PFS Manual section Ch 1 Intro - Stephen J. Foss
Contents
1. nts may vary from e two loans via the change any rate or or show a sum a loan clearly helps G7 VARI LOAN has many other but MGM gives you a quick mechanism to th a grid and a recurring or You can enter more than one line of Then you simply press a button to get the ending this type balance to count names APR interest rate ments and the start off month and year schedule of when these accounts will an approxim ation since interest is charged on a month L be paid off and the DA program The calculations are only ly basis lyzing a person s total debt Visa first All the user has to do is enter the ac beginning balances nominal monthly pay will produce a not daily but you ll find status and month to ch ranking th s powerful in schedule customer info and accounts tatus by month Quantit more feat instead of six it how it can be resolved eck the debt status rough and automatic display The continuous act formation about a person be produced A debt payoff date summary with financial charges to principal and total paid ties can be changed stored and recal number can be included Lat cures s debt ter versions will a Still later versions are pl led by filename low customer address lanned to have twelve a great program to get a strong handle on a person s debt2. 1 Th in 29 The G5LOAN Program e G5SLOAN program creates documentation for standard mortgage stallment bi or am monthly loans ount fin anced plus a fixed loans with rebates calculat biweekly loans conventional loans wher loans sum state a balloon payment number wi in th which stallment loan an d easy to use you may figure out given three out of four the payment a payment XO G5LOAN al 1 30 The FINANCE Program This program is broken into two major sections Money growth lone he depletion by di su di ti sbursement m by interest sbursement is al me FINANCE will in and growth or an 1 Th a in ar th be 31 withdrawal s d ca is o complex IRA itial deposit mad ree of course en signified figure out any quantity principal tarting sum or en quantities are known n greatly assist you in The IRA Program ne is a special program which is an in a recurring The initial as A summary sh As you can fin It also displays GSLOAN is very practical itself rate so comes with a loan term or amount the add on interest professional money growth consists of two parts of a sum by interest and deposits In between is a checkerboard of values around which your eye desired loans ted according to the Rule
3. the programs application program if job done With Pelton Besides you ll wind u results a feeling th ems Pp a which are solved in parts parts and ascertain what information you need for each part the solution of one part is the required information for the The more organized you are the asier complex financial Page 6 break the problem into In this type prob or don t ponder too much over getting your feet wet with One always gets a nice feeling after buying into an the program works well and the user really gets the s Financial Software you will get th with a good sense of satisfaction after getting t you ve accomplished something 1 15 The Pelton s Financial Software Main Menu The programs Main Menu financial programs can use menu Helper F1 Mort Calc F2 Dos Shell F3 Calendar F4 Calculator answer is shown below in Fig 1 1 All the individual be run from this single well organized and easy to Productivity Programs Selection Guide Distributions FAUVUOHWANINDAOBRWNE IRA Calculator Future Amount G5 Loan Payments G7 Variable Compare Finance Loan w Points Things to Do Other Programs Info on Pelton Exit Program Figure 1 1 To run a program you simply move the light bar up and down via the arrow cursor Or touch a key from 1 bring you back to DOS presentation manager c
4. amp white by typing GO B Similarly you may force the program into color with GO C To print out a registration form do GO R To print out a Customer Feedback Form do this GO F Page 5 The main programs menu which I will mention often will appear quickly Then from this menu This Selection Guide actually you can make your choice of which program to run I built in a powerful advanced feature called the Selection Guide to make it very easy to use the Financial Software guides you to the correct program by asking a few simple questions about the type of problem you wish to solve 1 12 Command Line Qualifiers Here s a summary of the command line qualifiers you type these after you type GO e g lt 3 GO R here the qualifier is R 1 13 Using Disk Caching At Pelton Computer I have been using disk caching software for many as ta as Disk caching software is available from your Shareware dealer This software allows the computer to load a program from memory more than times faster than from disk The caching scheme tells the operating to look in cache memory before it looks at the disk for a program or More on the Selection Guide below to REG_FORM prints out a registration form abbrev R E prints out a customer feedback form abbrev F BLACK forces black amp white operation abbrev B COLOR forces color for color monitors
