until the 'Last maturity date' is exceeded. SETTING UP THE IRA ACCOUNT Complete the IRA account dialog box as described above, then select 'OPEN ACCOUNT' at the bottom of the dialog box and enter the account title. MAINTAINING THE IRA ACCOUNT When the maturity date arrives, you are alerted with a '?' next to the IRA account title on the MAIN MENU. This is due to the '?' in the check column of the EARNED INTEREST line. Enter the IRA account and compare the interest automatically calculated on the EARNED INTEREST line with the interest on your loan statement. Normally these two values will differ by a small amount. To get these two numbers to agree, edit the EARNED INTEREST line and replace the 'C' or 'S' in the 'I' column with a 'K'. Then modify the amount column and enter the interest shown on your loan statement. Also remove the '?' in the check column. Terminate the trial line with <S> SINGLE. Note: You cannot edit the amount column of the trial line when the 'I' column is anything other than a 'K' or blank. Important: If the 'I' column is set to blank instead of 'K', the next EARNED INTEREST amount will be incorrectly computed. The next EARNED INTEREST line uses this 'K' to determine when to start calculating interest. Finally, select <J> INTEREST RATE and adjust the Rate value on the top line of the account if the interest rate of the IRA account has changed. CHAPTER 5: TIPS ON USING ACCOUNT II 16 After these modifications, the IRA account appears as shown below. ----------------------------------------------------------------------------- |IRA Lines 3 Date 1/ 1/93 Rate 4.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 4/15/93 INITIAL DEPOSIT CHECKING HIRA 2000.00 2000.00| | 2 4/15/94 EARNED INTEREST K 80.00 2080.00| | 3 4/15/95 ? EARNED INTEREST C 83.13 2163.13| ----------------------------------------------------------------------------- LOAN TO YOU ACCOUNT Open a 'Loan to you' account when you borrow money for a personal loan or to purchase such items as an automobile. If you are lending money to someone else, open a 'loan Fr you' account described below. For a house mortgage, open a 'Mortgage' account described below. To open a Loan to you account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'Loan to you' from the 'Open acc.' window. The Loan to you account dialog box appears. =Loan to you account======================= |interest Rate....................... 10.000| |interest Method...................Compound | |loan Date.......................... 1/ 1/93| |loan Amount...................... 5000.00| |aCcount loan transferred to....CHECKING | |paY to the order of......1ST NATIONAL BANK | |accOunt payment withdrawn from.CHECKING | |Payment amount................... 230.00| |firSt interest date................ 1/31/93| |First payment date................. 2/10/93| |Interval.......................Monthly | |freQuency............................... 1| |Last payment date..................12/31/94| |***************OPEN ACCOUNT****************| =========================================== When the dialog box is completed, the first page of the Loan to you account appears. CHAPTER 5: TIPS ON USING ACCOUNT II 17 ----------------------------------------------------------------------------- |LOAN TO YOU Lines 47 Date 1/ 1/93 Rate 10.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 LOAN AMOUNT CHECKING -5000.00 -5000.00| | 2 1/31/93 INTEREST C -41.12 -5041.12| | 3 2/10/93 ? 1ST NATIONAL BANK CHECKING 230.00 -4811.12| | 4 2/28/93 INTEREST C -37.56 -4848.68| | 5 3/10/93 ? 1ST NATIONAL BANK CHECKING 230.00 -4618.68| | 6 3/31/93 INTEREST C -39.89 -4658.57| | 7 4/10/93 ? 1ST NATIONAL BANK CHECKING 230.00 -4428.57| | 8 4/30/93 INTEREST C -37.00 -4465.57| | 9 5/10/93 ? 1ST NATIONAL BANK CHECKING 230.00 -4235.57| | 10 5/31/93 INTEREST C -36.57 -4272.14| | 11 6/10/93 ? 1ST NATIONAL BANK CHECKING 230.00 -4042.14| | 12 6/30/93 INTEREST C -33.90 -4076.04| | 13 7/10/93 ? 1ST NATIONAL BANK CHECKING 230.00 -3846.04| | 14 7/31/93 INTEREST C -33.24 -3879.28| | 15 8/10/93 ? 1ST NATIONAL BANK CHECKING 230.00 -3649.28| ----------------------------------------------------------------------------- The following describes each of the Loan to you account dialog box lines. interest Rate - Enter the annual interest rate for the loan account. This amount appears on the top line of the Loan account next to Rate. interest Method - Select either 'Compound' or 'Simple'. If you select 'Compound', a 'C' appears in the 'I' column of the INTEREST line and interest is computed compounded daily. If you select 'Simple', an 'S' appears in the 'I' column and simple interest is computed. loan Date - Enter the date of the loan. This date appears in the date column of the LOAN AMOUNT line. loan Amount - Enter the loan amount. This amount appears in the amount column of the LOAN AMOUNT line. aCcount loan transferred to - Enter the account your loan is transferred to. This account appears in the transfer column of the LOAN AMOUNT line. paY to the order of - Enter the name of the financial institution that you write your payment check to. This appears in the description column of the Payment line (line 3 above). accOunt payment withdrawn from - Enter the account that your payments are withdrawn from. This account appears in the transfer column of the Payment line (line 3 above). Payment amount - Enter the payment amount. This amount appears in the amount column of the payment line (line 3 above). firSt interest date, First payment date, Interval, freQuency and Last payment date work together. Account II sets the date of the first PAYMENT line (line 3 above) to the 'First payment date'. The next PAYMENT date is calculated by incrementing the 'First payment date' according to the selected 'Interval' and 'freQuency'. This procedure continues until the 'Last payment date' is exceeded. Interest lines are inserted in a similar method, except the first date is set to the 'firSt interest date'. CHAPTER 5: TIPS ON USING ACCOUNT II 18 SETTING UP THE LOAN TO YOU ACCOUNT Complete the Loan to you account dialog box as described above, then select 'OPEN ACCOUNT' at the bottom of the dialog box and enter the account title. MAINTAINING THE LOAN TO YOU ACCOUNT When your loan statement arrives, enter the Loan account and compare the interest automatically calculated on the INTEREST line with the interest on your loan statement. Normally these two values will differ by a small amount. To get these two numbers to agree, edit the INTEREST line and replace the 'C' or 'S' in the 'I' column with a 'K'. Then modify the amount column and enter the interest shown on your loan statement. Terminate the trial line with <S> SINGLE. Note: You cannot edit the amount column of the trial line when the 'I' column is anything other than a 'K' or blank. Important: If the 'I' column is set to blank instead of 'K', the next INTEREST amount will be incorrectly computed. The next INTEREST line uses this 'K' to determine when to start calculating interest. When the payment date arrives, you are alerted with a '?' next to the Loan account title on the MAIN MENU. This is due to the '?' in the check column of the Payment line (line 3 above). Enter the Loan account and edit the Payment line and replace the '?' in the check column with the check number. If you want Account II to print the check, terminate the trial line with PRINT CHECK. Refer to chapter 3 for instructions for changing the check settings. Tip: Always print your check from the Loan account instead of the checking account (or whatever account is in the transfer column). The address and memo blocks are saved so you don't have to reenter this information each time you print your Loan check. After these modifications, the Loan to you account appears as shown below. ----------------------------------------------------------------------------- |LOAN TO YOU Lines 47 Date 1/ 1/93 Rate 10.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 LOAN AMOUNT CHECKING -5000.00 -5000.00| | 2 1/31/93 INTEREST K -41.02 -5041.02| | 3 2/10/93 101 1ST NATIONAL BANK CHECKING 230.00 -4811.02| ----------------------------------------------------------------------------- LOAN FROM YOU ACCOUNT Open a 'loan Fr you' account when you lend money to someone else. If you are borrowing money, open a 'Loan to you' account described above. To open a Loan from you account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'loan Fr you' from the 'Open acc.' window. The Loan from you account dialog box appears. CHAPTER 5: TIPS ON USING ACCOUNT II 19 =Loan from you account===================== |interest Rate....................... 10.000| |interest Method...................Compound | |loan Date.......................... 1/ 1/93| |loan Amount...................... 5000.00| |aCcount loan withdrawn from....CHECKING | |Payment amount................... 230.00| |accOunt payment transferred to.CHECKING | |First payment date................. 1/31/93| |Interval.......................Monthly | |freQuency............................... 1| |Last payment date..................12/31/94| |***************OPEN ACCOUNT****************| =========================================== When the dialog box is completed, the first page of the Loan from you account appears. ----------------------------------------------------------------------------- |LOAN FR YOU Lines 49 Date 1/ 1/93 Rate 10.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 LOAN AMOUNT CHECKING 5000.00 5000.00| | 2 1/31/93 INTEREST BINT C 41.12 5041.12| | 3 1/31/93 ? PAYMENT CHECKING -230.00 4811.12| | 4 2/28/93 INTEREST BINT C 36.90 4848.02| | 5 2/28/93 ? PAYMENT CHECKING -230.00 4618.02| | 6 3/31/93 INTEREST BINT C 39.23 4657.25| | 7 3/31/93 ? PAYMENT CHECKING -230.00 4427.25| | 8 4/30/93 INTEREST BINT C 36.38 4463.63| | 9 4/30/93 ? PAYMENT CHECKING -230.00 4233.63| | 10 5/31/93 INTEREST BINT C 35.95 4269.58| | 11 5/31/93 ? PAYMENT CHECKING -230.00 4039.58| | 12 6/30/93 INTEREST BINT C 33.19 4072.77| | 13 6/30/93 ? PAYMENT CHECKING -230.00 3842.77| | 14 7/31/93 INTEREST BINT C 32.61 3875.38| | 15 7/31/93 ? PAYMENT CHECKING -230.00 3645.38| ----------------------------------------------------------------------------- The following describes each of the Loan to you account dialog box lines. interest Rate - Enter the annual interest rate for the loan account. This amount appears on the top line of the Loan account next to Rate. interest Method - Select either 'Compound' or 'Simple'. If you select 'Compound', a 'C' appears in the 'I' column of the INTEREST line and interest is computed compounded daily. If you select Simple, an 'S' appears in the 'I' column and simple interest is computed. loan Date - Enter the date of the loan. This date appears in the date column of the LOAN AMOUNT line. loan Amount - Enter the loan amount. This amount appears in the amount column of the LOAN AMOUNT line. aCcount loan withdrawn from - Enter the account the loan is withdrawn from. This account appears in the transfer column of the LOAN AMOUNT line. CHAPTER 5: TIPS ON USING ACCOUNT II 20 Payment amount - Enter the payment amount. This amount appears in the amount column of the PAYMENT line. accOunt payment transferred to - Enter the account that the payments are transferred to. This account appears in the transfer column of the PAYMENT line. First payment date, Interval, freQuency and Last payment date work together. Account II sets the date of the first INTEREST and PAYMENT lines to the 'First payment date'. The next INTEREST and PAYMENT dates are calculated by incrementing the 'First payment date' according to the selected 'Interval' and 'freQuency'. This procedure continues until the 'Last payment date' is exceeded. SETTING UP THE LOAN FROM YOU ACCOUNT Complete the Loan from you account dialog box as described above, then select 'OPEN ACCOUNT' at the bottom of the dialog box and enter the account title. MAINTAINING THE LOAN FROM YOU ACCOUNT When the payment date arrives, you are alerted with a '?' next to the Loan account title on the MAIN MENU. This is due to the '?' in the check column of the PAYMENT line. Enter the Loan account, edit the INTEREST line and replace the 'C' or 'S' in the 'I' column with a 'K'. Terminate trial line modifications with <S> SINGLE. Note: You cannot edit the amount column of the trial line when the 'I' column is anything other than a 'K' or blank. Important: If the 'I' column is set to blank instead of 'K', the next INTEREST amount will be incorrectly computed. The next INTEREST line uses this 'K' to determine when to start calculating interest. Also edit the PAYMENT line and remove the '?' in the check column. Terminate trial line modifications with <S> SINGLE. After these modifications, the Loan from you account appears as shown below. ----------------------------------------------------------------------------- |LOAN FR YOU Lines 49 Date 1/ 1/93 Rate 10.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 LOAN AMOUNT CHECKING 5000.00 5000.00| | 2 1/31/93 INTEREST BINT K 41.12 5041.12| | 3 1/31/93 PAYMENT CHECKING -230.00 4811.12| ----------------------------------------------------------------------------- MORTGAGE ACCOUNT To open a Mortgage account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'Mortgage' from the 'Open acc.' window. The Mortgage account dialog box appears. CHAPTER 5: TIPS ON USING ACCOUNT II 21 =Mortgage account========================== |interest Rate....................... 8.000| |loan Date.......................... 1/ 1/93| |loan Amount......................200 000.00| |Payment amount................... 