*-2x=9,-
HELP INDEX
!Use the arrow keys to highlight the desired
! topic, and then press (ENTER).
────────────────────────────────────────────────────────────────────
/?/
0-/
9
Welcome
1-/
10
Support
2-
6
Hot-Keys
3-
11
Mouse
08
2
Help
18
15
Info
28
12
Kudos
38
3
Field Editing
0H
7
License
1H
13
DOS Shell
2H
125
Net Worth
3H5
14
Swapping
0V
17
ASCII Chart
1V
16
Box Codes
2V
81
Set Colors
3V
131
Sample Data
0f1
1
..
1f1
1
..
2f1
1
..
3f1
1
..
*--xA9,,
HELP
This program contains an on-line, context sensitive help system.  At
any time, you can view a help screen relating to your position in
the program by pressing (F1).  Presented below is a summary of the
valid commands while in the help window.
────────────────────────────────────────────────────────────────────
(ARROW KEYS) Select a topic by moving the highlight bar with
             any of the arrow keys.
(ANY LETTER) Jump to the next selection beginning with that letter.
────────────────────────────────────────────────────────────────────
(HOME) Move the highlight bar to the first selection.
 (END) Move the highlight bar to the last selection.
(PGUP) Move the highlight bar 1/10 back in the list.
(PGDN) Move the highlight bar 1/10 forward in the list.
────────────────────────────────────────────────────────────────────
(ESC) or (-) Leave the help system and return to program.
────────────────────────────────────────────────────────────────────
/,,
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INDEX
*-.xA9,,
FIELD EDITING pg. 1 of 3
When entering certain text information, such as a description, you
may use the following field editing commands.
────────────────────────────────────────────────────────────────────
     (HOME)  Moves the cursor to the beginning of the line.
      (END)  Moves the cursor to the end of the line.
────────────────────────────────────────────────────────────────────
        ()  Moves the cursor one space to the left.
        ()  Moves the cursor one space to the right.
   (CTRL-)  Moves the cursor one word to the left.
   (CTRL-)  Moves the cursor one word to the right.
────────────────────────────────────────────────────────────────────
      (DEL)  Deletes one character at the cursor.
(BACKSPACE)  Moves the cursor one space to the left and deletes
             one character.
────────────────────────────────────────────────────────────────────
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*--xB9,,
FIELD EDITING pg. 2 of 3
  (INS)  Toggles between the insert and over-type mode.  While in
         the insert mode the cursor's height will increase and new
         characters are inserted by shifting all remaining text one
         position to the right of the cursor.  Toggling back to the
         over-type mode will restore the cursor to its normal size
         and characters entered will replace those at the cursor.
────────────────────────────────────────────────────────────────────
   (F5)  Converts all the text to upper case.
   (F6)  Converts all the text to lower case.
   (F7)  Makes the first letter of each word upper case.
   (F8)  Reverses the character's case at the cursor.
────────────────────────────────────────────────────────────────────
 (PGUP)  Enter control character (i.e. ALT-027, ALT-007, etc.)
 (PGDN)  Reverse all changes and continue editing.
  (ESC)  Reverse all changes and quit.
(ENTER)  Accept all changes and quit.
────────────────────────────────────────────────────────────────────
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INDEX
*-2x=9,,
FIELD EDITING pg. 3 of 3
In some instances, the input line will appear with text already in
it.  This is either the default or the last entered text.  Pressing
any character will erase the line and allow you to enter new text.
However, you may choose to edit the text by first pressing a control
key.  A control key is any valid non-alphanumeric key such as (INS)
or ().
────────────────────────────────────────────────────────────────────
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INDEX
*-0x>9,,
HOT-KEYS
There are certain key combinations that are available to you anytime
MY MONEY is waiting on a key to be pressed.  These are called
HOT-KEYS.
────────────────────────────────────────────────────────────────────
Valid Hot-Keys (default):

              (F1)  Context sensitive help.
           (ALT-M)  Available memory and other key information.
           (ALT-S)  Shell to DOS, return to MY MONEY by typing EXIT.