5. of comput t our Problem Example book It contains over 70 pages of real ved in great detail using Pelton s Financial ter aided financial You ll be pleasantly surprised when you uncover this whole world calculations I 4 Installing Pelton s Financial Software DOS INSTALLATION Page 3 Dos and Windows To install Pelton s Financial Software on your computer s hard disk simply put the disk in drive A and type A INSTALL through the complete installation process The INSTALL program walks you NOTE WELL If you install to a hard disk DELete the file called CD ROM TXT after installation The instal lation program INSTALL EXE should delete your files from a bulletin board BBS you program In this case do the following cd md TI cd AT PFPXx EXE INSTALL this file for you If you got may not have the installation where the xx stands for the current version which is a number like 22 The preferred installation directory is P 1 7 Files Included With This Release ELTON REGISTER DOC Order Form FEEDBACK DOC Customer Feedback Form FEATURES DOC Pelton s Financial Software Features PELTON DOC User Manual HISTORY DOC Upgrade release history VENDOR DOC Vendor related text file READ ME More Informat
6. Growth t calc 7 reserved for future shell 8 reserved for future endar 9 Second Menu culator E Exit back to 1 23 The More Programs Menu Selection Here is what the More menu looks like as of v1 7 Helper F1 Mort calc F2 DOS F3 Calendar F4 Calculator Main Menu More Financial Programs reserved reserved reserved reserved reserved reserved reserved reserved shell FAoOMAANA UB N 1 24 The Selection Guide mentioned I have added a powerful tool to the main pro grams menu This tool is the Selection Guide If you are not totally As previously familiar with for for for for for for for for Exit back to Lottery Generator future future uture uture uture uture uture uture Main Menu Fr FH Fh FH Fh FH each financial program appropriate program and starting plac easy and as st use the Selection Guide to select the The Selection Guide makes it as traightforward as possible for you to get your solution After you have chosen the Selection Guide from the main programs menu you will see the top level of the Selection Guide Fig 1 2 The payment guantit install with sc schedul lment OP LO NI A Selection Guide Top Level Calc a Loan Payment Loans Work with Money Grow Money Disb Page 9 etc th ursement Exit back to Main Menu Figure 1 2 top level of th
7. added scheme to increase the value of a computer system etc or under a new name etc because the author reserves all copyright law rights Any person or company interested in purchasing or licensing the rights to this program should contact the author
8. is from the top level AMOUNT program FINANCE program G aa Entry 1 entries 2 and 3 and entry 4 brings up the IRA program of the Growth Selector calls up the thread into the appropriate level Page 10 Disbursement Selection Guide 1 Figure out a Withdrawal amount only 2 Cale quantities when Withdrawals Int 3 Exit back to Selection Guide Figure 1 5 Figure 1 5 shows the Disbursement Selector which appears when Money Disbursement is chosen from the top level Entry 1 of the Disbursement Guide calls up the DISTRIBUTIONS program and entry 2 threads into the appropriate level of the FINANCE program If you know basically what kind of financial problem you have to solve the Selection Guide will help lead you there in have never used Pelton s Financial Software the quickest way even if you before 1 25 Pelton s Name Address Telephone Number Order Form and Customer Feedback Form CFF You ll notice an entry on the Main Menu marked P for Info on Pelton If you move the slide bar down to this level and press lt Enter gt or P you will be prompted to press I or F Information or a Customer Feedback Form respectively Use the Customer Feedback Form to report any problems bugs new ideas enhancements likes or dislikes If you choose I Pelton s name address and telephone number will appear immediately in a box on t