1883.00| |paY to the order of......1ST NATIONAL BANK | |accOunt payment withdrawn from.CHECKING | |Escrow amount.................... 200.00| |accoUnt escrow transferred to..ESCROW | |firSt interest date................ 1/31/93| |First payment date................. 2/10/93| |Interval.......................Monthly | |freQuency............................... 1| |Last payment date..................12/31/12| |***************OPEN ACCOUNT****************| =========================================== When the Mortgage account dialog box is completed, the first page of the Mortgage account appears. ----------------------------------------------------------------------------- |MORTGAGE Lines 718 Date 1/ 1/93 Rate 8.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 PURCHASE PRICE -200000.00 -200000.00| | 2 1/31/93 INTEREST AIHM C -1319.10 -201319.10| | 3 1/31/93 ESCROW ESCROW -200.00 -201519.10| | 4 2/10/93 ? 1ST NATIONAL BANK CHECKING 1883.00 -199636.10| | 5 2/28/93 INTEREST AIHM C -1232.78 -200868.88| | 6 2/28/93 ESCROW ESCROW -200.00 -201068.88| | 7 3/10/93 ? 1ST NATIONAL BANK CHECKING 1883.00 -199185.88| | 8 3/31/93 INTEREST AIHM C -1361.79 -200547.67| | 9 3/31/93 ESCROW ESCROW -200.00 -200747.67| | 10 4/10/93 ? 1ST NATIONAL BANK CHECKING 1883.00 -198864.67| | 11 4/30/93 INTEREST AIHM C -1315.73 -200180.40| | 12 4/30/93 ESCROW ESCROW -200.00 -200380.40| | 13 5/10/93 ? 1ST NATIONAL BANK CHECKING 1883.00 -198497.40| | 14 5/31/93 INTEREST AIHM C -1357.11 -199854.51| | 15 5/31/93 ESCROW ESCROW -200.00 -200054.51| ----------------------------------------------------------------------------- The following describes each of the Mortgage account dialog box lines. interest Rate - Enter the annual interest rate for the mortgage account. This amount appears on the top line of the Mortgage account next to RATE. loan Date - Enter the date of the loan. This date appears in the date column of the PURCHASE PRICE line. loan Amount - Enter the loan amount. This amount appears in the amount column of the PURCHASE PRICE line. Payment amount - Enter the payment amount. This amount appears in the amount column of the Payment line (line 4 above). paY to the order of - Enter the name of the financial institution that you write your payment check to. This appears in the description column of the Payment line (line 4 above). CHAPTER 5: TIPS ON USING ACCOUNT II 22 accOunt payment withdrawn from - Enter the account that your payments are withdrawn from. This account appears in the transfer column of the Payment line (line 4 above). Escrow amount - Enter your escrow payment. This amount appears in the amount column of the ESCROW line. accoUnt escrow transferred to - Enter the account that your escrow payments are transferred to. This account appears in the transfer column of the ESCROW line. firSt interest date, First payment date, Interval, freQuency and Last payment date work together. Account II sets the date of the first Payment line (line 4 above) to the 'First payment date'. The next Payment date is calculated by incrementing the 'First payment date' according to the selected 'Interval' and 'freQuency'. This procedure continues until the 'Last payment date' is exceeded. INTEREST and ESCROW lines are inserted in a similar method, except the first date is set to the 'firSt interest date'. SETTING UP THE MORTGAGE ACCOUNT Complete the Mortgage account dialog box as described above, then select 'OPEN ACCOUNT' at the bottom of the dialog box and enter the account title. If you get the "Account full" alert, you have exceeded the maximum number of lines in a single account. You should decrease the 'Last payment date'. The ESCROW account is normally set up by the bank to cover such expenses as property taxes and insurance for your house. You should enter the ESCROW account and project these expenses throughout the life of the Mortgage. MAINTAINING THE MORTGAGE ACCOUNT When your mortgage statement arrives, enter the Mortgage account and compare the interest Account II calculated in the INTEREST line with the interest on your mortgage statement. Normally these two values will differ by a small amount. To get these two numbers to agree, edit the INTEREST line and replace the 'C' or 'S' in the 'I' column with a 'K'. Then modify the amount column and enter the interest shown on your mortgage statement. Terminate the trial line with <S> SINGLE. Note: You cannot edit the amount column of the trial line when the 'I' column is anything other than a 'K' or blank. Important: If the 'I' column is set to blank instead of 'K', the next INTEREST amount will be incorrectly computed. The next INTEREST line uses this 'K' to determine when to start calculating interest. Also verify that the escrow line agrees with your mortgage statement, and make any necessary changes. When the payment date arrives, you are alerted with a '?' next to the Mortgage account title on the MAIN MENU. This is due to the '?' in the check column of the Payment line (line 4 above). CHAPTER 5: TIPS ON USING ACCOUNT II 23 Enter the Mortgage account and edit the Payment line (line 4 above) and replace the '?' in the check column with the check number you write. If you want Account II to print the check, terminate the trial line with PRINT CHECK. Refer to chapter 3 for instructions for changing the check settings. Tip: Always print your check from the Mortgage account instead of the checking account (or whatever account is in the transfer column). The address and memo blocks are saved so you don't have to reenter this information each time you print your Mortgage check. After these modifications, the Loan to you account appears as shown below. ----------------------------------------------------------------------------- |MORTGAGE Lines 718 Date 1/ 1/93 Rate 8.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 PURCHASE PRICE -200000.00 -200000.00| | 2 1/31/93 INTEREST AIHM K -1319.22 -201319.22| | 3 1/31/93 ESCROW ESCROW -200.00 -201519.22| | 4 2/10/93 101 1ST NATIONAL BANK CHECKING 1883.00 -199636.22| ----------------------------------------------------------------------------- CREDIT CARD ACCOUNT To open a Credit card account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'cRedit card' from the 'Open acc.' window. The Credit card account dialog box appears. =Credit card account======================= |interest Rate....................... 12.000| |firSt closing date................. 1/20/93| |aCcount payment withdrawn from.CHECKING | |paY to the order of......1ST NATIONAL BANK | |First payment date................. 1/31/93| |Interval.......................Monthly | |freQuency............................... 1| |Last payment date..................12/31/94| |***************OPEN ACCOUNT****************| =========================================== When the Credit card account dialog box is completed, the first page of the Credit card account appears. CHAPTER 5: TIPS ON USING ACCOUNT II 24 ----------------------------------------------------------------------------- |CREDIT CARD Lines 71 Date 1/ 1/93 Rate 12.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/20/93 INTEREST C .00 .00| | 2 1/20/93 ? CLOSING DT/BLANK G .00 .00| | 3 1/31/93 ? 1ST NATIONAL BANK CHECKING G .00 .00| | 4 2/20/93 INTEREST C .00 .00| | 5 2/20/93 ? CLOSING DT/BLANK G .00 .00| | 6 2/28/93 ? 1ST NATIONAL BANK CHECKING G .00 .00| | 7 3/20/93 INTEREST C .00 .00| | 8 3/20/93 ? CLOSING DT/BLANK G .00 .00| | 9 3/31/93 ? 1ST NATIONAL BANK CHECKING G .00 .00| | 10 4/20/93 INTEREST C .00 .00| | 11 4/20/93 ? CLOSING DT/BLANK G .00 .00| | 12 4/30/93 ? 1ST NATIONAL BANK CHECKING G .00 .00| | 13 5/20/93 INTEREST C .00 .00| | 14 5/20/93 ? CLOSING DT/BLANK G .00 .00| | 15 5/31/93 ? 1ST NATIONAL BANK CHECKING G .00 .00| ----------------------------------------------------------------------------- The following describes each of the Credit card account dialog box lines. interest Rate - Enter the annual interest rate for the credit card account. This amount appears on the top line of the Credit card account next to Rate. If you pay off your credit card balance each month, enter zero. firSt closing date - The closing date is the date that the credit card company adds up all of your charges received thus far, and mails you the bill. The closing date is usually listed on your credit card statement. accOunt payment withdrawn from - Enter the account that your credit card payments are withdrawn from. paY to the order of - Enter the name of the institution that you write your payment check to. This appears in the description column of the Payment line (line 3 above). First payment date, Interval, freQuency and Last payment date work together. Account II sets the date of the first Payment line (line 3 above) to the 'First payment date'. The next Payment date (line 6 above) is calculated by incrementing the 'First payment date' according to the selected 'Interval' and 'freQuency'. This procedure continues until the 'Last payment date' is exceeded. Important: Make sure that the 'First payment date' is set ahead of the payment due date a sufficient number of days to insure your payment arrives in time. The CLOSE DT/BLANK G lines are inserted in a similar method, except the first date is set to the 'firSt closing date'. SETTING UP THE CREDIT CARD ACCOUNT Complete the Credit card account dialog box as described above, then select 'OPEN ACCOUNT' at the bottom of the dialog box and enter the account title. CHAPTER 5: TIPS ON USING ACCOUNT II 25 Important: If you pay off your credit card balance each month and you are not charged interest, set the interest rate of the dialog box to zero. The interest line is not inserted in the account. MAINTAINING THE CREDIT CARD ACCOUNT As you make purchases with your credit card, insert these transactions into the credit card account (lines 1 and 2 below). Notice the amount of the Payment line (line 5 below) automatically adjusts so the balance column is always zero. This is due to the 'G' in the 'I' column and the '.00' in the 'Set' value on the top line of the account. In effect, each time you record a credit card charge, Account II automatically anticipates paying these charges from the CHECKING account. Important: All charges must be negative and payments positive. Some credit card statements may show these amounts with the opposite sign. ----------------------------------------------------------------------------- |CREDIT CARD Lines 73 Date 1/ 1/93 Rate 12.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 SOFTWARE STORE -59.99 -59.99| | 2 1/15/93 RESTAURANT -45.00 -104.99| | 3 1/20/93 INTEREST C -.29 -105.28| | 4 1/20/93 ? CLOSING DT/BLANK G .00 -105.28| | 5 1/31/93 ? 1ST NATIONAL BANK CHECKING G 105.28 .00| ----------------------------------------------------------------------------- When the closing date arrives, you are alerted with a '?' next to the Credit card account title on the MAIN MENU. This is due to the '?' in the check column of the CLOSING DT/BLANK G line. Enter the Credit card account, edit the Payment line (line 5 above) and change the 'G' in the 'I' column to blank. Terminate the trial line with <S> SINGLE. Remove the CLOSING DT/BLANK G line (line 4 above) since its only purpose is to alert you to remove the 'G' on the PAYMENT line. ----------------------------------------------------------------------------- |CREDIT CARD Lines 72 Date 1/ 1/93 Rate 12.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 SOFTWARE STORE -59.99 -59.99| | 2 1/15/93 RESTAURANT -45.00 -104.99| | 3 1/20/93 INTEREST C -.29 -105.28| | 4 1/31/93 ? 1ST NATIONAL BANK CHECKING 105.28 .00| ----------------------------------------------------------------------------- As new charges are inserted (line 4 below), they now show up in the following month's payment (line 8 below). CHAPTER 5: TIPS ON USING ACCOUNT II 26 ----------------------------------------------------------------------------- |CREDIT CARD Lines 73 Date 1/ 1/93 Rate 12.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 SOFTWARE STORE -59.99 -59.99| | 2 1/15/93 RESTAURANT -45.00 -104.99| | 3 1/20/93 INTEREST C -.29 -105.28| | 4 1/25/93 CLOTHING STORE -50.00 -155.28| | 5 1/31/93 ? 1ST NATIONAL BANK CHECKING 105.28 -50.00| | 6 2/20/93 INTEREST C -.65 -50.65| | 7 2/20/93 ? CLOSING DT/BLANK G .00 -50.65| | 8 2/28/93 ? 1ST NATIONAL BANK CHECKING G 50.65 .00| ----------------------------------------------------------------------------- When your credit card statement arrives, enter the Credit Card account and compare the interest automatically calculated on the INTEREST line with the interest on your credit card statement. Normally these two amounts will differ by a small amount. To get these two numbers to agree, edit the INTEREST line and replace the 'C' in the 'I' column with a 'K'. Then modify the amount column enter the interest shown on your credit card statement. Terminate the trial line with <S> SINGLE. ----------------------------------------------------------------------------- |CREDIT CARD Lines 73 Date 1/ 1/93 Rate 12.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 SOFTWARE STORE -59.99 -59.99| | 2 1/15/93 RESTAURANT -45.00 -104.99| | 3 1/20/93 INTEREST K -.30 -105.29| | 4 1/25/93 CLOTHING STORE -50.00 -155.29| | 5 1/31/93 ? 