────────────────────────────────────────────────────────────────────
//,
6-,
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INDEX
2:,
2
(F1)
37,
15
(ALT-M)
47
13
(ALT-S)
*-.xA9,,
LICENSE AGREEMENT pg. 1 of 2
MY MONEY (the software) is licensed to you.  The author, J.E.
Smith, retains sole ownership of the software.

The software may only be used by the individual named on the opening
screen (the licensee), with the exception of the licensee's legal
spouse.  At no time should more than one set of records be kept with
the same licensed program.  One household record per licensed copy.

You, as licensee, are permitted to make a backup copy of the
software for your own use in case the original disk becomes
defective.  Also, you are permitted to make copies, as needed, to
archive past years.  All other copies are prohibited.  You may, and
are encouraged, to routinely backup your data files.  Data files end
with the extensions .DTA and .DTD.
────────────────────────────────────────────────────────────────────
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*--xB9,,
LICENSE AGREEMENT pg. 2 of 2
You may NOT alter, decompile or disassemble the software or any of
the supporting files other than what occurs during the natural use
of the program.

You may NOT assign, sublicense, or transfer the software or any
rights under this License to anyone else.  This License Agreement is
NOT transferable and can only be revoked, by the user, if he or she
destroys ALL copies of the program.
────────────────────────────────────────────────────────────────────
DISCLAIMER OF ALL WARRANTIES AND LIABILITY

MY MONEY IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER
EXPRESSED OR IMPLIED.  YOU ASSUME THE ENTIRE RISK OF USING THE
PRODUCT.  THE AUTHOR WILL NOT BE LIABLE FOR, BUT NOT LIMITED TO,
DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES RESULTING FROM
ANY DEFECT IN, OR USE OF, THE SOFTWARE.
────────────────────────────────────────────────────────────────────
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INDEX
*-.xA9,,
WELCOME
Welcome to MY MONEY!  MY MONEY is a personal finance manager
designed to be intuitive and easy to use.  It was written for those
people who prefer not to be bothered with all the underlying
accounting gibberish, but are more interested in painless personal
finances with minimal user maintenance.
────────────────────────────────────────────────────────────────────
Major features include a checkbook manager (3 accounts), net worth
tracker, a credit card manager, cash payment manager, financial
calculator, portfolio section, depreciable asset section, a printout
module, an analysis module with tables, bar charts and pie charts.
────────────────────────────────────────────────────────────────────
An extensive, on-line, context-sensitive, hyper-text, help system is
always available by pressing (F1).  A lot of thought and time went
into MY MONEY, I hope you find it as useful as I do.
────────────────────────────────────────────────────────────────────
/,,
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1
INDEX
*--xA9,,
TECHNICAL SUPPORT
Questions or comments about this product, or any of my other
products, should be directed to:

      Jim E. Smith                        Channel 8250
  344 Observatory Drive        or        Conference #42
  Birmingham, AL  35206                   205-744-8546

Internet: jim.smith@the-matrix.com

I also monitor several national networks such as ILink, U'NI Net,
etc.  You may leave me mail, addressed to JIM SMITH, in the
Shareware Conference of any of these networks.

In addition to the above, registered users are provided with my home
phone number for immediate technical support.
────────────────────────────────────────────────────────────────────
/,,
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INDEX
*-4x;9,,
MOUSE SUPPORT
Mouse Support was deferred until a later version, so that it can be
properly implemented.
────────────────────────────────────────────────────────────────────
/,,
/-,
1
INDEX
*-3x;9,,
KUDOS AND MANY THANKS
I would like to thank all the people who have registered MY MONEY.
If you had not done so, MY MONEY would have ceased to exist many
years ago.
────────────────────────────────────────────────────────────────────
/,,
0-,
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INDEX
*-0x?9,,
DOS SHELL
This command (ALT-S, by default) allows you to shell to DOS without
exiting MY MONEY.  You can then perform DOS related functions such
as formatting disks, copying files or any other needed activity.
When you are finished, type EXIT and you will immediately return to
MY MONEY exactly where you were when you shelled to DOS.