9. may not look good on monochrome monitors abbrev C NO_CURTAIN suppresses closing curtain at program s end abbrev NO_CUR USE_EXPLODE uses exploding boxes instead of regular boxes abbrev USE_EXP years caching fifty system data suming theoretically that you will use 20 of your programs 80 of the me Pelton s Financial Software is a good candidate for disk caching it would appear to load almost instantaneously 1 14 Planning Your Problem Solving Strategy e first step in strategy planning is to define your goal define your Th target Wha am Th an fi te in or t are you looking for Is it an ending balance a payment ount an interest rate or a Starting amount sometimes called a beginning amount or lump sum e second st nanced usually called the principal the annual interest rate rm In this case your information is complete Financial Software would inform you so Once you have gathered all formation der tep is to write down the information you are given to work with d make sure it is complete For a simple example suppose your goal is to find the monthly payment of a mortgage loan You are given the amount and the If it weren t Pelton s your the programs will ask you the correct questions in a logical For more complex probl of problem next part lems will be to solve Don t be hesitant
10. A DAT The RCA Default Data File NOTE DO NOT delete any of these files because the programs won t run 1 8 Registration Procedures and Fee Please fill out the registration form see above or print one out from the program can do GO R or simply go to the website and download the program from the store www MeTonto com 1 9 Hardware Requirements You ll need an decent PC computer not available for Mac this space left blank 1 10 Intended Audience For Pelton s Financial Software Anyone who needs financial information reports quantities and answers or schedules or documentation about the time value of money Some of the reg istrants I have include financial planners doctors investment firms ac counting firms law firms movie makers and retirees 1 11 Quick Run How to Run the Main Program At the DOS prompt type GO This automatically runs the program in either color mode or mono mode black amp white according to the equipment you have hooked up The program actually checks your computer s configuration and sets the color accordingly Sometimes as in the case of a laptop computer the screen is actually mono but the video board is CGA Color Graphics Adapter In this case the program senses a color configuration and the mono screen washes out some colors Therefore if you have a mono monitor being driven from a color card you can force the program to display in black
11. CFF form which program you have of the problem trouble with and a description 1 27 The Seventeen Pelton s Financial Software These are the 17 programs listed within the programs Th gr th th 1 Th pr in an ha ere are two undocu am RCA PAYMENTS DIST G7 VARI LOAN G5LOAN RIBUTIONS FUTU MGM DEB FINANCE RE AMOUNT menus IRA T ANALYSIS PROFIT SHARE T RETIRE W ITH MUTUAL FUNDS FUND ACCOUNT LOAN MANAGEM TIMER i e REGULAR MORTGAG mented programs and the Timer e main programs menu ETURN RATE OF R E vs program back to Dos e timer program type TIMER from Dos 28 The PAYMENTS Program POINTS MORTGAGI ENT SYSTEM G1 the Revolving Checking un the RCA program exit Similarly Ea LOTTERY To xr and type RCA Page 11 or Credit pro from to run is program is used to print out range and spreads to the screen or to your inter crements of 0 5 across the top nd column You are asked for a starting interest rate which forms a spread in and you are asked for a starting value of other quantity which is spread in appropriate increments down the left may peruse so that you may hone in on a value close to what is en you will have defined a starting point since you ll know the rate from e top row and the value from the left hand column Th th
12. REGISTRATION FORM for Pelton s Financial Software PELTON COMPUTER CONSULTANTS Stephen J Foss 21 Hodgkins Drive Ipswich MA 01938 1630 Tel Voice 978 356 0571 Today s Date i 220 Name Company Address City State Zip Country Day telephone X FREE info about Pelton s Financial Calculation Services and Printed Schedules Financial Software Problem Example Book Site Licenses Programming Services The Big Information Kit many pages of printouts and sample reports 195 00 plus Shipping Handling s amp h 4 00 domestic US unless We wi Mail P otherwise stated Canada amp Mexico 7 00 overseas 15 00 Check Enclosed include s amp h payable to PELTON COMPUTER Please send me a PayPal Invoice you can pay with a credit card when you receive this invoice ll send you an email with the software in an attachment completed registration form with TOTAL of fees IN U S DOLLARS to ELTON COMPUTER 21 Hodgkins Drive IPSWICH MA 01938 1630 U S A 24 hour fax for MC VISA orders at 978 356 7621 Note After we receive your fax we will send you a PayPal Invoice CUSTOMER FEEDBACK FORM for Pelton s Financial Software Name Company Address Telephone Computer type description processor memory H D monitor etc Likes dislikes features wanted problems What program Likes Dislikes Features wanted Problems bugs what prog