1ST NATIONAL BANK CHECKING 105.28 -50.01| | 6 2/20/93 INTEREST C -.65 -50.66| | 7 2/20/93 ? CLOSING DT/BLANK G .00 -50.66| | 8 2/28/93 ? 1ST NATIONAL BANK CHECKING G 50.66 .00| ----------------------------------------------------------------------------- Note: You cannot edit the amount column of the trial line when the 'I' column is anything other than a 'K' or blank. Important: If the 'I' column is set to blank instead of 'K', the next INTEREST amount will be incorrectly computed. The next INTEREST line uses this 'K' to determine when to start calculating interest. You should reconcile your credit card account just as you reconcile your checking account. See CHECKING ACCOUNT in this chapter on how to reconcile an account. Also compare the balance due on your credit card statement with the Payment line. It is possible that these two amounts may differ if some merchants withhold submitting your charges until after the closing date. CHAPTER 5: TIPS ON USING ACCOUNT II 27 ----------------------------------------------------------------------------- |CREDIT CARD Lines 73 Date 1/ 1/93 Rate 12.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 SOFTWARE STORE X -59.99 -59.99| | 2 1/15/93 RESTAURANT X -45.00 -104.99| | 3 1/20/93 INTEREST K X -.30 -105.29| | 4 1/25/93 CLOTHING STORE -50.00 -155.29| | 5 1/31/93 ? 1ST NATIONAL BANK CHECKING 105.28 -50.01| | 6 2/20/93 INTEREST C -.65 -50.66| | 7 2/20/93 ? CLOSING DT/BLANK G .00 -50.66| | 8 2/28/93 ? 1ST NATIONAL BANK CHECKING G 50.66 .00| ----------------------------------------------------------------------------- Account II can also automatically calculate your payments if you want to maintain a balance in the credit card account instead of paying the entire balance each month. Select <Y> SET BALANCE and enter the balance you want to maintain on the top line of the account display. Make sure you enter the SET BALANCE as a negative. ----------------------------------------------------------------------------- |CREDIT CARD Lines 73 Date 1/ 1/93 Rate 12.000% Set -30.00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 SOFTWARE STORE X -59.99 -59.99| | 2 1/15/93 RESTAURANT X -45.00 -104.99| | 3 1/20/93 INTEREST K X -.30 -105.29| | 4 1/25/93 CLOTHING STORE -50.00 -155.29| | 5 1/31/93 ? 1ST NATIONAL BANK CHECKING 105.28 -50.01| | 6 2/20/93 INTEREST C -.65 -50.66| | 7 2/20/93 ? CLOSING DT/BLANK G .00 -50.66| | 8 2/28/93 ? 1ST NATIONAL BANK CHECKING G 20.66 -30.00| ----------------------------------------------------------------------------- The balance of the line with the 'G' in the 'I' column (line 8 above) now equals the Set amount on the top line of the Account. Notice a 'G' is used in the 'I' column of the PAYMENT line, instead of a 'B'. If for some reason you were to overpay your credit card bill, a 'B' would transfer money from the CREDIT CARD account back to the CHECKING account. In actuality, this positive balance would normally remain in the CREDIT CARD account. An upper case 'G' only allows money to transfer into the credit card account and not out of it. The 'G' signifies that the AMOUNT column will always be 'G'reater than or equal to zero. An 'L' in the 'I' column is used in a similar manner, except the money is transferred in the opposite direction, causing the amount column to always be 'L'ess than or equal to zero. When the payment date arrives, you are alerted with a '?' next to the Credit card account title on the MAIN MENU. This is due to the '?' in the check column of the Payment line (line 5 above). Enter the Credit card account, edit the Payment line (line 5 above) and replace the '?' in the check column with the check number you write. Also enter the ending balance due in the amount column. If you choose not to pay off the entire balance, enter the minimum payment due or whatever amount you wish to pay. If you want Account II to print the check, terminate the trial line with CHAPTER 5: TIPS ON USING ACCOUNT II 28 PRINT CHECK. Refer to chapter 3 for instructions for changing the check settings. ----------------------------------------------------------------------------- |CREDIT CARD Lines 73 Date 1/ 1/93 Rate 12.000% Set -30.00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 SOFTWARE STORE X -59.99 -59.99| | 2 1/15/93 RESTAURANT X -45.00 -104.99| | 3 1/20/93 INTEREST K X -.30 -105.29| | 4 1/25/93 CLOTHING STORE -50.00 -155.29| | 5 1/31/93 101 1ST NATIONAL BANK CHECKING 105.28 -50.01| | 6 2/20/93 INTEREST C -.65 -50.66| | 7 2/20/93 ? CLOSING DT/BLANK G .00 -50.66| | 8 2/28/93 ? 1ST NATIONAL BANK CHECKING G 20.66 -30.00| ----------------------------------------------------------------------------- Tip: Always print your check from the Credit Card account instead of the checking account (or whatever account is in the transfer column). The address and memo blocks are saved so you don't have to reenter this information each time you print your Credit card check. UTILITY ACCOUNT To open a Utility account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'Utility' from the 'Open acc.' window. The Utility account dialog box appears. =Utility account=========================== |payment Amount................... 100.00| |paY to the order of......ELECTRIC COMPANY | |aCcount payment withdrawn from.CHECKING | |First payment date................. 1/31/93| |Interval.......................Monthly | |freQuency............................... 1| |Last payment date..................12/31/94| |***************OPEN ACCOUNT****************| =========================================== When the Utility account dialog box is completed, the first page of the Utility account appears. CHAPTER 5: TIPS ON USING ACCOUNT II 29 ----------------------------------------------------------------------------- |UTILITY Lines 26 Date 1/ 1/93 Rate .000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/31/93 ? ELECTRIC COMPANY CHECKING 100.00 100.00| | 2 2/28/93 ? ELECTRIC COMPANY CHECKING 100.00 200.00| | 3 3/31/93 ? ELECTRIC COMPANY CHECKING 100.00 300.00| | 4 4/30/93 ? ELECTRIC COMPANY CHECKING 100.00 400.00| | 5 5/31/93 ? ELECTRIC COMPANY CHECKING 100.00 500.00| | 6 6/30/93 ? ELECTRIC COMPANY CHECKING 100.00 600.00| | 7 7/31/93 ? ELECTRIC COMPANY CHECKING 100.00 700.00| | 8 8/31/93 ? ELECTRIC COMPANY CHECKING 100.00 800.00| | 9 9/30/93 ? ELECTRIC COMPANY CHECKING 100.00 900.00| | 10 10/31/93 ? ELECTRIC COMPANY CHECKING 100.00 1000.00| | 11 11/30/93 ? ELECTRIC COMPANY CHECKING 100.00 1100.00| | 12 12/31/93 ? ELECTRIC COMPANY CHECKING 100.00 1200.00| | 13 12/31/93 ? YEARLY TOTAL B -1200.00 .00| | 14 1/31/94 ? ELECTRIC COMPANY CHECKING 100.00 100.00| | 15 2/28/94 ? ELECTRIC COMPANY CHECKING 100.00 200.00| ----------------------------------------------------------------------------- The following describes each of the Utility account dialog box lines. Payment amount - Enter your average projected utility bill amount. paY to the order of - Enter the name of the institution that you write your payment check to. This appears in the 'Description' column of the payment line (line 1 above). accOunt payment withdrawn from - Enter the account that your Utility payments are withdrawn from. This appears in the 'Transfer' column of the payment line (line 1 above). First payment date, Interval, freQuency and Last payment date work together. Account II sets the date of the first Payment line (line 1 above) to the 'First payment date'. The next Payment date (line 2 above) is calculated by incrementing the 'First payment date' according to the selected 'Interval' and 'freQuency'. This procedure continues until the 'Last payment date' is exceeded. Important: Make sure that the 'First payment date' is set ahead of the payment due date a sufficient number of days to insure your payment arrives in time. SETTING UP THE UTILITY ACCOUNT Complete the Utility account dialog box as described above, then select 'OPEN ACCOUNT' at the bottom of the dialog box and enter the account title. MAINTAINING THE UTILITY ACCOUNT When the utility statement arrives, enter the Utility account, edit the payment line and modify the amount to that on your utility statement. Terminate the trial line with <S> SINGLE. CHAPTER 5: TIPS ON USING ACCOUNT II 30 ----------------------------------------------------------------------------- |UTILITY Lines 26 Date 1/ 1/93 Rate .000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/31/93 ? ELECTRIC COMPANY CHECKING 96.00 96.00| ----------------------------------------------------------------------------- When the payment date arrives, you are alerted with a '?' next to the Utility title in the MAIN MENU. Enter the Utility account and edit the payment line. Replace the '?' in the check column with the check number. If you want Account II to print the check, terminate the trial line by selecting PRINT CHECK. Refer to chapter 3 for instructions for changing the check settings. Tip: Always print your check from the Utility account instead of the checking account. The address and memo blocks are saved so you don't have to reenter this information each time you print your Utility check. ----------------------------------------------------------------------------- |UTILITY Lines 26 Date 1/ 1/93 Rate .000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/31/93 101 ELECTRIC COMPANY CHECKING 96.00 96.00| ----------------------------------------------------------------------------- Important: Payment amounts must be a positive number in the Utility account in order that they are negative in the transfer (in this case Checking) account. Note: The Utility account is blanked out in the PORTFOLIO display, otherwise your net worth will increase each time you pay your utility bill. STOCKS ACCOUNT To open a Stock account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'Stock' from the 'Open acc.' window. The Stock account dialog box appears. =Stock account================ |Number of shares.......... 100| |Price per share..... 20.00| |purchase Date......... 1/ 1/93| |*********OPEN ACCOUNT*********| ============================== When the Stock account dialog box is completed, the first page of the Stock account appears. ----------------------------------------------------------------------------- |STOCK Lines 1 Date 1/ 1/93 Rate .000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 NUMBER OF SHARES 100.00 100.00| ----------------------------------------------------------------------------- The following describes each of the Stock account dialog box lines. Number of shares - Enter the total number of shares you own. This appears in the amount column of the NUMBER OF SHARES line. Note: This is not the cash value. CHAPTER 5: TIPS ON USING ACCOUNT II 31 Price per share - Enter the current price per share of the stock. This appears on the stock line of the Portfolio display. purchase Date - Enter the date you bought the shares. This appears in the date column of the NUMBER OF SHARES line. SETTING UP THE STOCKS ACCOUNT Complete the Stocks account dialog box as described above, then select 'OPEN ACCOUNT' at the bottom of the dialog box and enter the account title. MAINTAINING THE STOCKS ACCOUNT The total value of the stock is shown in the Portfolio display. You should check the current price per share of the stock periodically and enter this value next to the stock title in the Portfolio display by highlighting the STOCK line and selecting <*> MULTIPLY LINE. ----------------------------------------------------------------------------- |PORTFOLIO A Date 1/ 1/93 3/31/93 6/30/93 9/30/93 12/31/93| |STOCK * 20.00 2000.00 2000.00 2000.00 2000.00| ----------------------------------------------------------------------------- ASSET ACCOUNT To open an Asset account, activate the 'Setup' window in the MAIN MENU and select 'open new Account'. Next select 'Asset' from the 'Open acc.' window. The Asset account dialog box appears. =Asset account============================= |Appreciation or depreciation..Depreciation | |appreciation Rate................... 8.000| |purchase Date...................... 1/ 1/93| |purchase Price................... 10 000.00| |aCcount purchased from.........CHECKING | |First appreciation date............12/31/93| |Interval.......................Annually | |freQuency............................... 