────────────────────────────────────────────────────────────────────
If Swapping is turned off, MY MONEY is left in conventional memory.
This will limit the amount of free memory while in DOS.  If you get
errors such as 'Program too big to fit in memory' or 'Out of memory'
try turning Swapping on before shelling to DOS.
────────────────────────────────────────────────────────────────────
/.,
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6
Hot-Keys
78,
14
Swapping
7C
1
INDEX
*-.x@9,,
SWAP TO MEMORY OR DISK
When this option is toggled On, MY MONEY is moved out of
conventional memory before external programs, including DOS shells,
are executed.  This frees more memory for the external program.  MY
MONEY will attempt to swap itself to high memory first.  If there is
not enough memory, it will attempt to swap itself to disk.  Toggle
this option by pressing (ENTER).
────────────────────────────────────────────────────────────────────
The advantage to swapping is the increased memory capacity afforded
the external program.  However, it will take longer to execute the
program because of the time needed to remove MY MONEY from
conventional memory.  Disk swaps will take longer than memory swaps.
Therefore, if your applications will run without swapping, it is to
your advantage to leave this option toggled Off.
────────────────────────────────────────────────────────────────────
/,,
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INDEX
*-/x@9,,
SYSTEM INFORMATION
Key system information is available to you anytime by pressing
(ALT-M, by default).  The following information is displayed.
────────────────────────────────────────────────────────────────────
NEAR FREE  Amount of free memory on the near heap.  This number is
           really not useful to you, since you can not control it.
────────────────────────────────────────────────────────────────────
 FAR FREE  Amount of free memory that MY MONEY and other programs
           can use.  When you shell to DOS or MY MONEY runs other
           programs, this is the memory that is used.
────────────────────────────────────────────────────────────────────
NEAR HEAP and FAR HEAP are validity checks for the memory that MY
MONEY uses.  Also displayed is the system time and date.
────────────────────────────────────────────────────────────────────
/,,
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INDEX
*,,{D9,,
BOX ASCII CODES
  201╔══════════╦══════════╗187          214╓──────────╥──────────╖183
     ║       203║          ║                ║       210║          ║
     ║186       ║          ║                ║186       ║          ║
     ║          ║206       ║                ║          ║215       ║
  204╠══════════╬══════════╣185          199╟──────────╫──────────╢182
     ║          ║          ║                ║          ║          ║
     ║186       ║          ║                ║186       ║          ║
     ║          ║202       ║                ║          ║208       ║
  200╚══════════╩══════════╝188          211╙──────────╨──────────╜189
         205                                    196
                    205                                    196
  213╒══════════╤══════════╕184          218┌──────────┬──────────┐191