13. The user can single step or he she can press C for the months flash by tion is not only fun b through each a continuous of the debt ut can produce Two types of printed report can ratios finance back to principal and a full length A 1 37 The Retire With Mutual Funds Program Wh at is the Retire With Mut ual Funds Program RMF and What Page 13 s it Do Suppose you have an extra 250 per month to either pay against the principal of your home mortgage or to at should you do Wh to 50 mortgages the complet Th year An annuity added in future version have loans and savings program will monitor th or loans and 50 example in section 14 acco mutual 6 below range and spread 1 38 The Fund Account Rate of Return A broker with him or her fund accountant fund for and reinvest it xample and may receive dist from certain companies which are part The fund accountant wishes to calculate the annualized redemptions year or maybe over several months will calc ulate this rate of return simple rat past I it of return t s not really the internal because IRR is a cal amounts of money like savings cul Th make th 1 39 The P amount called the profit of net present value NPV c The Profit Share Program ROFIT SHARE program using a company contribu salary time with t
14. Using Disk Caching ur Problem Solving Strategy lton s Financial Software Main Menu How to Run the Main Program Function Keys ator Planning Yo The Pel left blank The Helper Box The Mortgage Calculator The DOS Shell The Popup Calendar The Popup Calcul The Other Programs Menu Selection Page 1 Page 2 T25 Pelton s Name Address Telephone Number Order Form 1 26 Reporting a Problem With the Programs Using a CFF he Seventeen Pelton s Financial Software ual Funds Program Reg Mortgage vs Points Mortgage Program future Means 1 23 The More Programs Menu Selection 1 24 The Selection Guide and Customer Feedback Form CFF T27 T 1 28 The PAYMENTS Program T29 The G5LOAN Program T30 The FINANCE Program Paad The IRA Program 132 The DISTRIBUTIONS Program 133 The FUTURE AMOUNT Program 1 34 The G7 VARI LOAN Program 135 The MGM Money Growth Matrix 1 36 The DA Debt Analysis Program 3 The Retire With Mut T38 The Fund Account Rate of Return 12 39 The Profit Share Program 1 40 The 1 41 The Loan Management System G1 1 42 The Lottery Generator 1 43 What reserved for 1 44 Disclaimer 1 45 Copyright Infringement 1 1 Welcome to Pelton s Financial Software PFS Pelton s Financial Software abbrev PFS is a collection of computer programs driven by a fancy menu part of which is the Selection Guide The programs solve m
15. any time value financial problems encountered in See sections 1 30 to 1 42 below The Selection Guide guides business to make it easy the new or inexperienced Pelton user to the appropriate financial program to get a quick and accurate answer See sections 1 15 and 1 27 below The software is fully functional as you receive it Nothing has been held back from you on Software extensions as regist the non registered copies Pelton s Financial straight from your Shareware vendor have all the features and who hav words program ing throughout this manual tered packages but registrants i e software users registered get many more benefits See section 1 3 below The tion 1 30 below financial program and program all have the same mean which denotes an individual program See sec 1 2 The Registration Fee information and addresses The fee for this program is 195 00 plus s amp h You may also print out a Customer Feedback Form CFF You can get the CFF form from the command line GO F I thank you in advance The author conceived designed programmed and perfected the computer programs of Pelton Computer Consultants is Steve Foss B S M S The email address is Physics M S E E M B A steve MeTonto com The Website is www MeTonto com 1 3 The Problem Example book Check out life financial examples sol Software
16. e guide presents you wit or a rate term ies are known cal bimonthly bi or principal th five choices calculate a loan provided three of the four are culate and weekly hedules and calcul es Entry number 1 2 4 cal the pro l upon other guides grams Main Menu 1 Mor 2 3 Exi at menus Loan Selection Guide tgage Loans Complex Loans cal te all money disbursement quan threads into the Loan Calcul comparison of loans t back to Main Selection Guide a loan schedule standard te all money growth quantities tities with lator whereas entries y brings you back to print lculat Entry 5 immediate etc etc Installment Loans Figure 1 3 Figure 1 3 shows the Loan Selection menu which appeared on the screen when you cho G5LOAN locate Figure chosen FUTURE of the T ose Work wit and entry 2 examples of th Loans Growth Selection Guide 1 Figure out a D 2 Calc quantitie 3 Calc gquantitie 4 Cal 54 Figur from the top calls upon G7 VARI LOAN these powerful financial Here ntry 1 calls upon See the table of contents to programs Level eposit amount only s for Interest only s for Deposits amp Int lculate an IRA s Ending Balance Exit back to Selection Guide e 1 4 1 4 shows the Growth Selector which appears when Money Growth