1| |Last appreciation date.............12/31/98| |***************OPEN ACCOUNT****************| =========================================== When the Asset account dialog box is completed, the first page of the Asset account appears. CHAPTER 5: TIPS ON USING ACCOUNT II 32 ----------------------------------------------------------------------------- |CAR ASSET Lines 7 Date 1/ 1/93 Rate -8.000% Set .00 Balance| |Ln# Date Ck# Description Transfer Tax I C Amount .00| | 1 1/ 1/93 PURCHASE PRICE CHECKING 10000.00 10000.00| | 2 12/31/93 DEPRECIATION S -797.16 9202.84| | 3 12/31/94 DEPRECIATION S -733.65 8469.19| | 4 12/31/95 DEPRECIATION S -675.25 7793.94| | 5 12/31/96 DEPRECIATION S -622.20 7171.74| | 6 12/31/97 DEPRECIATION S -573.05 6598.69| | 7 12/31/98 DEPRECIATION S -525.60 6073.09| ----------------------------------------------------------------------------- The following describes each of the Asset account dialog box lines. Appreciation or depreciation - Select either 'Appreciation' or 'Depreciation'. If you select appreciation, the rate on the top line of the account display is positive. If you select depreciation, the rate is negative. appreciation Rate - Enter the projected appreciation rate for the asset. This rate is inserted on the top line of the Asset account next to RATE. purchase Date - Enter the date you purchased the asset or the date you want to begin the appreciation/depreciation. purchase Price - Enter the initial cost of the asset. accOunt purchased from - Enter the account that your asset is purchased from. This appears in the 'Transfer' column of the PURCHASE PRICE line. First appreciation date, Interval, freQuency and Last appreciation date work together. Account II sets the date of the first APPRECIATION or DEPRECIATION line to the 'First appreciation date'. The next APPRECIATION or DEPRECIATION date is calculated by incrementing the 'First appreciation date' according to the selected 'Interval' and 'freQuency'. This procedure continues until the 'Last appreciation date' is exceeded. CHAPTER 6: TAX FORMS =============================================================================== This chapter gives a line-by-line explanation of the tax forms supported by Account II. The format of each form more or less follows the format of forms printed by the IRS. However changes in layout are made to conform with screen limitations. The tax forms in this version of Account II use the 1993 Federal tax rules. For tax year 1994 and later, the proposed 1994 Federal tax rules are used. Important: To change tax year, activate the 'Setup' window from the MAIN MENU, select 'portFolio parameters' then select 'Tax year'. The following three types of mnemonics can be found on certain lines of the forms. 1) Tax Category: A four letter mnemonic enclosed in brackets (e.g. [ZTEI]). This mnemonic is inserted in the tax column of the account page. The amount column of this line will be included on the line of the tax form which contains this mnemonic. Some lines contain two categories separated by a '/' (e.g., [ZWAG/S]). This indicates that this line contains the sum of categories ZWAG plus ZWAS. Generally the first letter of the tax category is the same as the second letter of the tax form code (e.g., ZWAG and FZ1). 2) Tax Form: A three letter mnemonic enclosed in parentheses (e.g. (FB1)). This indicates that all or part of the amount for this line is either transferred to or from the form in parentheses. A more complete description to where this amount is transferred can be found in the line-by-line instructions for the form in this chapter. 3) Option: A two letter mnemonic enclosed in 'less than' and 'greater than' signs (e.g., <Z1>). Selecting this two letter code prompts for either a single character or an integer between 0 - 127. Most often, the acceptable response is 'Y' (yes) or 'N' (no) to a query displayed on the form next to the Option. Other acceptable responses for some Options are 'X' (select) or ' ' (don't select). Each Option and its acceptable response is listed in the line-by-line instructions. If an unacceptable option is selected, the alert 'BAD OPTION XX-YY' is displayed on the top line of the tax form. 'XX' is the two letter option mnemonic and 'YY' is the year that the option is not valid. This version of Account II uses the 1994 proposed changes for tax years 1994 and later. FORM 1040 - U.S. INDIVIDUAL INCOME TAX RETURN Lines 1-5: <Z1> must be between 1-5. Line 6a: <Z6> must be 'X' or blank. If <Z8> on line 33b is 'X', <Z6> is set to blank. Line 6b: <Z7> must be 'X' or blank. Line 6c: <Z2> must be between 0 - 99. Line 6e: Equals line 6c plus 1 if <Z6> is 'X', plus 1 if <Z7> is 'X'. CHAPTER 6: TAX FORMS 2 Line 7: [ZWAG] are your wages. [ZWAS] are spouse's wages. [ZTDI] is your disability income. [ZTDS] is spouse's disability income. [ZTDI] and [ZTDS] are transferred to Schedule R (FR1) line 11. Transferred from Form 2106 (FU1 and FU2) the negative amounts on lines 8 column A. Transferred from Form 2441 (FK1) line 20. Transferred from Form 4137 (FT1) line 3 the sum of columns 'YOURS' plus 'SPOUSE'. Line 8a: Transferred from Schedule B (FB1) line 4. Line 9: Transferred from Schedule B (FB1) line 10. Line 10: Transferred from Worksheet 1 (FW1) line 7. Line 12: Transferred from Schedule C (FC1 and FC2) the sum of lines 31. Line 13: Transferred from Schedule D (FD1) line 19 or line 20. Line 14: Transferred from Schedule B (FB1) line 7, if Schedule D (FD1) is not included. If Schedule D is included, this line is set to zero. Line 15: Transferred from Form 4797 (FG1) line 20b(2). If Form 4797 (FG1) is not included, transferred from Form 4684 (FJ1) SECTION B lines 31 and 38a. Line 16a: [ZIRN] are your nontaxable distributions. [ZIRT] are your taxable distributions. Line 16b: The total of [ZIRT] plus Form 8606 (FH1) line 13. Line 17a: Transferred from Worksheet 2 (FW2) line 1 the sum of Plan 1 and Plan 2. Line 17b: Transferred from Worksheet 2 (FW2) line 9 the sum of Plan 1 and Plan 2. Line 18: Transferred from Schedule E (FE1) line 40. Line 19: Transferred from Schedule F (FF1 and FF2) the sum of lines 36. Line 21a: Transferred from Worksheet 3 (FW3) line 1. Line 21b: Transferred from Worksheet 3 (FW3) line 10. Line 22: [ZNOL] is transferred to Form 6251 (FQ1) line 2. Line 24a: Transferred from Worksheet 4 (FW4) line 3 of IRA Worksheet #1 'YOURS' column or line 9 of IRA Worksheet #2 'YOURS' column. Line 24b: Transferred from Worksheet 4 (FW4) line 3 or 8 of IRA Worksheet #1 'SPOUSE' column, or line 9 or 19 of Worksheet #2 'SPOUSE' column. CHAPTER 6: TAX FORMS 3 Line 25: Transferred from Schedule SE (FS1) line 5, the sum of columns 'YOURS' plus 'SPOUSE' divided by 2. Line 26: Transferred from Worksheet 6 (FW6) line 6. Line 27: [ZKEO] are your Keogh deductions. [ZKES] are spouse's Keogh deductions. [ZSEP] are your SEP deductions. [ZSES] are spouse's SEP deductions. Line 33a: <ZA>, <ZB>, <ZC> and <ZD> must be 'X' or blank. The total number of boxes checked is displayed on this line. Line 33b: <Z8> must be 'X' or blank. If you select 'X', Worksheet 9 (FW9) is used to calculate your standard deduction on line 34. Line 33c: <Z9> must be 'X' or blank. If you select 'X', your standard deduction on line 34 is set to zero. Line 34: The larger of either your standard deduction or your itemized deductions from Schedule A (FA1) line 26 is automatically entered. The standard deduction is automatically calculated based on the charts on page 23 of Form 1040 instructions, your filing status, and the number of boxes checked on line 33a. If you checked the box on line 33b, the standard deduction is calculated using Worksheet 9 (FW9) line 5A or 5C. If you checked the box on line 33C, your standard deduction is set to zero. For tax year 1993 and later, the standard deduction is increased to $3,700 if filing single, $6,200 married filing jointly or qualifying widow(er), $3,100 married filing separately and $5,450 head of household. Line 36: Line 6e times $2,300. This amount may be reduced by Worksheet 8 (FW8) line 8. The reduction is calculated even if the exemption worksheet is not included. For tax year 1993 and later, the exemption amount is increased to $2,350 times line 6e. Line 38: If line 37 is less than $100,000 the tax tables are used to calculate your tax. If the amount on line 37 is greater than or equal to $100,000, the tax rate schedules are used. Your filing status <Z1> is used to determined which Table or Schedule is used. The amount on line 38 is replaced with Schedule D (FD1) line 29 if Schedule D part IV is completed. Line 39: You must manually complete Form 4970 and/or 4972 and enter the result in a dummy account with the tax category [ZX70] or [ZX72] respectively. Line 41: Transferred from Form 2441 (FK1) line 10. Line 42: Transferred from Schedule R (FR1) line 21. Line 43: You must manually complete Form 1116 and enter the result in a dummy account with the tax category [ZFTC]. CHAPTER 6: TAX FORMS 4 Line 47: Transferred from Schedule SE (FS1) line 5 the sum of columns 'YOURS' plus 'SPOUSE'. Line 48: Transferred from Form 6251 (FQ1) line 22. Line 50: Transferred from Form 4137 (FT1) line 16 the sum of columns 'YOUR' plus 'SPOUSE'. Line 51: You must manually complete Form 5329 and enter the result in a dummy account with the tax category [ZITX]. Line 55: Transferred from Estimated Tax Worksheet (FX1) the sum of all actual payments. The projected payments from the Estimated Tax Worksheet are also added if <X2> on (FX1) is 'X'. Line 56: Transferred from Schedule EIC (FO1) line 20. Line 57: You must manually complete Form 4868 and enter the result in a dummy account with the tax category [ZEXT]. Line 58a: Transferred from Worksheet 7 (FW7) line 11 the sum of columns 'YOURS' plus 'SPOUSE'. Line 58b: You must manually complete Form 8841 and enter the result in a dummy account with the tax category [ZDEF]. Line 62: Equals line 60 minus line 63 but not less than zero. Line 63: If the total of categories [ZETX] is more than line 61, line 63 is set to line 60. Transferred to next years Estimated Tax Worksheet (FX1) line 17. <Z4>: If 'Y', the amount on line 61 or 64 is added to the 'TAX' line at the bottom of the Net Worth display. Any amount on line 61 will show up as a negative value. SCHEDULE A - ITEMIZED DEDUCTIONS Line 2: Transferred from Form 1040 (FZ1) line 32. Line 5: [ASTW] is entered here and on your state tax return. [ASTT] is entered here only. Line 11: Transferred from Form 4952 (FI1) line 6. Line 17: Transferred from Form 4684 (FJ1) Section A, line 18. Line 18: Transferred from Form 3903 (FM1) line 19. Line 19: Transferred from Form 2106 (FU1 and FU2) sum of lines 11. Line 20: Transferred from Form 4684 (FJ1) Section B, lines 32 plus 38b. Also transferred from Form 4797 (FG1) line 20b(1). Line 22: Transferred from Form 1040 (FZ1) line 32. CHAPTER 6: TAX FORMS 5 Line 26: Transferred to Form 1040 (FZ1) line 34. For tax year 1993, if Form 1040, line 32 is greater than $108,450 ($54,225 if married filing separately) the Itemized Deduction Worksheet is completed and line 26 is replaced with line 10 of the worksheet. For tax year 1992 and earlier, the Worksheet is completed if line 32 is greater than $105,250 ($52,625 if married filing separately). For tax year 1994 and later, the Worksheet is completed if line 32 is greater than $111,800 ($55,900 if married filing separately). Worksheet line 5: Transferred from Form 1040 (FZ1) line 32. Worksheet line 6: <Z1> on Form 1040 (FZ1) is used to determine the amount. For tax year 1992 and earlier, $105,250 is entered ($52,625 if married filing separately). For tax year 1994 and later, $111,800 is entered ($55,900 if married filing separately). SCHEDULE B - INTEREST AND DIVIDEND INCOME Line 3: You must manually complete Form 8815 and enter the result in a dummy account with the tax category [BSBI]. Line 4: Transferred to Form 1040 (FZ1) line 8A. Line 5: Use tax category [BCGD] for dividend income that is also a capital gain distribution. [BCGD] also goes on line 7. Use tax category [BDNT] for dividend income that is also a nontaxable distribution. [BDNT] also goes on line 8. Line 7: Transferred to Schedule D (FD1) line 14. If FD1 is not included, this line is transferred to Form 1040 (FZ1) line 14. Line 10: Transferred to Form 1040 (FZ1) line 9. SCHEDULE C - PROFIT AND LOSS FORM BUSINESS (copy 1) <C3> must be 'Y', 'S' or 'B'. <C5> must be 'Y' or 'N'. Line 1: <C1> must be 'X' or blank. Line 13: You must manually complete Form 4562 and enter the result in a dummy account with the tax category [CDEP]. Line 31: Transferred to Form 1040 (FZ1) line 12. Also transferred to Schedule SE (FS1) line 2 'YOURS' column if <C3> is 'Y' or to 'SPOUSE' column if <C3> is 'S'. If <C3> is 'B', line 31 is split between 'YOURS' and 'SPOUSE' column. If <C1> is 'Y', line 31 is not transferred to Schedule SE. CHAPTER 6: TAX FORMS 6 If <C5> is 'N' line 31 is transferred to the appropriate line of Form 8582 (FV1) Worksheet 2. Line 31 may then be replaced by the appropriate line on Form 8582. If so, a | P | is entered in the space on line 31. SCHEDULE C - PROFIT OR LOSS FROM BUSINESS (copy 2) <C4> must be 'Y', 'S' or 'B'. <C6> must be 'Y' or 'N'. Line 1: <C2> must be 'X' or blank. Line 13: You must manually complete Form 4562 and enter the result in a dummy account with the tax category [CSDP]. Line 31: Transferred to Form 1040 (FZ1) line 12. Also transferred to Schedule SE (FS1) line 2 'YOURS' column if <C4> is 'Y' or to 'SPOUSE' column if <C4> is 'S'. If <C4> is 'B', line 31 is split between 'YOURS' and 'SPOUSE' column. If <C2> is 'Y', line 31 is not transferred to Schedule SE. If <C6> is 'N' line 31 is transferred to the appropriate line of Form 8582 (FV1) Worksheet 2. Line 31 may then be replaced by the appropriate line on Form 8582. If so, a | P | is entered in the space on line 31. SCHEDULE D - CAPITAL GAINS AND LOSSES Line 1: Use tax category [DSBP] for column (d) and [DSBC] for column (e). Line 4: Use tax category [DSKL] for column (f) and [DSKG] for column (g). Column (g) also includes the sum of Form 2119 (FP1) line 17 or 23 plus Form 6252 (FL1) line 26 or 37. Line 5: Use tax category [DSPL] for column (f) and [DSPG] for column (g). Line 6: Transferred from Schedule D Capital Loss Carryover Worksheet line 9 from the previous tax year. If previous tax year line 9 is not calculated, enter carryover in a dummy account with the tax category [DSCO]. Line 9: Use tax category [DLBP] for column (d) and [DLBC] for column (e). Line 12: Use tax