     │       209│          │                │       194│          │
     │179       │          │                │179       │          │
     │          │216       │                │          │197       │
  198╞══════════╪══════════╡181          195├──────────┼──────────┤180
     │          │          │                │          │          │
     │179       │          │                │179       │          │
     │          │207       │                │          │193       │
  212╘══════════╧══════════╛190          192└──────────┴──────────┘217
/-,
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17
ASCII Chart
A;
1
INDEX
*--xB9,,
ASCII CHART 1 of 2
 0   NUL │ 16  DLE │ 32    │ 48 0  │ 64 @  │ 80 P  │ 96 `   │ 112 p
 1  SOH │ 17  DC1 │ 33 !  │ 49 1  │ 65 A  │ 81 Q  │ 97 a   │ 113 q
 2  STX │ 18  DC2 │ 34 "  │ 50 2  │ 66 B  │ 82 R  │ 98 b   │ 114 r
 3  ETX │ 19  DC3 │ 35 #  │ 51 3  │ 67 C  │ 83 S  │ 99 c   │ 115 s
 4  EOT │ 20  DC4 │ 36 $  │ 52 4  │ 68 D  │ 84 T  │ 100 d  │ 116 t
 5  ENQ │ 21  NAK │ 37 %  │ 53 5  │ 69 E  │ 85 U  │ 101 e  │ 117 u
 6  ACK │ 22  SYN │ 38 &  │ 54 6  │ 70 F  │ 86 V  │ 102 f  │ 118 v
 7  BEL │ 23  ETB │ 39 '  │ 55 7  │ 71 G  │ 87 W  │ 103 g  │ 119 w
 8  BS  │ 24  CAN │ 40 (  │ 56 8  │ 72 H  │ 88 X  │ 104 h  │ 120 x
 9 	 HT  │ 25  EM  │ 41 )  │ 57 9  │ 73 I  │ 89 Y  │ 105 i  │ 121 y
10   LF  │ 26   SUB │ 42 *  │ 58 :  │ 74 J  │ 90 Z  │ 106 j  │ 122 z
11  VT  │ 27  ESC │ 43 +  │ 59 ;  │ 75 K  │ 91 [  │ 107 k  │ 123 {
12  FF  │ 28  FS  │ 44 ,  │ 60 <  │ 76 L  │ 92 \  │ 108 l  │ 124 |
13   CR  │ 29  GS  │ 45 -  │ 61 =  │ 77 M  │ 93 ]  │ 109 m  │ 125 }
14  SO  │ 30  RS  │ 46 .  │ 62 >  │ 78 N  │ 94 ^  │ 110 n  │ 126 ~
15  SI  │ 31  US  │ 47 /  │ 63 ?  │ 79 O  │ 95 _  │ 111 o  │ 127 
────────────────────────────────────────────────────────────────────
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=4
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Box Codes
=@
1
INDEX
*--xB9,,
ASCII CHART 2 of 2
  128 Ç  │ 144 É  │ 160 á │ 176 ░ │ 192 └ │ 208 ╨ │ 224 α  │ 240 ≡
  129 ü  │ 145 æ  │ 161 í │ 177 ▒ │ 193 ┴ │ 209 ╤ │ 225 ß  │ 241 ±
  130 é  │ 146 Æ  │ 162 ó │ 178 ▓ │ 194 ┬ │ 210 ╥ │ 226 Γ  │ 242 ≥
  131 â  │ 147 ô  │ 163 ú │ 179 │ │ 195 ├ │ 211 ╙ │ 227 π  │ 243 ≤
  132 ä  │ 148 ö  │ 164 ñ │ 180 ┤ │ 196 ─ │ 212 ╘ │ 228 Σ  │ 244 ⌠
  133 à  │ 149 ò  │ 165 Ñ │ 181 ╡ │ 197 ┼ │ 213 ╒ │ 229 σ  │ 245 ⌡
  134 å  │ 150 û  │ 166 ª │ 182 ╢ │ 198 ╞ │ 214 ╓ │ 230 µ  │ 246 ÷
  135 ç  │ 151 ù  │ 167 º │ 183 ╖ │ 199 ╟ │ 215 ╫ │ 231 τ  │ 247 ≈
  136 ê  │ 152 ÿ  │ 168 ¿ │ 184 ╕ │ 200 ╚ │ 216 ╪ │ 232 Φ  │ 248 °
  137 ë  │ 153 Ö  │ 169 ⌐ │ 185 ╣ │ 201 ╔ │ 217 ┘ │ 233 Θ  │ 249 ∙
  138 è  │ 154 Ü  │ 170 ¬ │ 186 ║ │ 202 ╩ │ 218 ┌ │ 234 Ω  │ 250 ·
  139 ï  │ 155 ¢  │ 171 ½ │ 187 ╗ │ 203 ╦ │ 219 █ │ 235 δ  │ 251 √
  140 î  │ 156 £  │ 172 ¼ │ 188 ╝ │ 204 ╠ │ 220 ▄ │ 236 ∞  │ 252 ⁿ
  141 ì  │ 157 ¥  │ 173 ¡ │ 189 ╜ │ 205 ═ │ 221 ▌ │ 237 φ  │ 253 ²
  142 Ä  │ 158 ₧  │ 174 « │ 190 ╛ │ 206 ╬ │ 222 ▐ │ 238 ε  │ 254 ■
  143 Å  │ 159 ƒ  │ 175 » │ 191 ┐ │ 207 ╧ │ 223 ▀ │ 239 ∩  │ 255
────────────────────────────────────────────────────────────────────
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=8
16
Box Codes
=D
1
INDEX
*94l:9,,
NO HELP
Sorry, no help is available for this topic.