17. he center of the screen The menu program will also ask you if you wish to print this information on your printer You may answer yes Y no N or exit E If you choose to print an Order Form will be printed Pressing the lt Esc gt key always exits or backs you out of the present context throughout the programs If you choose F a User Feed back Form will be printed Interactively you may type GO R to get a print out of the registration form Over a year EEDBACK TXT on disk 1 26 Reporting a Problem With the Software Computer programs are always being enhanced the best CFF is chosen and its author is awarded a prize There can be more than one winner The CFF s are greatly appreciated by the software authors The actual CFF is the file F Using a CFF with features or expanded in some way Even though extensive care to detail and extensive testing have taken place during the development of software before it gets to the user occasionally a bug will surface As you attempt to use the program therefore perhaps something doesn t quite work correctly or quite work the way you expect If a bug should appear please file a Customer Feedback Form so that the programmer will be aware of it To report a problem just write down your name address phone number in case I want to contact you about the problem and type of computer accord ing to the
18. he profit sharing year factor as a seniority states whether or program months of hand cal ach employ company not th Leculation work gram was first rel cause leased around 198 I personally consider it to be an to be lost by itself 1 40 The Regular Mortgage vs The progra or savings a But basically unts moving along contemporaneously e financials of such for each month see the Payments progr of shar receive shareholders group of rate invest in mutual funds towards your retirement e Retire With Mutual Funds financial program will un doubtedly answer your question once and for all funds m will accept up ccounts See a person may and this or for each am will be or fund manager has clients who hold accounts These clients make fund purchases like withdrawals tributions of the funds es of a mutual growth on funds dividends investments of return over a The Fund Account Rate of e Aa cul ation This rate of return is just all transactions in the fund took place in the rate of return ation based on a series of f discount rat IRR a uture where th Return program that a s some may call payments or r ero small employee data base and an initial quickly calculates the shar tion se payments is called the IRR based on a weighted average of five based
19. ion INSTALL EXE Installation Program GO EXE Main Menu PFU CTL Control File do not corrupt this PFU CF2 Second Mailbox G5 COM G5Loan Program G5 EX1 Part of the G5Loan Program G5 CHN Part of the G5Loan Program G5 CLC Part of the G5Loan Program G5 CMP Part of the G5Loan Program G5 NAD Part of the G5Loan Program DA EXE Debt Analysis Program SAMPLE DA Sample DA data file FI COM Finance Program PA COM Payments Program G7 COM G7 VARI LOAN Program G7 CHN Part of the G7 VARI LOAN Program G7 HLP G7 VARI LOAN help file section IR EXE IRA Calc Program MG COM MGM Money Growth Matrix Program SAMPLE MGM Sample MGM data file TH COM Things To Do Program THINGS TNG Sample Things To Do file SAMPLE TNG Another sample Things To Do file Page 4 LSTFL T9IG The Things To Do control file PR COM The Profit Share Calc Program PROFITSH DAT The Profit Share Live Data File PSSAMPLE DAT The Profit Share Sample Data File RMF EXE Retire With Mutual Funds Program FARR EXE Fund Account Rate of Return Program LO COM The Lottery Generator Program FILE_ID DIZ Description in Zip program description CD ROM TXT Stub file so you can t write to read only medium G1 EXE The Loan Management System G1 Program G1 CEE LMS G1 Control File 1 G1 LMS Example Data Base TIMER COM The Timer Tone Generator Program undocumented RCA EXE The Revolving Checking Account undocumented RCA RCA The RCA Control File RC
20. lock in convenienc rect reset Th 1 17 The keys until your to or PE 9 choic Ty Oy E Helper Box Function Keys You ll notice there s a Helper box on some usef ul and powerful helper functions the sections below your keyboard which are explained in Helper Fl F2 F3 F4 Mort Cal is revers or Er your system level menu that s what you re using the upper right hand corner of your screen clock images your computer s time it from your PC highlighted Pressing lt E if you Noti It so i the front screen press the fun LC DOS Shel Ll Calendar Calculator then press lt Enter gt sc gt or e will have one or your ce the real tim was added for your f the time is incor This box contains ction keys on top of Page 7 1 18 Below The Mortgage Calculator is shown an example of the mortgage calculator popup It comes al ready set up to find a monthly payment Modify the principal or rate or term and tap lt Fl gt The cursor tries to stay at the last quantity you modified so you can try try try again For example modify the prin cipal tap lt F1 gt look at the payment Then modify the principal tap lt F1 gt look at the payment And so on With a little practice you ll become an expert at it Press lt Esc gt or lt F10 gt to exit The information is saved to the mailbox unless you chose NO_MAILBOX as a