category [DLKL] for column (f) and [DLKG] for column (g). Column (g) includes the sum of Form 2119 (FP1) line 17 or 23 plus Form 6252 (FL1) line 26 or 37 plus Form 4797 (FG1) line 8 or 10. Line 13: Use tax category [DLPL] for column (f) and [DLPG] for column (g). Line 14: Transferred from Schedule B (FB1) line 7. Line 15: Transferred from Schedule D Capital Loss Carryover Worksheet line 14 from the previous tax year. If previous tax year line 14 is not calculated, enter carryover in a dummy account with the tax category [DLCO]. CHAPTER 6: TAX FORMS 7 Line 18: If positive, transferred to Form 1040 (FZ1) line 13. Line 19: Transferred to Form 1040 (FZ1) line 13. SCHEDULE D TAX WORKSHEET Lines 1 - 13: For tax year 1994 and later, the amount on Form 1040 (FZ1) line 37 must be greater than $55,100 for single filing status, $91,850 for married filing jointly or qualifying widow(er), $45,925 for married filing separately and $78,700 for head of household. Otherwise lines 21 through 29 are set to zero. Line 1: Transferred from Form 1040 (FZ1) line 37. Line 3: Transferred from Form 4952 (FI1) line 4e. Line 6: <Z1> from Form 1040 (FZ1) lines 1-5 is used to determine amount. For tax year 1994 and later, $22,750 is entered for single filing status, $38,000 for married filing jointly or qualifying widow(er), $19,000 for married filing separately and $30,500 for head of household. Line 9: (See Form 1040 (FZ1) line 38 instructions). Line 12: (See Form 1040 (FZ1) line 38 instructions). Line 13: Transferred to Form 1040 (FZ1) line 38. CAPITAL LOSS CARRYOVER WORKSHEET Line 1: Transferred from Form 1040 (FZ1) line 35. Lines 5 - 9: Set to zero if line 8 of Schedule D is greater than zero. Line 9: Transferred to Schedule D line 6 for the next tax year. Lines 10 - 14: Set to zero if line 18 of Schedule D is greater than zero. Line 14: Transferred to Schedule D (FD1) line 15 for the next tax year. SCHEDULE E - SUPPLEMENTAL INCOME AND LOSS <E1>, <E2>, <E3> AND <E4> must be either 'X' or blank. Lines 3 - 18 and 20: Replace the '*' in the tax category with 'A' or 'B' for Property A or Property B. Line 20: You must manually complete Form 4562 and enter the result in a dummy account with the tax category [EDP*]. Line 23: If line 4 is positive and line 22 is negative, the amount on line 22 is entered on line 23. If <E1> or <E2> is 'X' line 23 is transferred to the appropriate line of Form 8582 (FV1) Worksheet 1 or 2. This line may then be replaced by the appropriate line on Form 8582. CHAPTER 6: TAX FORMS 8 Line 39: Transferred from Form 4835 (FN1) line 32. Line 40: Transferred to Form 1040 (FZ1) line 18. NOTE: The back side of Schedule E is not supported. SCHEDULE F - FARM INCOME AND EXPENSES (copy 1) <F5> must be 'Y', 'S' or 'B'. <F1> must be 'C' or 'A'. <F7> must be 'Y' or 'N'. Line 5a: [FTCD] is the nontaxable amount. [FTCX] is the taxable amount. Line 6a: [FAPP] is the nontaxable amount. [FAPX] is the taxable amount. Line 7b: [FCCF] is the nontaxable amount. [FCCX] is the taxable amount. Line 8a: [FCRP] is the nontaxable amount. [FCRX] is the taxable amount. Line 11: If <F1> is 'C', then the sum of lines 3 through 10 right columns is entered. If <F1> is 'A', then the amount from line 51 is entered. Line 16: You must manually complete Form 4562 and enter the result in a dummy account with the tax category [FDEP]. Line 36: Transferred to Form 1040 (FZ1) line 19. Also transferred to Schedule SE (FS1) line 1 'YOURS' column if <F5> is 'Y' or to 'SPOUSE' column if <F5> is 'S'. If <F5> is 'B', line 36 is split between 'YOURS' and 'SPOUSE' column. If <F7> is 'N' line 36 is transferred to the appropriate line of Form 8582 (FV1) Worksheet 2. Line 36 may then be replaced by the appropriate line on Form 8582. If so, a | P | is entered in the space on line 36. Line 39a: [FTCD] is the nontaxable amount. [FTCX] is the taxable amount. Line 40a: [FAPP] is the nontaxable amount. [FAPX] is the taxable amount. Line 41b: [FCCF] is the nontaxable amount. [FCCX] is the taxable amount. Line 50: If <F2> at the bottom of this form is 'Y', and line 50 is larger than line 49, then line 50 minus line 49 is entered. Line 51: If <F2> at the bottom of this form is 'Y', and line 50 is larger than line 49, then the sum of line 46 plus line 51 is entered. This line entered on line 11 if <F1> is 'A'. SCHEDULE F - FARM INCOME AND EXPENSES (copy 2) <F6> must be 'Y', 'S' or 'B'. CHAPTER 6: TAX FORMS 9 <F3> must be 'C' or 'A'. <F8> must be 'Y' or 'N'. Line 5a: [FSTD] is the nontaxable amount. [FSTX] is the taxable amount. Line 6a: [FSAP] is the nontaxable amount. [FSAX] is the taxable amount. Line 7b: [FSCF] is the nontaxable amount. [FSCX] is the taxable amount. Line 8a: [FSRR] is the nontaxable amount. [FSRX] is the taxable amount. Line 11: If <F3> is 'C', then the sum of lines 3 through 10 right columns is entered. If <F3> is 'A', then the amount from line 51 is entered. Line 16: You must manually complete Form 4562 and enter the result in a dummy account with the tax category [FSDP]. Line 36: Transferred to Form 1040 (FZ1) line 19. Also transferred to Schedule SE (FS1) line 1 'YOURS' column if <F6> is 'Y' or to 'SPOUSE' column if <F6> is 'S'. If <F6> is 'B', line 36 is split between 'YOURS' and 'SPOUSE' column. If <F8> is 'N' line 36 is transferred to the appropriate line of Form 8582 (FV1) Worksheet 2. Line 36 may then be replaced by the appropriate line on Form 8582. If so, a | P | is entered in the space on line 36. Line 39a: [FSTD] is the nontaxable amount. [FSTX] is the taxable amount. Line 40a: [FSAP] is the nontaxable amount. [FSAX] is the taxable amount. Line 41b: [FSCF] is the nontaxable amount. [FSCX] is the taxable amount. Line 50: If <F4> at the bottom of this form is 'Y', and line 50 is larger than line 49, then line 50 minus line 49 is entered. Line 51: If <F4> at the bottom of this form is 'Y', and line 50 is larger than line 49, then the sum of line 46 plus line 51 is entered. This line is entered on line 11 if <F3> is 'A'. SCHEDULE R - CREDIT FOR THE ELDERLY OR THE DISABLED <RA>, <RB> and <W1> must be either 'Y' or 'N'. Lines 1 - 9: The appropriate box is automatically checked based on your selection for <Z1> Form 1040 (FZ1), <ZA> and <ZC> Form 1040 (FZ1), and <RA>, <RB>, and <W1> at the top of this Form. Line 10: Automatically calculated based on the box checked on lines 1 - 9. Line 11: Transferred from Form 1040 (FZ1) line 7 [ZTDI] (your disability income) plus [ZTDS] (spouse's disability income). Line 13a: Transferred from Form 1040 (FZ1) line 21a minus line 21b. Line 13b: Transferred from Form 1040 (FZ1) line 17a minus line 17b. CHAPTER 6: TAX FORMS 10 Line 14: Transferred from Form 1040 (FZ1) line 32. Line 15: Automatically calculated based on the box checked on lines 1 - 9. Line 21: Transferred to Form 1040 (FZ1) line 42. If the Worksheet for line 21 is completed, and line C is smaller than that calculated for this line, replace this line with the result on line C. Worksheet lines 1 - 4: Set to zero unless Form 1040 (FZ1) line 23 is greater than $30,000 and <Z1> is 1 or 4, $40,000 if <Z1> is 2 or 5, or $20,000 if <Z1> is 3 and Form 1040 (FZ1) lines 12, 13, 18 and 19 are all not zero. Worksheet line 1: Transferred from Form 1040 (FZ1) line 40 minus line 41. Worksheet line 2: Transferred from Form 6251 (FQ1) line 18. SCHEDULE SE - SOCIAL SECURITY SELF-EMPLOYMENT TAX Line 1: 'YOURS' column transferred from Schedule F (FF1) line 36 if <F5> is 'Y' or one-half of line 36 if <F5> is 'B' plus Schedule F (FF2) line 36 if <F6> is 'Y' or one-half of line 36 if <F6> is 'B'. Line 1: 'SPOUSE' column transferred from Schedule F (FF1) line 36 if <F5> is 'S' or one-half of line 36 if <F5> is 'B' plus Schedule F (FF2) line 36 if <F6> is 'S' or one-half of line 36 if <F6> is 'B'. Line 2: 'YOURS' column transferred from Schedule C (FC1) line 31 if <C3> is 'Y' or one-half of line 31 if <C3> is 'B' plus Schedule C (FC2) line 31 if <C4> is 'Y' or one-half of line 31 if <C4> is 'B'. Line 2: 'SPOUSE' column transferred from Schedule C (FC1) line 31 if <C3> is 'S' or one-half of line 31 if <C3> is 'B' plus Schedule C (FC2) line 31 if <C4> is 'S' or one-half of line 31 if <C4> is 'B'. Line 5: Transferred to Form 1040 (FZ2) line 47. Also one-half of line 5 is transferred to Form 1040 (FZ1) line 25. For tax year 1992 and earlier, line 4 is multiplied by 15.3% if less than $55,500. If line 4 is more than $55,500 but less than $130,200, line 4 is multiplied by the amount in excess of $55,500 by 2.9% and $8,491.50 is added. If line 4 is more than $130,200, $10,657.80 is entered. For tax year 1993, line 4 is multiplied by 15.3% if less than $57,600. If line 4 is more than $57,600 but less than $135,000, line 4 is multiplied by the amount in excess of $57,600 by 2.9% and $8,812.80 is added. If line 4 is more than $135,000, $11,057.40 is entered. For tax year 1994 and later, line 4 is multiplied by 15.3% if less than $57,600. If line 4 is more than $57,600, line 4 is multiplied by the amount in excess of $57,600 by 2.9% and $9,271.80 is added. SCHEDULE EIC - EARNED INCOME CREDIT <O1> must be between 0 - 99. CHAPTER 6: TAX FORMS 11 Line 1: Transferred from Form 1040 (FZ1) line 7. Line 8 and 10: Automatically calculated based on the EIC table A of the 1040 instructions. For tax year 1992 and earlier, the 1992 EIC table is used. For tax year 1993 and later, the 1993 EIC table is used. Line 9: Transferred from Form 1040 (FZ1) line 31. Line 12 and 13: Automatically calculated based on the EIC table B of the 1040 instructions. For tax year 1992 and earlier, the 1992 EIC table is used. For tax year 1993 and later, the 1993 EIC table is used. <O2> must be 'X' or blank. If blank, lines 17 - 19 are set to zero. Line 17 and 18: Automatically calculated based on the EIC table C of the 1040 instructions. For tax year 1992 and earlier, the 1992 EIC table is used. For tax year 1993 and later, the 1993 EIC table is used. Line 20: Transferred to Form 1040 (FZ1) line 56. Worksheet line 1A: Transferred from Schedule SE (FS1) line 3 the sum of columns 'YOURS' plus 'SPOUSE'. Worksheet line 1D: Form 1040 (FZ1) line 25. Worksheet line 2A: Transferred from Schedule F (FF1 and FF2) the sum of lines 36. Worksheet line 2B: Transferred form Schedule C (FC1 and FC2) the sum of lines 31. Worksheet line 3: The sum of Schedule C (FC1) line 1 if <C1> is 'X' plus Schedule C (FC2) line 1 if <C2> is 'X'. FORM 2106 - EMPLOYEE BUSINESS EXPENSES (your copy) Line 1: The larger of line 22 due to Vehicle 1 or line 29 Vehicle 1, plus the larger of line 22 due to Vehicle 2 or line 29 Vehicle 2. Lines 7: Replace the '*' in the tax category with an 'A' or 'B' for Column A or Column B. Line 8: Column A transferred to Form 1040 (FZ1) line 7 if negative. Line 11: Transferred to Schedule A (FA1) line 19. Lines 13, 14, 16, 17, 23, 24a, 24b, 25, 30, 31 and 36: Replace the '*' in the tax category with a '1' or '2' for Vehicle 1 or Vehicle 2. Lines 13, 14, 16 and 17: Enter the number of miles in a dummy account with the appropriate tax category. One dollar equals one mile. Section B: <UA> must be 'Y' or 'N'. Line 22: Line 14 is multiplied by $.28. If <UA> is 'Y', line 14 is multiplied by .42. CHAPTER 6: TAX FORMS 12 Line 33: <U1> and <U2> must be between 0 - 100. FORM 2106 - EMPLOYEE BUSINESS EXPENSES (spouse copy) Line 1: The larger of line 22 due to Vehicle 1 or line 29 Vehicle 1, plus the larger of line 22 due to Vehicle 2 or line 29 Vehicle 2. Lines 7: Replace the '*' in the tax category with an 'A' or 'B' for Column A or Column B. Line 8: Column A transferred to Form 1040 (FZ1) line 7 if negative. Line 11: Transferred to Schedule A (FA1) line 19. Lines 13, 14, 16, 17, 23, 24a, 24b, 25, 30, 31 and 36: Replace the '*' in the tax category with a '1' or '2' for Vehicle 1 or Vehicle 2. Lines 13, 14, 16 and 17: Enter the number of miles in a dummy account with the appropriate tax category. One dollar equals one mile. Section B: <UA> must be 'Y' or 'N'. Line 22: Line 14 is multiplied by $.28. If <US> is 'Y', line 14 is multiplied by .42. Line 33: <U1> and <U2> must be between 0 - 100. FORM 2119 - SALE OF YOUR HOME <P7> and <P8> must be 'Y' or 'N'. Line 2: <P1> must be 'Y' or 'N'. Line 3: <P2> must be 'Y' or 'N'. Line 9: <P9> must be 'Y' or 'N'. <P6> must be 'Y' or 'N'. Line 10: <P3> must be 'Y', 'S' or 'B'. Line 11: <P5> must be 'Y' or 'N'. Line 14: The amount is automatically entered based on <Z1> on Form 1040 (FZ1). Lines 14 and 22: If <P8> is 'Y' then the sum of lines 14 and 22 is transferred to Form 6252 (FL1) line 15. Line 15: Transferred to Schedule D (FD1) line 4 if <P1> is 'N', <P8> is 'N' and <P7> is 'N'. Transferred to Schedule D (FD1) line 12 if <P1> is 'N', <P8> is 'N' and <P7> is 'Y'. Line 21: Transferred to Schedule D (FD1) line 4 if <P7> is 'N'. Transferred to Schedule D (FD1) line 12 if <P7> is 'Y'. CHAPTER 6: TAX FORMS 13 FORM 2441 - CHILD AND DEPENDENT CARE EXPENSES Line 3: <K1> must be between 0 and 99. Line 4: If line 11 is greater than zero, line 25 is entered on line 4. Line 5: The amount on line 22 plus line 26. Line 6: The amount on line 23. Line 8: Transferred from Form 1040 (FZ1) line 32. Line 9: Automatically calculated based on line 8 and the table below line 9. Line 10: Transferred to Form 1040 (FZ1) line 41. Line 14: Same value as line 4. Line 16: Transferred from Form 1040 (FZ1) line 7 [ZWAG] plus [ZTDI] plus Schedule SE (FS1) line 3 'YOURS' column