/,,
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INDEX
*--xA9,,
MASTER MENU
The MASTER MENU is the gateway by which you access the many features
of MY MONEY.   It is the first menu seen after the opening screen.
As with all the other menus, to select an item press the number,
letter or key next to the desired option.  Also you can use the
cursor keys to highlight the desired option, and then press (ENTER)
to select it.  Presented below is a list of the valid options.
────────────────────────────────────────────────────────────────────
 Checkbook     - Menu                Summary         - Information
 Credit Cards  - Entry screen        Backup Data     - Operation
 Cash Payments - Entry screen        Setup           - Entry screen
 Analysis      - Menu                Change Date     - Entry screen
 Other Assets  - Menu                Printouts       - Menu
 Portfolio     - Entry screen        Fin. Calculator - Operation
 Record Income - Entry screen        Budget          - Entry screen
                                     Exit            - Quit program
────────────────────────────────────────────────────────────────────
/:3
3-3
21
Checkbook
4-
22
Credit Cards
5-
23
Cash Payments
6-
24
Analysis
7-
25
Other Assets
8-
26
Portfolio
9-
27
Record Income
<-
1
INDEX
3Q
28
Summary
4Q
29
Backup Data
5Q
30
Setup
6Q
31
Change Date
7Q
32
Printouts
8Q
33
Fin. Calculator
9Q
34
Budget
*-2x<9,,
CHECKBOOK - GENERAL
The Checkbook menu provides all the options needed to maintain three
separate checking accounts.  From the Checkbook menu you can enter
checks, enter deposits, list unprinted items, list outstanding
items, list or print checks by expense categories and reconcile the
account.
────────────────────────────────────────────────────────────────────
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35
Checkbook Menu
2>
20
Master Menu
2L
1
INDEX
*-2x=9,,
CREDIT CARDS
The Credit Card option is used to enter credit card transactions.
To use, select option (2) from the Master Menu, enter the category
number and amount when prompted.  If a credit (refund) needs to be
entered, key the number in and press the minus (-) key.  Brackets
will appear around the number to indicate it is negative.  Pressing
the plus (+) key will make it positive.
────────────────────────────────────────────────────────────────────
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Master Menu
3;
1
INDEX
*-2x=9,,
CASH PAYMENTS
To have a true and complete representation of expenses, all expense
items must be included, regardless of payment method.  The use of
the Cash Payments option is identical to Credit Card option, except
the amount is not added to your credit card balance.  To use, select
option (3) from the Master Menu, enter the category number and
amount when prompted.
────────────────────────────────────────────────────────────────────
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Master Menu
3;
1
INDEX
*-0x?9,,
ANALYSIS - GENERAL
The Analysis option displays various reports, graphs and charts.
────────────────────────────────────────────────────────────────────
MY MONEY stores information on the running 12 month system.  That
means at any time there will be 11 full months of data and 12th, or
current month, is the one you are working in.  For example, on March
1 when you update your net worth for February, all the transactions
for March are set to zero leaving 11 months untouched (April of last
year through February of this year).  All transactions entered will
go into March of the current year.  Therefore, at any time you may
access data for the most recent 11 months.
────────────────────────────────────────────────────────────────────
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47
Analysis Menu
7=
20
Master Menu
7K
1
INDEX
*-.xA9,,
OTHER ASSETS - GENERAL
The Other Assets section allows you to avoid large swings in net
worth when expensive durable goods are purchased.  A durable good is
something with a useful life of at least one year.  Examples of
durable goods are a washer and dryer, refrigerator, stereo system,
television set, an automobile, etc.  These items should be set up as
Other Assets and depreciated.