21. of 78 s with different compounding periods varies according u may modify the payment to the remaining amount or calculator financed for an straightforward and money growth of a Money withdrawal of an interest bearing sum over ding balance FINANCE is a very powerful program planning see ancial rate as long as five month long as ly the eet may be printed after calculation monthly deposit or yearly date of a yearly deposit may be zero summary term deposit of these six because it can calculate an ending balance of terest bearing savings account into which an and a recurring yearly deposit but not all the first deposit ever made has or a complete schedule 1 32 The DISTRIBUTIONS Program This program is actually as Given a starting balance than the starting balance immediately calculate the withdrawal amount for yo must be less ubset of the all inclusive FINANCE interest rate term the DISTRIBUTI Page 12 program and an ending balance which U ONS program will This withdrawal amount is the amount of money that you may withdraw from your interest bearing starting sum to reach the ending balance over the term 1 33 The FUTURE AMOUNT Program This program is also a subset of the all inclusive FINANCE program s greater than ately calculate amount of money ta
22. on anniversary date an arbitrary factor and the participa of hours from 1 to 5 wh tion flag YES Although 9 I ve decided to is employee participates in this profit The calculation takes only a second or two which m this financial ca mployee fields worked during ich may be used or NO which sharing save weeks or ulation pro ay lc include t in vl 7 be i xcellent program an Points Mortgage Program This program presents a comparison of a regular mortgage loa ments to the sa ferent annual interest rate of whether or not costs up front in order to save money over the term With you should spend me loan with points and closing cost this program you can answer the question the extra money for points and closing via less interest See the xample in section 16 7 in you may b This is a much needed program for anybody getting a mortgage nancing ts presumably at d it just seemed n level pay a dif the long run e surprised loan or refi Page 14 1 41 The Loan Management System Gl The LMS program calculates number of days between payments and then calcu lates the simple interest actual or actuarial interest that accrued between these two dates Some firms use this type of loan as compared with direct reduction level payments type loan when lending money Reports can be printed
23. program qualifier when you launched GO EXE see section 1 12 I added this feature to make Pelton s Financial Software quicker and easier to use Quick Mortgage Calculator enter 4 of 5 quantities press lt F1l gt to calculate Title Principal 90000 Annual Rate Tug Years 25 Add l Months 0 Payment Press lt Esc gt lt F10 gt to exit 1 19 The Sometimes grams and DOS Shell you may want to temporarily jump out of Pelton s Financial Pro go to DOS but you don t want to actually and formally exit the program Choose lt F2 gt and the following screen appears along with the DOS prompt e g C PELTON gt below as you are temporarily in DOS but PFP is still loaded Now you can do regular everyday DOS things like DIR COPY TYPE something etc or you may even run your word processor When you are finished in the DOS world type EXIT to go immediately back into PFP DON T RERUN PFP by typing GO because you may run out of memory because PFP is al ready loaded and waiting for your return via the EXIT command 1 20 The Popup Calendar Pressing the lt F3 gt function key from the Main Menu will pop up the calendar This calendar is a nifty feature born When the calendar appears You can look up the exact day people were pressing the up or down arrow will change the month pressing the lt PgUp gt or lt PgDn gt key will change the year pressing the lt End gt ke