minus one-half of line 5 'YOURS' column plus Form 2106 (FU1) the negative amount on line 8 column A plus Form 4137 (FT1) line 3 'YOURS' column plus Schedule C (FC1) line 1 if <C1> is 'X' and <C3> is 'Y' (one-half if <C3> is 'B') plus Schedule C (FC2) line 1 if <C2> is 'X' and <C4> is 'Y' (one-half if <C4> is 'B'). Line 17: Transferred from Form 1040 (FZ1) line 7 [ZWAS] plus [ZTDS] plus Schedule SE (FS1) line 3 'SPOUSE' column minus one-half of line 5 'SPOUSE' column plus Form 2106 (FU2) the negative amount on line 8 column A plus Form 4137 (FT1) line 3 'SPOUSE' column plus Schedule C (FC1) line 1 if <C1> is 'X' and <C3> is 'S' (one-half if <C3> is 'B') plus Schedule C (FC2) line 1 if <C2> is 'X' and <C4> is 'S' (one-half if <C4> is 'B'). Set to zero if <Z1> on Form 1040 (FZ1) is not 2. Line 20: Transferred to Form 1040 (FZ1) line 7. FORM 3903 - MOVING EXPENSES Part II: <M1> must be 'Y' or 'N'. Line 16: $750 is automatically inserted if <Z1> on Form 1040 (FZ1) is '3' and <M1> on this Form is 'Y'. Otherwise $1,500 is inserted. Line 18: $1,500 is automatically inserted if <Z1> on Form 1040 (FZ1) is '3' and <M1> on this Form is 'Y'. Otherwise $3,000 is inserted. Line 19: Transferred to Schedule A (FA1) line 18. FORM 4137 - COMPUTATION OF SOCIAL SECURITY TAX ON UNREPORTED TIP INCOME Lines 1, 2 and 4: Replace the '*' in the tax category with a 'Y' for YOURS column or 'S' for SPOUSE column. Line 3: Transferred to Form 1040 (FZ1) line 7 the sum of columns 'YOURS' plus 'SPOUSE'. CHAPTER 6: TAX FORMS 14 Line 7: Select [ZWAG] for 'YOUR' column and [ZWAS] for 'SPOUSE' column. Line 6: For tax year 1992 and before, $55,500 is entered. For tax year 1993, $57,600 is entered. For tax year 1994 and later, $60,600 is entered. Line 11: For tax year 1992 and before, $130,200 is entered. For tax year 1993, $135,000 is entered. For tax year 1994 and later, $999,999 is entered. Line 16: Transferred to Form 1040 (FZ1) line 50 the sum of columns 'YOURS' plus 'SPOUSE'. FORM 4684 - CASUALTIES AND THEFTS Lines 2, 3, 5 and 6: Replace the '*' in the tax category with an 'A' or 'B' for Property A or Property B. Line 4: Set to zero if line 3 is greater than line 2. Lines 7 - 9: Set to zero if line 2 is greater than line 3. Line 13: Same value as line 12 since there is only one Form 4684. Line 15: Is not transferred to Schedule D. You must manually calculate the short and long term amount to be transferred to Schedule D. Line 17: Transferred from Form 1040 (FZ1) line 32 times .10. Line 18: Transferred to Schedule A (FA1) line 17. <J1> and <J2>: Select 'T' if property was used in a Trade or Business. Select 'I' if used for Income Producing purposes. <J3> and <J4>: Select 'Y' if property was held more than one year, 'N' if one year or less. Lines 20, 21, 23 and 24: Replace the '*' in the tax category with an 'A' or 'B' for Property A or Property B. Line 22: Set to zero if line 21 is greater than line 20. Transferred to line 29 column (c) if <J3> and/or <J4> is 'N'. Transferred to line 34 column (c) if <J3> and/or <J4> is 'Y'. Line 23- 27: Set to zero if line 20 is greater than line 21. Line 26: The smaller of line 20 or 25 is entered. If line 24 is zero then line 20 is entered. Line 29b(i): Sum of the columns on line 27 whose property was used in a trade of business (<J1> or <J2> is 'T') and whose property was held one year or less (<J3> or <J4> is 'N'). Line 29b(ii): Sum of the columns on line 27 whose property was used for income producing purposes (<J1> or <J2> is 'I') and whose property was held one year or less (<J3> or <J4> is 'N'). CHAPTER 6: TAX FORMS 15 Line 29c: Sum of the columns on line 22 whose property was held one year or less (<J3> or <J4> is 'N'). Line 31: Transferred to Form 4797 (FG1) line 15. If Form 4797 (FG1) is not included, line 31 is transferred to Form 1040 (FZ1) line 15. Line 32: Transferred to Schedule A (FA1) line 20. Line 33: Transferred from Form 4797 (FG1) line 34. Line 34b(i): Sum of the columns on line 27 whose property was used in a trade or business (<J1> or <J2> is 'T') and whose property was held more than one year (<J3> or <J4> is 'Y'). Line 34b(ii): Sum of the columns on line 27 whose property was used for income producing purposes (<J1> or <J2> is 'I') and whose property was held more than one year (<J3> or <J4> is 'Y'). Line 34c: Sum of the columns on line 22 whose property was held more than one year (<J3> or <J4> is 'Y'). Line 38a: Transferred to Form 4797 (FG1) line 15. If (FG1) is not included, line 38a is transferred to Form 1040 (FZ1) line 15. Line 38b: Transferred to Schedule A (FA1) line 20. Line 39: Transferred to Form 4797 (FG1) line 3. FORM 4797 - SALES OF BUSINESS PROPERTY Line 2: For the tax categories under columns D, E and F, replace the '*' with an 'A' or 'B' for Property A or Property B. Line 3: Transferred from Form 4684 (FJ1) line 39. Line 4: Transferred from Form 6252 (FL1) line 26 or 37. Line 5: Form 8824 must be manually completed. Use tax category [GSLG] for column g and [GSLH] for column h. Line 8: Transferred to Schedule D (FD1) line 12 if this line is positive and line 9 of this form is zero. Line 10: Transferred to Schedule D (FD1) line 12. Set to zero if line 8 is positive and line 9 is zero. Line 11: For the tax categories under columns d, e and f, replace the '*' with an 'A' or 'B' for Property A or Property B. Transferred from Form 6252 (FL1) line 26 or 37. Line 13: From line 8 if line 8 and line 9 are positive. From line 9 if line 10 is positive. Line 15: Transferred from Form 4684 (FJ1) lines 31 and 38a. Negative amounts go under column g, positive amounts go under column h. CHAPTER 6: TAX FORMS 16 Line 16: Transferred from Form 6252 (FL1) line 25 plus line 36. Line 17: Form 8824 must be manually completed. Use tax category [GOLG] for column g and [GOLH] for column h. Line 20b(1): Transferred from Form 4684 (FJ1) line 35 column (b)(ii), if the value on Form 4684 (FJ1) line 35 is positive and line 8 of this form is negative. This line is transferred to Schedule A (FA1) line 20. Line 20b(2): Transferred to Form 1040 (FZ1) line 15. <GA> and <GB>: Enter 'C' if property is a Casualty or Theft, 'I' if Installment Sale, or blank if neither. <G1> - <G8>: Enter 0 - 100%. Lines 20, 21, 22, 25a, 26a, 26d, 26f, 27a, 28a, 29a: Replace the '*' in the tax category with an 'A' or 'B' for Property A or Property B. Lines 26d and 26e: Set to zero if line 24 is less than 26a. Line 33: If <GA> and/or <GB> is 'I', the part of line 33 due to Installment Sales is transferred to Form 6252 (FL1) line 12. Line 34: If <GA> and/or <GB> is 'C', the part of line 32 due to Casualty or Theft is transferred to Form 4684 (FJ1) Section B, line 33. FORM 4835 - FARM RENTAL INCOME AND EXPENSES Line 2a: [NTCD] is the nontaxable amount. [NTCX] is the taxable amount. Line 3: [NAPP] is the nontaxable amount. [NAPX] is the taxable amount. Line 4b: [NCCF] is the nontaxable amount. [NCCX] is the taxable amount. Line 5a: [NCRP] is the nontaxable amount. [NCRX] is the taxable amount. Line 12: You must manually complete Form 4562 and enter the result in a dummy account with the tax category [NDEP]. Line 32: Transferred to Schedule E (FE1) line 39. FORM 4952 - INVESTMENT INTEREST EXPENSE DEDUCTION Line 7: This amount is entered on line 2 for the following tax year. Line 8: Transferred to Schedule A (FA1) line 11. FORM 6251 - ALTERNATIVE MINIMUM TAX Line 1: Transferred from Form 1040 (FZ1) line 34. If you itemize deductions, this line is set to zero. CHAPTER 6: TAX FORMS 17 Lines 2 - 5: Set to zero if you do not itemize deductions. Line 2: Transferred from Schedule A (FA1) line 4 limited to 2.5% of Form 1040 (FZ1) line 32. If lines 6, 7, 8 through 13, 14b through 14l, 17 and 20 are not all zero, transferred from line 6 of the Medical and Dental Expenses Worksheet. Line 3: Transferred from Schedule A (FA1) line 8. Line 5: Transferred from Schedule A (FA1) line 24. Line 6: Transferred from Form 1040 (FZ1) line 10. Line 16: Transferred from Form 1040 (FZ1) line 35. Line 17: Transferred from Form 1040 (FZ1) line 22 'NET OPERATING LOSS' [ZNOL]. Line 18: Transferred from Schedule A (FA1) worksheet line 9. If your standard deduction is entered on Form 1040 (FZ1) line 34, this line is set to zero. Line 21: If married filing separately and this line is greater than $165,000, an additional 25% of this line is added. If this line is greater than $255,000, an additional $22,500 is added. Line 22: Transferred from line 6 of the Exemption Worksheet. Line 27: Transferred from Form 1040 (FZ1) line 38, plus line 39 [ZX70] only, minus line 43. Line 28: Transferred to Form 1040 (FZ1) line 48. Medical and Dental Expenses Worksheet Line 1: Transferred from Schedule A (FA1), line 1. Line 4: Transferred from Schedule A (FA1), line 4. Alternative Tax Adjusted Gross Income (ATAGI) Worksheet Line 1: Transferred from Form 1040 (FZ1), line 32. FORM 6252 - INSTALLMENT SALE INCOME <L1> must be 'T' or 'C'. <L2> must be 'Y' or 'N'. <L3> must be 'Y' or 'N'. Line 12: Transferred from Form 4797 (FG1) line 33. Lines 15 - 37: If line 14 is less than or equal to zero, lines 15 through 37 are set to zero. CHAPTER 6: TAX FORMS 18 Line 15: Transferred from Form 2119 (FP1) the sum of lines 16 and 24. Line 19: If line 18 is zero then line 19 is set to zero. Line 25: May not exceed the amount on line 24. Transferred to Form 4797 (FG1) line 16. Line 26: Transferred to Schedule D (FD1) line 4 or 12, or to Form 4797 (FG1) line 4 or 11 according to the following table: <L1> <L2> <L3> 'T' 'Y' 'N' 4797 (FG1) line 4 'T' 'N' 'N' 4797 (FG1) line 11 'C' 'N' 'N' Schedule D (FD1) line 4 'C' 'Y' 'N' Schedule D (FD1) line 12 Lines 30 - 37: If <L3> is 'N', lines 30 through 37 are set to zero. Line 36: May not exceed the amount on line 35. Transferred to Form 4797 (FG1) line 16. Line 37: Transferred to Schedule D (FD1) line 4 or 12, or to From 4797 (FG1) line 4 or 11 according to the following table: <L1> <L2> <L3> 'T' 'Y' 'Y' 4797 (FG1) line 4 'T' 'N' 'Y' 4797 (FG1) line 11 'C' 'N' 'Y' Schedule D (FD1) line 4 'C' 'Y' 'Y' Schedule D (FD1) line 12 FORM 8582 - PASSIVE ACTIVITY LOSS LIMITATIONS <W1> must be either 'Y' or 'N'. Lines 4 - 9: Set to zero if either line 1d or 3 is zero or positive. Line 5: Set to $75,000 if <Z1> on Form 1040 (FZ1) is 3 and <W1> at the top of this form is 'N'. Set to $0 if <Z1> is 3 and <W1> is 'Y'. Line 6: Transferred from Form 1040 (FZ1) line 31 plus Schedule B (FB1) line 3, minus the amount on line 12 due to Schedule C (FC1) if <C5> is 'N', minus the amount on line 12 due to Schedule C (FC2) if <C6> is 'N', minus the amount on line 18 due to Schedule E (FE1) property A if <E1> is 'X', minus the amount on line 18 due to Schedule E (FE1) property B if <E2> is 'X', minus the amount on line 19 due to Schedule F (FF1) if <F7> is 'N', minus the amount on line 19 due to Schedule F (FF2) if <F8> is 'N', minus the sum of Form 1040 (FZ1) lines 21b, 24a, 24b and 25, minus [ZSEP] and [ZSES] on Form 1040 (FZ1) line 28. Line 8: Limited to $12,500 if <Z1> on Form 1040 (FZ1) is 3 and <W1> at the top of this form is 'N'. Set to $0 if <Z1> is 3 and <W1> is 'Y'. Lines 10 and 11: Set to zero if line 3 is zero or positive. CHAPTER 6: TAX FORMS 19 Worksheet 1 Sch E, Prop A: Completed only if <E1> and <E3> on Schedule E (FE1) are 'X'. Column (a): Transferred from Schedule E (FE1) line 22 Property A if positive. Column (b): Transferred from Schedule E (FE1) line 22 Property A if negative. Column (c): The sum of [VULA] plus last years Form 8582 (FV1) Worksheet 4 column (c) on line 'Sch E, Prop A from Worksheet 1 or 3'. Sch E, Prop B: Completed only if <E2> and <E4> on Schedule E (FE1) are 'X'. Column (a): Transferred from Schedule E (FE1) line 22 Property B if positive. Column (b): Transferred from Schedule E (FE1) line 22 Property B if negative. Column (c): The sum of [VULA] plus last years Form 8582 (FV1) Worksheet 4 column (c) on line 'Sch E, Prop B from Worksheet 1 or 3'. Worksheet 2 Schedule C (FC1): Completed only if <C5> on Schedule C (FC1) is 'N'. Column (a): Transferred from Schedule C (FC1) line 31 if positive. Column (b): Transferred from Schedule C (FC1) line 31 if negative. Column (c): The sum of [VULC] plus last years Form 8582 (FV1) Worksheet 4 column (c) on line 'Sch C, Copy 1 from Worksheet 2'. Schedule C (FC2): Completed only if <C6> on Schedule C (FC2) is 'N'. Column (a): Transferred from Schedule C (FC2) line 31 if positive. Column (b): Transferred from Schedule C (FC2) line 31 if negative. Column (c): The sum of [VULD] plus last years Form 8582 (FV1) Worksheet 4 column (c) on line 'Sch C, Copy 2 from Worksheet 2'. Sch E, Prop A: Completed only if <E1> is 'X' and <E3> is ' ' on Schedule E (FE1). Column (a): Transferred from Schedule E (FE1) line 22 Property A if positive. Column (b): Transferred from Schedule E (FE1) line 22 Property A if negative. Column (c): The sum of [VULA] plus last years Form 8582 (FV1) Worksheet 4 column (c) on line 'Sch E, Prop A from Worksheet 2'. CHAPTER 6: TAX FORMS 20 Sch E, Prop B: Completed only if <E2> is 'X' and <E4> is ' ' on Schedule E (FE1). Column (a): Transferred from Schedule E (FE1) line 22 Property B if positive. Column (b): Transferred from Schedule E (FE1) line 22 Property B if negative. Column (c): The sum of [VULA] plus last years Form 8582 (FV1) Worksheet 4 column (c) on line 'Sch E, Prop B from Worksheet 2'. Schedule F (FF1): Completed only if <F7> on