────────────────────────────────────────────────────────────────────
The asset is depreciated over the life you choose.  This life can
range from one to five years.  Each month when you update your net
worth, the assets are automatically depreciated, and the sum of all
the assets net value is automatically carried to the Other Assets
category and depreciation is carried to the Income Statement.
────────────────────────────────────────────────────────────────────
Please refer to then manual MM.DOC for a comprehensive example.
────────────────────────────────────────────────────────────────────
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Other Assets Menu
;A
20
Master Menu
;O
1
INDEX
*-3x;9,,
PORTFOLIO - GENERAL
The Portfolio section is used to keep track of owned securities such
as stocks or shares in a mutual fund.  Details may be kept on twenty
different securities.
────────────────────────────────────────────────────────────────────
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Portfolio
09
20
Master Menu
0G
1
INDEX
*-2x<9,,
RECORD INCOME
The Record Income option is used to record income from salaries,
investments, etc.  To use, select option (7) from the Master Menu,
then enter the category number and amount when prompted.  NOTE:
Interest recorded in the checkbook reconciliation module does *NOT*
automatically carry over to this section.
────────────────────────────────────────────────────────────────────
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20
Master Menu
2;
1
INDEX
*-3x<9,,
SUMMARY
The Summary option provides a quick reference to certain key numbers
such as, your total checking balance (all checking accounts added
together), charge balance, most recent net worth, portfolio balance
and current month's total expenses.
────────────────────────────────────────────────────────────────────
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20
Master Menu
1;
1
INDEX
*-1x=9,,
BACKUP DATA
This option allows you to backup your data files (.DTA and .DTD) to
a floppy/mini disk.  The source drive is automatically the active
drive and directory.  You may select A:\ or B:\ as your destination
drive with option (4) of the Setup Menu.  If the source and
destination drive are the same, you will be prompted to swap disks.
The bottom right side of the Master Menu displays how many days
since the last time this option was used.
────────────────────────────────────────────────────────────────────
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Master Menu
4;
1
INDEX
*-3x;9,,
SETUP - GENERAL
This option allows you to change the net worth categories, expense
categories, income categories, edit several key variables, reset the
net worth date and reset the backup date.
────────────────────────────────────────────────────────────────────
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20
Master Menu
0;
1
INDEX
*-/x@9,,
CHANGE DATE
The Change Date function changes the date used by MY MONEY.  Since
the most recent 11 months of data are stored on disk, you can safely
back-date into any of them.  However, if you back-date past 11
months you will overlap into current data. If you change the date to
a different month in the future, the net worth module will execute.
Changing dates into future months could cause undesirable results.
Never move into a future month unless you are ready to close out the
current month, and then only move into the next month.
────────────────────────────────────────────────────────────────────
The left and right arrows moves one day back and forward
respectively.  To enter a specific date press (F10), and enter the
desired date in a 'mo-da-year' format.
────────────────────────────────────────────────────────────────────
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Master Menu
9;
1
INDEX
*-4x;9,,
PRINTOUTS - GENERAL
The Printouts option provides a printed hardcopy of various reports
similar to the reports displayed in the Analysis Section.
────────────────────────────────────────────────────────────────────
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Printouts
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20
Master Menu
/G
1
INDEX
*-/x?9,,
FINANCIAL CALCULATOR - GENERAL
We have all heard the statement "time is money", but have we ever
stopped to consider exactly what this means.  Money not only has a
current purchasing value, but also, a time value.  Excluding risk
and inflation, a dollar received today is worth more than a dollar
received a year from now since it can be invested and earn a return
during the year.
────────────────────────────────────────────────────────────────────
The financial calculator and integrated amortization schedule lets
you calculate useful information such as monthly payments on a loan,
how much savings will grow in certain period, payoff on an existing
loan, how to double up on house payments, etc.
────────────────────────────────────────────────────────────────────
/-,
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97
Detailed Info.
8>
1
INDEX
*-3x;9,,
BUDGET - GENERAL
The Budget option allows you to enter month by month budget amounts
for each of the expense categories.  It will also display the full
year's budget.