24. ram Want us to program or customize something special for you What Remarks This form does not imply free programming services nor is it an offer to perform services It is for information purposes only Fax form 24 hours to 978 356 7621 or mail completed Customer Feedback Form to Stephen J Foss 21 Hodgkins Drive IPSWICH MA 01938 1630 USA oo Jx 0U BWNHE NNNFPRPRPRPRPRPRPRP ER NFPOWANIHAUAWBNHEO Manual for PELTON S FINANCIAL SOFTWARE TABLE OF CONTENTS BY CHAPTER NUMBER Ts Introduction and Selection Guide 2 Distributions 3e IRA Calculator 4 Future Amount Js G5 Loan 6 Payments Le G7 Variable Loan 8 reserved 9 Finance 10 Things to Do Lrs Money Growth Matrix MGM 12 Debt Analysis DA Tz Profit Share Program 14 Retire with Mutual Funds 15 Fund Account Rate of Return 16 Regular Mortgage vs Mortgage w Points 17 Loan Management System G1 18 Lottery Generator Chapter 1 Introduction and Selection Guide TABLE OF CONTENTS BY SECTION NUMBER Welcome to Pelton s Financial Software PFS Registration Fee Information and Addresses The Problem Example Book Installing Pelton s Financial Software Dos and Windows left blank left blank Files Included With This Release Registration Procedures and Fee Hardware Requirements Intended Audience for Pelton s Financial Software Quick Run Command Line Qualifiers
25. rting balance interest rate the starting balance the deposit amount for you that you must deposit into your interest bearing account so term that your money grows to the ending balance over the term 1 34 The G7 VARI LOAN Program With this Pelton s Financial nt payment to paym side by side anal payment amount mary list first 3 and last 3 and you can save and recall your work you to decide which loan is better for you lysis summary Secondly the first The h Money growth cal enter some simp n of information lculat le dat on which you enter a starting amount onrecurring deposit amount elpful features as you will see later 1 35 The MGM Money Growth Matrix tions are easy ta and produce an answer a rate your money growth problem 1 36 The DA Debt Analysis Program DA gives you a quick and easy method for anal from one to six interest charging accounts like MasterCard and second mortgages and so on a date tS balloon tur fea MGM presents you wit Given a and an ending balance which must be the FUTURE AMOUNT program will immedi This deposit amount is the Program you can analyze one or two different complex loans in which the interest rates or payment amou you can quickly compare th With G7 VARI LOAN you can three or last three paymen You can also expand or shrink compare
26. to the screen printer or file The program offers quick balance lookups saving and editing payment information a convenient backup procedure and a convenient setup procedure 1 42 The Lottery Generator The little program is just a random number generator and it does not keep a statistical history of numbers drawn throughout time There are four types of games for which a set of random numbers may be generated S section 15 4 for the main screen to see the games 1 43 What reserved for future Means This menu choice will be occupied by a financial program in a future re lease of Pelton s Financial Software Why keep programming the main menu driver when I could program it for future growth now v1 7 1 44 Disclaimer In no event will the author be liable for any damages including any lost profits lost savings or other incidental or consequential loss or damages arising out of the use of or the inability to use this program even if the author has been advised of the possibility of such damages The author makes no warranties either express or implied respecting the software its quality performance merchantability or fitness for any particular purpose 1 45 Copyright Infringement This program is protected under the copyright laws of the U S This pro gram is not public domain it is sold for a fee This program may not be sold nor copied and sold for profit or under a value
27. y will bring you to December of the year you re in pressing the lt Home gt key will bring you back to this month finally pressing lt F3 gt or lt Esc gt will quit the calendar 1 21 The Popup Calculator Pressing the lt F3 gt function key from the Main Menu will pop up the calendar Now you re ready to use it Notice your Num Lock light came on this will enable you to use the numeric keypad If you want to add a list of numbers say enter the number then press on the keypad or regular typing section then a number then and so When you are done and want a total press lt Enter gt or Then the calculator will request you to do A nother calc ulation or Q uit You can also press lt F4 gt or lt Esc gt to quit 1 22 The Other Programs Menu Selection As of vl 7 th ere are two more menus the Page 8 Other and More programs menus Rather than keep reprogramming the main menu program I decided to provide for future growth early on by building these additional menus Also the choices on th future major Helper Fl Mor F2 DOS F3 Cal F4 Cal e menus are not cast in stone and will probably vary a bit in Debt Analysis Program DA Profit Share Calculation Retire with Mutual Funds Fund Account Rate of Return Loan Management System G1 Matrix MGM Other Prgms versions Other Financial Programs I 2 Sic 4 5s 6 Money
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