Schedule F (FF1) is 'N'. Column (a): Transferred from Schedule F (FF1) line 36 if positive. Column (b): Transferred from Schedule F (FF1) line 36 if negative. Column (c): The sum of [VULE] plus last years Form 8582 (FV1) Worksheet 4 column (c) on line 'Sch F, Copy 1 from Worksheet 2'. Schedule F (FF2): Completed only if <F8> on Schedule F (FF2) is 'N'. Column (a): Transferred from Schedule F (FF2) line 36 if positive. Column (b): Transferred from Schedule F (FF2) line 36 if negative. Column (c): The sum of [VULF] plus last years Form 8582 (FV1) Worksheet 4 column (c) on line 'Sch F, Copy 2 from Worksheet 2'. If line 3 Form 8582 is zero or positive, or line 11 Form 8582 equals the sum of columns (b) and (c) in Worksheets 1 and 2, then the amount in column (d) or (e) is reported on the schedule as shown below. Worksheet 1 Sch E, Prop A Schedule E (FE1) line 23 Property A Sch E, Prop B Schedule E (FE1) line 23 Property B Worksheet 2 Schedule C (FC1) Schedule C (FC1) line 31 Schedule C (FC2) Schedule C (FC2) line 31 Sch E, Prop A Schedule E (FE1) line 23 Property A Sch E, Prop B Schedule E (FE1) line 23 Property B Schedule F (FF1) Schedule F (FF1) line 36 Schedule F (FF2) Schedule F (FF2) line 36 Worksheet 3 Column (a): Amount from Worksheet 1 column (e). Column (b): Column (a) divided by the Total of column (a). Column (c): Column (a) multiplied by column (b). CHAPTER 6: TAX FORMS 21 If column (a) and (c) are equal, the amount in column (d) or (e) Worksheet 1 is reported on Schedule E (FE1) line 23. Worksheet 4 Column (a) Sch E, Prop A from Worksheet 1 or 3: Amount from Worksheet 3 column (d). If Worksheet 3 for this line is not completed, the amount from Worksheet 1 column (e) is entered. Sch E, Prop B from Worksheet 1 or 3: Amount from Worksheet 3 column (d). If Worksheet 3 for this line is not completed, the amount from Worksheet 1 column (e) is entered. Sch C, Copy 1 from Worksheet 2: Amount from Worksheet 2 column (e). Sch C, Copy 2 from Worksheet 2: Amount from Worksheet 2 column (e). Sch E, Prop A from Worksheet 2: Amount from Worksheet 2 column (e). Sch E, Prop B from Worksheet 2: Amount from Worksheet 2 column (e). Sch F, Copy 1 from Worksheet 2: Amount from Worksheet 2 column (e). Sch F, Copy 2 from Worksheet 2: Amount from Worksheet 2 column (e). Column (b): Column (a) divided by the Total of column (a). Column (c): Line 3 Form 8582 minus line 9 Form 8582 multiplied by column (b). Worksheet 5 Column (a): Amount from Worksheet 4 column (c). Columm (b): Sum of columns (b) and (c) of Worksheet 1 or 2. Column (c): Column (a) minus column (b). The loss in column (c) plus the income for the respective line in column (a) of Worksheet 1 or 2 is entered on the appropriate schedule shown on the table in the instructions for Worksheet 2. FORM 8606 - NONDEDUCTIBLE IRA CONTRIBUTIONS Line 1 'YOURS': Transferred from IRA Worksheet #2 (FW4) 'YOURS' column line 10. Line 1 'SPOUSE': Transferred from IRA Worksheet #2 (FW4) 'SPOUSE' column line 10 or line 20. Line 2 'YOURS': Transferred from line 12 from the previous tax year plus [HIPY]. CHAPTER 6: TAX FORMS 22 Line 2 'SPOUSE': Transferred from line 12 from the previous tax year plus [HIPS]. Lines 4 - 11: If line 7 is zero, lines 4 - 11 are set to zero and line 3 is entered on line 12. Line 4: Use [HIRA] for your IRA contributions and [HIRS] for your spouse's made between January 1 and April 15 following the year that this contribution is deductible. See (FW4) line 1 or line 8 for a more detailed explanation. Line 6: Select [HITV] for your IRA value and [HIRS] for spouse's. Select [HOUT] for your outstanding rollovers and [HOUS] for spouse's. Line 7: Select [HIDR] for your IRA distribution and [HIDS] for spouse's. Line 12: If line 7 is zero, line 12 equals line 3. This amount is entered on line 2 for the following tax year. Line 13: Transferred to Form 1040 (FZ1) line 16b. ESTIMATED TAX WORKSHEET Line 1: Transferred from Form 1040 (FZ1) line 31. Line 2: Transferred from Form 1040 (FZ1) line 34. Line 4: Transferred from Form 1040 (FZ1) line 36. Line 6: Transferred from Form 1040 (FZ1) line 38. Line 7: Transferred from Form 1040 (FZ1) line 39. Line 9: Transferred from Form 1040 (FZ1) line 45. Line 11: Transferred from Form 1040 (FZ1) line 47. Line 12: Transferred from Form 1040 (FZ1) the sum of lines 48, 51 and 52. Line 13b: Transferred from Form 1040 (FZ1) line 56. Line 14a: <X1> must be either 'X' or blank. Line 14b: Transferred from the previous tax year Form 1040 (FZ1) line 53. If the previous tax year form is not calculated, enter this amount in a dummy account with the tax category [XLYT]. Line 14c: The smaller of lines 14b and 14c is entered. Line 15: Transferred from Form 1040 (FZ1) line 54. Line 16: Line 15 divided by 4 minus last years Form 1040 (FZ1) line 63. If the previous tax year form is not calculated, enter this amount in a dummy account with the tax category [XLYR]. <X2> must be either 'X' or blank. CHAPTER 6: TAX FORMS 23 Actual Payments: Enter the actual payments with the corresponding tax category for the appropriate payment date. For the January actual payments, select [XJA2] for payments made after this tax year . Account lines with [XJA2] appear on the tax form of the year prior to the year in the date column of the account line. Projected Payments: Automatically calculated so that one-quarter of line 16 is paid by April 15, one-half by June 15, three-quarters by September 15 and all of line 16 by January 15. If an amount is entered in the actual payments column, the projected payment amount for this and earlier lines is set to zero. Caution: The projected payments calculated may not satisfy your minimum estimated tax payments, especially if your taxable income varies considerably during the year. You should verify this amount and make necessary adjustments before making your estimated payments. The sum of all actual payments are transferred to Form 1040 (FZ1) line 55. If <X2> is 'X', the projected payments are also transferred. WORKSHEET 1 - STATE TAX WORKSHEET Line 2: If <W3> on line 3 is '3' and <WB> in the note under line 2 is 'Y', the amount on line 2 is entered on line 6, and lines 3, 4, and 5 are set to zero. Line 3: <W3> must be between 1 - 5. If <WB> is 'Y' and <W3> is 3 the amount on line 2 is entered on line 6 and lines 3, 4, and 5 are set to zero. For tax year 1992 and earlier, $3400 is entered for Single, $5700 Married filing jointly or Qualifying widow, $2850 Married filing separately and $5000 Head of household. For tax year 1993, $3600 is entered for Single, $6000 Married filing jointly or Qualifying widow, $3000 Married filing separately and $5250 Head of household. For tax year 1994 and later, $3700 is entered for Single, $6200 Married filing jointly or Qualifying widow, $3100 Married filing separately and $5450 Head of household. Line 4: If <W3> is 1 or 4, the amount on line 4 is $850 times <W7>, for tax year 1992 and earlier and $900 for tax year 1993 and later. If <W3> is 2, 3 or 5, the amount on line 4 is $650 times <W7> for tax year 1992 and earlier and $700 for tax year 1993 and later. <W7> must be between 0 - 4. Line 7: Transferred to 1040 (FZ1) line 10. WORKSHEET 2 - PENSION WORKSHEET Lines 1, 2 and 6: Replace the '*' in the tax category with a '1' or '2' for Plan 1 or Plan 2. Line 1: Transferred to Form 1040 (FZ1) line 17a. Line 3: <W4> and <W8> is your age at starting date and must be between 0 - 127. CHAPTER 6: TAX FORMS 24 Line 5: <W5> and <W9> is the number of months and must be between 0 and 12. <W6> and <WA> must be either 'Y' or 'N'. Line 6 - 8: Column 1 is set to zero if <W6> is 'Y'. Column 2 is set to zero if <WA> is 'Y'. Line 9: Transferred to Form 1040 (FZ1) line 17b. WORKSHEET 3 - SOCIAL SECURITY WORKSHEET Line 1: Transferred to Form 1040 (FZ1) line 21a, if line 9 is greater than zero. Line 3: Transferred from Form 1040 (FZ1) line 23 minus line 21b. Line 4: Transferred from Form 1040 (FZ1) line 8b. Line 6: Transferred from Form 1040 (FZ1) line 30. Line 8: Automatically calculated based on <Z1> on Form 1040 (FZ1) and <W1> at the top of this form. Line 11: Transferred to Form 1040 (FZ1) line 21b. WORKSHEET 4 - IRA WORKSHEET #1 Lines 1 - 8: Set to zero unless <W2> is 'N' or one of the following conditions are met: <Z1> <W1> FZ1 line 31 minus lines 24 and 25 1 'N' <= $25,000 2 'N' <= $40,000 3 'N' <= $25,000 4 'N' <= $25,000 5 'N' <= $40,000 Line 1: Select [WIRA] for your IRA contributions and [WIRS] for spouse's made during this tax year. Select [HIRA] for your IRA contributions and [HIRS] for your spouse's made between January 1 and April 15 after the year that this contribution is deductible. Account lines with [HIRA] or [HIRS] appear on the tax form of the year prior to the year in the date column of the account line. Line 2 'YOURS': Transferred from Form 1040 (FZ1) line 7 [ZWAG] plus [ZTDI] plus Form 2106 (FU1) the negative amount on line 8 column A plus Form 4137 (FT1) line 3 'YOURS' column plus the positive amount from Schedule C (FC1) line 31 if <C3> is 'Y' (one-half of line 31 if <C3> is 'B') (if <C1> is 'X' line 31 is replaced with line 1) plus the positive amount from Schedule C (FC2) line 31 if <C4> is 'Y' (one-half of line 31 if <C4> is 'B') (if <C2> is 'X' line 31 is replaced with line 1) plus the positive amount from Schedule F (FF1) line 36 if <F5> is 'Y' (one-half of line 36 if <F5> is 'B') plus the positive amount from Schedule F (FF2) line 36 if <F6> is 'Y' (one-half of line 36 if <F6> is 'B') minus one-half of Schedule SE (FS1) line 5 'YOURS' column minus the amount from Form 1040 (FZ1) line 27 [ZKEO] and [ZSEP]. CHAPTER 6: TAX FORMS 25 Line 2 'SPOUSE': Transferred from Form 1040 (FZ1) line 7 [ZWAS] plus [ZTDS] plus Form 2106 (FU2) the negative amount on line 8 column A plus Form 4137 (FT1) line 3 'SPOUSE' column plus the positive amount from Schedule C (FC1) line 31 if <C3> is 'S' (one-half of line 31 if <C3> is 'B') (if <C1> is 'X' line 31 is replaced with line 1) plus the positive amount from Schedule C (FC2) line 31 if <C4> is 'S' (one-half of line 31 if <C4> is 'B') (if <C2> is 'X' line 31 is replaced with line 1) plus the positive amount from Schedule F (FF1) line 36 if <F5> is 'S' (one-half of line 36 if <F5> is 'B') plus the positive amount from Schedule F (FF2) line 36 if <F6> is 'S' (one-half of line 36 if <F6> is 'B') minus one-half of Schedule SE (FS1) line 5 'SPOUSE' column minus the amount from Form 1040 (FZ1) line 27 [ZKES] and [ZSES]. Line 3 'YOURS': Transferred to Form 1040 (FZ1) line 24a. Line 3 'SPOUSE': Transferred to Form 1040 (FZ1) line 24b unless <WF> is 'Y'. Lines 4 - 8: Completed only if <WF> is 'Y' and <Z1> on Form 1040 (FZ1) is '2'. Line 8: Transferred to Form 1040 (FZ1) line 24b. WORKSHEET 4 - IRA WORKSHEET #2 This Worksheet is not completed if <W2> is 'N'. Use IRA Worksheet 1 (FW4). Line 1: Automatically calculated based on <Z1> from Form 1040 (FZ1) and <W1> from this worksheet. Line 2: Transferred from Form 1040 (FZ1) line 23. Line 3: Transferred from Form 1040 (FZ1) the sum of lines 25 through 29. Lines 5 - 6: Set to zero if line 4 is larger than line 1. Lines 6 - 20: Set to zero if line 5 is larger than $10,000. Line 7 'YOURS': Transferred from Form 1040 (FZ1) line 7 [ZWAG] plus [ZTDI] plus Form 2106 (FU1) the negative amount on line 8 column A plus Form 4137 (FT1) line 3 'YOURS' column plus the positive amount from Schedule C (FC1) line 31 if <C3> is 'Y' (one-half of line 31 if <C3> is 'B') (if <C1> is 'X' line 31 is replaced with line 1) plus the positive amount from Schedule C (FC2) line 31 if <C4> is 'Y' (one-half of line 31 if <C4> is 'B') (if <C2> is 'X' line 31 is replaced with line 1) plus the positive amount from Schedule F (FF1) line 36 if <F5> is 'Y' (one-half of line 36 if <F5> is 'B') plus the positive amount from Schedule F (FF2) line 36 if <F6> is 'Y' (one-half of line 36 if <F6> is 'B') minus one-half of Schedule SE (FS1) line 5 'YOURS' column minus the amount from Form 1040 (FZ1) line 27 [ZKEO] and [ZSEP]. Line 7 'SPOUSE': Transferred from Form 1040 (FZ1) line 7 [ZWAS] plus [ZTDS] plus Form 2106 (FU2) the negative amount on line 8 column A plus Form 4137 (FT1) line 3 'SPOUSE' column plus the positive amount from Schedule C (FC1) line 31 if <C3> is 'S' (one-half of line 31 if <C3> is 'B') (if <C1> is 'X' line 31 is replaced with line 1) plus the positive amount from Schedule C CHAPTER 6: TAX FORMS 26 (FC2) line 31 if <C4> is 'S' (one-half of line 31 if <C4> is 'B') (if <C2> is 'X' line 31 is replaced with line 1) plus the positive amount from Schedule F (FF1) line 36 if <F5> is 'S' (one-half of line 36 if <F5> is 'B') plus the positive amount from Schedule F (FF2) line 36 if <F6> is 'S' (one-half of line 36 if <F6> is 'B') minus one-half of Schedule SE (FS1) line 5 'SPOUSE' column minus the amount from Form 1040 (FZ1) line 27 [ZKES] and [ZSES]. Line 8: Select [WIRA] for your IRA contributions and [WIRS] for spouse's made during this tax year. Select [HIRA] for your IRA contributions and [HIRS] for your spouse's made between January 1 and April 15 after the year that this contribution is deductible. Account lines with [HIRA] or [HIRS] appear on the tax form of the year prior to the year in the date column of the account line. Line 9 'YOURS': Transferred to Form 1040 (FZ1) line 24a. Line 9 'SPOUSE': Transferred to Form 1040 (FZ1) line 24B unless <WF> is 'Y'. Line 10 'YOURS': Transferred to Form 8606 (FH1) line 2. Lines 11 - 20: Completed only if <WF> is 'Y' and <Z1> on Form 1040 (FZ1) is '2'. Line 19: Transferred to Form 1040 (FZ1) line 24b. Line 20: Transferred to Form 8606 (FH1) line 2. WORKSHEET 6 - HEALTH INSURANCE WORKSHEET Line 4: Transferred from Form 1040 (FZ1) lines 12 and 19 minus lines 25 and 27. Line 5: Transferred to Form 1040 (FZ1) line 26. WORKSHEET 7 - EXCESS SOCIAL SECURITY WORKSHEET Line 1: [WSSW] is 'YOUR' tax withheld. [WSSS] is 'SPOUSE' tax withheld. Line 2: [ZUST] is 'YOUR' tax withheld. [ZUSS] is 'SPOUSE' tax withheld. Line 4: For tax year 1992 and earlier, limit is $3,441.00. For tax year 1993, tax limit is $3,571.20. For tax year 1994 and later, tax limit is $3,757.20. Line 7: [ZUMT] is 'YOUR' tax withheld. [ZUMS] is 'SPOUSE' tax withheld. Line 9: For tax year 1992 and earlier, limit is $1,887.90. For tax year 1993, tax limit is $1,957.50. For tax year 1994 and later, tax limit is $999,999.99. Line 11: Transferred to Form 1040 (FZ1) line 58 the sum of columns 'YOURS' plus 'SPOUSE'. CHAPTER 6: TAX FORMS 27 WORKSHEET 8 - EARNED INCOME CREDIT WORKSHEET Line 2: Transferred from Form 1040 (FZ1) line 32. Line 3: Amount calculated based on <Z1> on Form 1040 (FZ1). Line 8: Transferred to From 1040 (FZ1) line 36. WORKSHEET 9 - STANDARD DEDUCTION WORKSHEET Line 1: Transferred from Form 1040 (FZ1) line 7 plus Form 1040 (FZ1) line 12 plus Form 1040 (FZ1) line 19 minus Form 1040 (FZ1) line 25. Line 4: Automatically calculated based on your selection for <Z1> on Form 1040 (FZ1). Line 5a: Transferred to Form 1040 (FZ1) line 34 if line 33a on Form 1040 (FZ1) is '0'. Lines 5b and 5c: Set to zero unless Form 1040 (FZ1> line 33a is not '0'. Line 5b: Automatically calculated based on <Z1> and line 33a on Form 1040 (FZ1). For tax year 1994 and later, multiply $950 ($750 if married filing jointly or separately, or qualifying widow(er). Line 5c: Transferred to Form 1040 (FZ1) line 34. CALIFORNIA FORM 540 - RESIDENT INCOME TAX RETURN Lines 1-5: <Y1> must be between 1-5. Line 6: See Form 1040 (FZ1) line 33b. Lines 8 and 9: See Form 1040 (FZ1) line 33a. Line 10: See Form 1040 (FZ1) line 6c. Line 12: Transferred from Form 1040 (FZ1) line 7 the sum of [ZWAG] and [ZWAS]. Line 13: Transferred from Form 1040 (FZ1) line 31. Line 14: Transferred from Schedule CA (CA1) line 23, column B. Line 16: Transferred from Schedule CA (CA1) line 23, column C. Line 18: The larger of your Deduction Worksheet (CW1) line 5 or your California Adjustment (CA1) line 38 is automatically entered. Line 20: Your tax is automatically calculated based on the selection for <Y1> in Step 2 above and the amount on line 19. If line 19 is less than $50,000, the California tax tables are used. If line 19 is greater or equal to $50,000, the California tax rate schedules are used. For tax year 1992 and earlier, the 1992 tax tables and schedules are used. For tax year 1993 and later, the 1993 tax tables and schedules are used. CHAPTER 6: TAX FORMS 28 Line 21: Transferred from the Exemption Worksheet (CW2) line 8. This amount is calculated even if the Exemption Worksheet (CW2) is not included. If <Y5> is 'Y', the amount on line 59 or 60 is added to the 'TAX' line at the bottom of the Net Worth display. Any amount on line 60 will show up as a negative amount. CALIFORNIA SCHEDULE CA - ADJUSTMENTS Line 7: Column A transferred from Form 1040 (FZ1) line 7. Use [YAWS] for column B (Subtractions). Use [YAWA] for column A (Additions). Line 8a: Column A transferred from Form 1040 (FZ1) line 8a. Use [YAIS] for column B (Subtractions). Use [YAIA] for column A (Additions). Line 8b: Transferred from Form 1040 (FZ1) line 8b. Line 9: Column A transferred from Form 1040 (FZ1) line 9. Use [YADS] for column B (Subtractions). Use [YADA] for column A (Additions). Line 10: Column A and B transferred from Form 1040 (FZ1) line 10. Line 11: Column A transferred from Form 1040 (FZ1) line 11. Use [YAAA] for column A (Additions). Line 12: Column A transferred from Form 1040 (FZ1) line 12. Use [YABS] for column B (Subtractions). Use [YABA] for column A (Additions). Line 13: Column A transferred from Form 1040 (FZ1) line 13. Use [YACS] for column B (Subtractions). Use [YACA] for column A (Additions). Line 14: Column A transferred from Form 1040 (FZ1) line 14. Use [YAGS] for column B (Subtractions). Use [YAGA] for column A (Additions). Line 15: Column A transferred from Form 1040 (FZ1) line 15. Use [YAOS] for column B (Subtractions). Use [YAOA] for column A (Additions). Line 16a: Transferred from Form 1040 (FZ1) line 16a. Line 16b: Column A transferred from Form 1040 (FZ1) line 16b. Use [YARS] for column B (Subtractions). Use [YARA] for column A (Additions). Line 17a: Transferred from Form 1040 (FZ1) line 17a. Line 17b: Column A transferred from Form 1040 (FZ1) line 17b. Use [YAPS] for column B (Subtractions). Use [YAPA] for column A (Additions). Line 18: Column A transferred from Form 1040 (FZ1) line 18. Use [YAES] for column B (Subtractions). Use [YAEA] for column A (Additions). Line 19: Column A transferred from Form 1040 (FZ1) line 19. Use [YAFS] for column B (Subtractions). Use [YAFA] for column A (Additions). Line 20: Column A transferred from Form 1040 (FZ1) line 20. Use [YAUS] for column B (Subtractions). CHAPTER 6: TAX FORMS 29 Line 21a: Transferred from Form 1040 (FZ1) line 21a. Line 21b: Column A transferred from Form 1040 (FZ1) line 21b. Use [YASS] for column B (Subtractions). Line 22: Column A transferred from Form 1040 (FZ1) line 22. Line 22a: Use [YALS] for column B (Subtractions). Line 22b: Use [YAVS] for column B (Subtractions). Line 22c: Use [YAYS] for column B (Subtractions). Line 22d: Use [YAZS] for column B (Subtractions). Line 33: Transferred from Schedule A (FA1) Worksheet line 1. Line 34: Transferred from Schedule A (FA1) line 5 plus category [YAFT]. Line 38: Transferred to Form 540 (CZ1) line 18. Worksheet line 2: Transferred from Schedule A (FA1) Worksheet line 2. Worksheet line 5: Transferred from Form 540 (CZ1) line 13. Worksheet line 6: Calculated based on your selection for <Y1> on Form 540 (CZ1) Step 2. CALIFORNIA DEDUCTION WORKSHEET Line 1: Transferred from Worksheet 9 (FW9) line 1. Line 4: Calculated based on your selection to <Y1> on Form 540 (CZ1) Step 2. Line 5: Transferred to Form 540 (CZ1) line 18. CALIFORNIA EXEMPTION WORKSHEET Line 1: Calculated based on Form 540 (CZ1) line 11. Line 2: Transferred from Form 540 (CZ1) line 13. Line 7: Calculated based on Form 540 (CZ1) line 11. Line 8: Transferred to Form 540 (CZ1) line 21. CHAPTER 7: ERROR MESSAGES =============================================================================== Account full. You attempt to insert more than 999 lines into a single account. Account title already exist. You attempt to add a new account whose account name is identical to an existing account name or you attempt to rename the account presently displayed whose account name is identical to an existing account name. You must rename the account. BAD OPTION XX-YY Your selection to a tax form option is not valid. 'XX' is the two letter option and 'YY' is the year in which the option is not valid. You should change the tax form option to an acceptable character or number. Refer to the appropriate tax form in chapter 6 for the acceptable tax form option values. Device error. An error with the printer. Ensure the printer you selected in the MAIN MENU is turned on and in the on-line mode. Disk error. A read from or write to the disk fails. Ensure the correct disk is inserted and the disk drive door is closed properly. Disk full. You attempt to open a new account or you attempt to insert a line in an account but there is no room available on the disk ('Lines free' in the 'status' window of the MAIN MENU is 0). 'I' column lower case. You attempt to edit, remove or copy a line that has a lower case letter in the 'I' column. You must edit , remove or copy this line from the account that is in the transfer column. No lines exist. You attempt to edit, remove or copy a line in an account but the account is empty. CHAPTER 7: ERROR MESSAGES 2 No other lines match the check number and amount. Make sure the amount sign is correct. You attempt to reconcile a line in an account but the selected check number and amount do not match any of the lines in the account. Make sure you enter the correct sign of the amount. Printer not ready. You attempt to sent an account, tax form, portfolio, or tax category to the printer but the printer is not ready. Make sure the printer is turned on and is on line. Also ensure you select the correct 'Printer port' on the MAIN MENU. Printer out of paper. You attempt to sent an account, tax form, portfolio, or tax category to the printer but the printer is out of paper. Same account. You attempt to insert an account into the transfer column of the trial line that is the account currently opened. The transfer column must be either blank or contain an account other than the account currently opened. Some lines in this account are transferred to other accounts. Should these lines be deleted in the other account? (Y/N) This warning appears after selecting <Z> DELETE ACCOUNT in the account. If you press 'Y', the corresponding line in the transfer account is also removed. If you press 'N', the corresponding line's transfer column is set to blank. Tax category not found. You select a four letter tax category in the tax column of the trial line or in the tax form, but no matches for this category are found. Tax form not found. You select a three letter tax form code in the tax column of the trial line or in the tax form, but no matches for this tax form code are found. Tax option not found. You select a two letter tax option in the tax form, but no matches for this option are found. CHAPTER 7: ERROR MESSAGES 3 The spelled out amount is too long for the STYLE and CPI selected. You attempt to print a check but the spelled out amount is tool long to fit in the space provided on the check. This line is transferred to another account. Should this line be removed in the other account? (Y/N) This alert appears after selecting <R> REMOVE LINE in the account. If you press 'Y', the corresponding line in the transfer account is also removed. If you press 'N', the corresponding line's transfer column is set to blank. Too many portfolio columns. You exceeded the memory available. You must either increase the 'portFolio parameters' 'staRt date', decrease the 'stoP date' or increase the 'Interval' or 'freQuency'. Transfer account full. You attempt to insert more than 999 lines in the account listed in the Transfer column of the Trial line. Warning: Accounts still have '?'s. Do you still want to quit? (Y/N) One or more accounts in the 'Accounts' window have a '?' next to the account title. This indicates there are lines in these accounts with a '?' in the Check column whose date is less than or equal to today's date (i.e., you need to pay a bill). Select 'Y' to return to DOS. Select 'N' to return to the 'Accounts' window. Warning: You are about to permanently remove all lines in all accounts with this date or earlier. Do you really want to do this? (Y/N) This warning appears after selecting 'Block remove' in the 'Setup' window of the MAIN MENU. If you still want to remove these lines, press 'Y'. Warning: You are about to permanently remove all lines in this account up to and including the highlighted line. Do you really want to do this? (Y/N) This warning appears after selecting 'Block remove' in the account. If you still want to remove these lines, press 'Y'. CHAPTER 7: ERROR MESSAGES 4 Warning: You are about to permanently remove this account. Do you really want to do this? (Y/N) This warning appears after selecting <Z> DELETE ACCOUNT in the account. If you still want to remove this account, press 'Y'. Warning: You are about to permanently remove this portfolio. Do you really want to do this? (Y/N) This warning appears after selecting <Z> DELETE PORTFOLIO in the portfolio. If you still want to remove this portfolio, press 'Y'. Wraparound You attempt to transfer a line from account A to account B with an upper case 'C', 'S', 'B', 'G' or 'L' in the 'I' column while there already exist at least one line from account 'B' to account 'A' with one of the same letters in the 'I' column. The effect would be to create an endless loop since the amount transferred from account A to account B would affect the amount transferred from account B back to account A. The alert will also appear if the loop passes through 3 or more accounts. Wraparound table full. You have exceeded the memory limits used to keep track of lines transferred between accounts with an upper case 'C', 'S', 'B', 'G' or 'L' in the 'I' column (see Wraparound above). Write protected. The write protect tab is preventing information from being written to the disk. If you are using a 5-1/4" disk, peal off the write protect tab. If you are using a 3-1/2" disk, slide the write protect tab so that the window is covered. Reinsert the disk into the correct drive and press 'Enter'. You cannot open any more accounts. The maximum number of accounts is 255. You are attempting to open more than 255 accounts. The number of account that currently exist is displayed in the 'status' window in the MAIN MENU. You cannot open any more portfolios. The maximum number of portfolios is 12. You are attempting to open more than 12 portfolios.