────────────────────────────────────────────────────────────────────
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Budget
067
20
Master Menu
0D
1
INDEX
*-/x@9,,
CHECKBOOK
The Checkbook menu provides all the options needed to maintain three
separate checking accounts.
────────────────────────────────────────────────────────────────────
 Enter Check    - Entry screen     List by Category  - Information
 Enter Deposit  - Entry screen     Print by Category - Information
 Transfer Check - Entry screen     Corrections       - Entry screen
 Unprinted      - Information      Reconcile Account - Operation
 Outstanding    - Information      Print Unprinted   - Operation
 Change Account - Operation        Exit              - Master Menu
────────────────────────────────────────────────────────────────────
Do NOT enter interest earned or service charges incurred as deposits
and checks.  This is handled when your account is reconciled.
────────────────────────────────────────────────────────────────────
/82
/-2
36
Enter Check
0-
37
Enter Deposit
1-
38
Transfer Check
2-
39
Unprinted
3-
40
Outstanding
4-
41
Change Account
9-
1
INDEX
/O
42
List by Category
0O
43
Print by Category
1O
44
Corrections
2O
45
Reconcile Account
3O
46
Print Unprinted
95
21
General Info.
*-/x?9,,
ENTER CHECK
After selecting the Enter Check option from the Checkbook Menu, the
expense categories are displayed and you are asked to choose one.
Do so, and press (ENTER).  Answer each of the prompts by entering
the requested data and pressing (ENTER).
────────────────────────────────────────────────────────────────────
If you do not enter a description the default description is used.
The default description is the category description shown above.
Also, pressing (ENTER) when prompted for the date will select the
default date.  If you make a mistake, answer the "Is the information
correct (Y/N)?" with a "N" for no, and you will be allowed to
reenter the data.
────────────────────────────────────────────────────────────────────
/-,
8-,
35
Checkbook Menu
8>
1
INDEX
*-3x<9,,
ENTER DEPOSIT
The Enter Deposit option is used to record deposits and other
additions to your checking account.  To use, key in the amount of
the deposit, enter a description and the date.  To select the
default description or date press (ENTER) when prompted.
────────────────────────────────────────────────────────────────────
/-,
1-,
35
Checkbook Menu
1>
1
INDEX
*-0x>9,,
TRANSFER CHECK
A Transfer Check is exactly like a regular check except it is not
charged to an expense category.  For example, you write a check to
your broker to purchase some stock.  The stock is not really  an
expense.  What you have actually done is transfer the asset from
your checking account to your portfolio. The same is true for items
purchased and set up under Other Assets.
────────────────────────────────────────────────────────────────────
To use, select select Transfer Option from the Checkbook Menu and
answer the prompts.
────────────────────────────────────────────────────────────────────
/-,
6-,
35
Checkbook Menu
6>
1
INDEX
*-3x<9,,
UNPRINTED ITEMS
This option lists unprinted checking account transactions.  When
entries are made to the checking account they are saved here.  Once
50 items are accumulated, they are printed out, this section is
cleared and the process begins again.
────────────────────────────────────────────────────────────────────
/-,
1-,
35
Checkbook Menu
1>
1
INDEX
*-2x<9,,
OUTSTANDING ITEMS
This option lists items outstanding between you and the bank.  That
is, items that you have recorded but the bank has not.  Items get on
this list when you enter a checking transaction and exit the list
when the account is reconciled.  The maximum number of items this
list will hold is 99.
────────────────────────────────────────────────────────────────────
/-,
2-,
35
Checkbook Menu
2>
1
INDEX
*-2x=9,,
CHANGE ACTIVE CHECKING ACCOUNT
This option allows you to make another checking account the active
account.  The current active account is shown on the left side of
the bottom line of the menu border.  To use select Change Account
and choose which account you want to activate (1 through 3).  All
the other options such as recording a transaction and reconciling
your account only affect the active account.
────────────────────────────────────────────────────────────────────
/-,
3-,
35
Checkbook Menu
3>
1
INDEX
*-2x<9,,
LIST BY CATEGORY
The List By Category option displays a list of checks charged to the
selected category from the beginning of the year.  The output is
displayed on the screen.  Choosing category 30, ALL CATEGORIES, will
cause all checks for the year to be listed.  This listing excludes
checks entered with the Transfer Check option.
