Dr. Windows 3/dr win3.zip/dr win3/BUSINESS/BLDMONEY.ZIP/INSTRUCT.WWO

Text File | 1993-09-01 | 17KB | 369 lines

                         WEALTH MANAGEMENT SYSTEM

 The following Files must be in the same directory:

 WMSD.EXE       -  Main Program.

 GETRICHD.WWO   -  How To Get Rich and Stay Rich Document.

 INSTRUCT.WWO   -  Instructions on how to use the programs.

 SAMPLE.WMS     -  Sample DataFile for Stocks.

 SAMPLE.WMN     -  Sample DataFile for Net Worth.

 VBRUN100.DLL   -  Can be in this or Windows 3.1 directory.

                          GENERAL INFORMATION.

 Details on any Program can be found listed below under the MENU name in
        which it resides and then by its place in that menu.

 Mouse: To use the Scroll Bar, try it right now, Click on the Top or
        Bottom Arrow to move one line.

        Click in the bar above or below the Slider and the text moves up
        one window, the Slider will move and shows position of the
        Window in the Document.

        Click and hold on the Slider and drag it to any position in the
        Bar and on release of the Click Button the text corresponding
        to that position in the Document will be shown in the window.

        Click:
        On the menu buttons to activate the various programs.
        On the Down/Arrow beside Dropdown boxes to open them.
        On the Items in the Dropdown box to select them and they
        will be shown in the active area of the box, which is visible
        when the box is closed.

        DropDown boxes have pre-programmed figures in them. To use your
        own delete those in the active area and enter your own.

 KeyBoard: Use ALT+ the highlighted letter on the button you wish to
        activate.

        The TAB key is a most important key as it moves the cursor
        from one area on screen to another.

        Use the TAB key to move forward through the menus and the input
        boxes and Shift+Tab to move backwards. When on selected menu or
        item press <ENTER> to activate.

        Use ALT+Down/Arrow to open and close the dropdown boxes.
        These are the input boxes with a Down/Arrow beside them.
        Use Up or Down Arrow to select items in a selection box.

        To Scroll through the Text and Help boxes, use the PgDn and
        PgUp or Up/Arrow and Down/Arrow keys or Ctrl+Home and Ctrl+End
        keys.

 Command Buttons:
        [OK] means yes, complete the procedure, such as add record to
        the file.

        [Cancel] means no, do not complete the procedure.

        [Help] Will bring up help text for that particular program.

        [Calculate] Will show the calculations for the current figures
        in the active area of the Dropdown boxes. These figures have
        been pre-programmed, delete these and type in your own.
        After making changes in the input boxes be sure to re-Calculate.

        [Exit] will quit that procedure or menu and go back to the
        previous menu.

        [To Printer] will send the data or text in that program to the
        Printer.

 Table of Contents: The Text Display for 'How to Get Rich and Stay Rich'
        and 'How to Use Programs' have a table of contents. Select by
        typing the first letter of subject or by Clicking on it, the
        section will then be shown.
        If you wish to find a word then use Word Search. Word found will
        be shown in top line of screen. Type a space before words such as
        'end' as these letters are contained in longer words and would be
        shown.

 Sample.WMS: This is a sample DataFile which shows how various entries
        are made in the Investment Management program.
        Date does not show a meaningful Year as I do not know your Country
        setup which allows year to be entered either first or last.

 Sample.WMN: This is a sample DataFile which shows how various entries
        are made in the Net Worth Program.

 Help:  When using Help for guidance on how to input information, the
        examples, which show the different ways of entering data, will
        be lined up with the input boxes beside them if you use PgDn.
        Always move down to check for more data in boxes with a Scroll Bar.

 Numerical Data Entry: Where number only input is required the program
        will  not accept letters or other characters from the keyboard,
        with the exception of the backspace and delete key to erase errors
        on that line and the Tab or <ENTER> key which completes the entry.

        When entering figures, do not include dollar($) or comma(,)
        signs, the only signs that can be used are the decimal point(.)
        and the minus(-) sign where appropriate.

 Date Input: Format will depend on the Country setup on your computer.
         Will be detected automatically and shown in Entry Help.

 Fonts: Courier New Bold (True Type) font is used in the calculation
        tables, as it is a non-proportional font and allows figures in
        columns to lineup properly. Arial Bold (True Type) Font is used
        in Menu Text and Small Fonts for the Legend in the Graph Table.
        If they are not already installed, do so by adding them with
        the Control Panel in Windows 3.1.

 The name Fund/s is used throughout the Investment Management program
        and holds the Company name of the investment whether it is in
        Stocks, Bonds, Mutual Funds or any other form of investment.

 All Menu buttons have names that clearly describe the function that they
        perform.

 Experiment, you can do no harm as the program has been made as user
        friendly and foolproof as possible. With lots of error messages if
        you go wrong.

 With the aid of the examples in Help that show how to make entries in
        the input boxes you should have no problem in getting your data
        files set up.

                       WEALTH MANAGEMENT SYSTEM MENU.

 Planning your Savings: Has pre-programmed figures in the dropdown boxes,
        you should use your own to work out what your savings should be
        to give you the income you need on retirement in a given period.

        The above is based on one deposit per year. For those who save an
        amount monthly, quarterly or semi-annually use Year button.

        The accumulated total from deposits and interest can then become
        the Annual Amount Invested in your long term Savings by pressing
        Insert.

 Planning your Retirement:
        Percentage option: Use a withdrawal of income percentage less than
        the interest/growth percentage to allow for inflation.

        Example: Inflation has been running at an average of 5% over
        the past 20 years so if one is getting a return of 20% on
        Capital and taking out 15% then one is keeping up with
        inflation as the Capital and Income are both increasing by 5%
        each year.

        Fixed Amount option: Allows a fixed cash withdrawal at the end of
        each month. Annual effective Interest/Growth rate is converted to
        equivalent monthly rate with Current Value calculated each month.

        Table shows the totals at year end of the previous 12 monthly
        transactions. If you take out more each month than is generated by
        Income/Growth table shows how many years Capital will last before
        being used up. If less is taken out the Capital would continue to
        grow forever so it stops at 50 years.

 How to Get Rich and Stay Rich: Shows how to save and where to invest for
        the greatest growth with safety of capital.

 Savings Comparisons: Not as detailed as Planning your Savings but allows
       you to compare many different investment choices on screen together.

 Find Compound Growth: Compare growth of your different investments on an
        annual compound basis. Also use for WhatIf ? comparisons.

 Payment on a Loan: Uses various compounding periods, for Consumer loans,
        Car Payments, Credit Card payments and other loans. Can also be