────────────────────────────────────────────────────────────────────
/-,
2-,
35
Checkbook Menu
2>
1
INDEX
*-2x<9,,
PRINT BY CATEGORY
The Print By Category option prints a list of checks charged to the
chosen category from the beginning of the year.  The output is
directed to LPT1.  Choosing category 30, ALL CATEGORIES, will cause
all checks for the year to be printed.  This listing excludes checks
entered with the Transfer Check option.
────────────────────────────────────────────────────────────────────
/-,
2-,
35
Checkbook Menu
2>
1
INDEX
*-.x@9,,
CORRECTIONS
The Corrections section is used to alter checkbook transactions.
After selecting the Corrections option from the Checkbook menu, you
are prompted to chose whether the item is a check or a deposit.  You
are then asked to enter two parts of the transaction in question.
For checks you are asked to enter the check number and the amount.
If the entry was a deposit, you are asked to enter the date and
amount of the deposit.  This is used to locate the incorrect entry.
────────────────────────────────────────────────────────────────────
All related files are searched for the keys specified above.  If a
match is found you are asked to enter the correct data.  The correct
data replaces the previous entry.  All amounts are adjusted to
reflect the change (ie checking balance, expense balance, credit
card balance etc.).
────────────────────────────────────────────────────────────────────
/-,
:-,
35
Checkbook Menu
:>
1
INDEX
*-.x@9,,
RECONCILE ACCOUNT
This option reconciles the active checking account with your bank
statement.  You are asked to enter any interest earned and/or
service charge incurred.  Do NOT use the Enter Check and Enter
Deposit option for entering interest and sercice charges.  Accounts
should be reconciled on a timely basis.  You are allowed 99
outstanding items, after which you are not allowed to enter any more
transactions until the account is reconciled.
────────────────────────────────────────────────────────────────────
Also, if you get a "To Many Unprinted Items" error, you must use the
Print Unprinted option before you will be allowed to reconcile.  You
can only reconcile if the number of unprinted items is less than 98.
This leaves room for the reconciling section to make entries to
record interest earned and service charge incurred, if needed.
────────────────────────────────────────────────────────────────────
/-,
:-,
35
Checkbook Menu
:>
1
INDEX
*-2x=9,,
PRINT UNPRINTED ITEMS
Normally, the Check Register is not printed until 50 items are
accumulated.  However, sometimes you may want or need to print the
Check Register before its normal cycle.  The Print Unprinted option
allows you to do so.  If you get the "Too Many Unprinted Items"
error while trying to reconcile your account, the Print Unprinted
option must be used before you will be allowed to reconcile.
────────────────────────────────────────────────────────────────────
/-,
3-,
35
Checkbook Menu
3>
1
INDEX
*-1x>9,,
ANALYSIS
The Analysis option displays various reports, graphs and charts.
────────────────────────────────────────────────────────────────────
 List by Category    - Table         Net Worth Change  - Table
 Graph by Category   - Bar Chart     Net Worth Pie     - Pie Chart
 Expense Comparison  - Table         Budget Comparison - Table
 Sort Expenses       - Table         Income Comparison - Table
 Net Worth Statement - Table         Income Statement  - Table
 Net Worth Graph     - Bar Chart     Exit              - Master Menu
────────────────────────────────────────────────────────────────────
/82
.-2
48
List by Category
/-
49
Graph by Category
0-
50
Expense Comparison
1-
51
Sort Expenses
2-
52
Net Worth Statement
3-
53
Net Worth Graph
5-
1
INDEX
.Q
54
Net Worth Change
/Q
55
Net Worth Pie
0Q
56
Budget Comparison
1Q
57
Income Comparison
2Q
58
Income Statement
55
24
General Info.
*-2x=9,,
LIST BY CATEGORY
After selecting this option, you are prompted to select either an
expense or income category.  List by Category then displays a month
by month listing of the chosen category.  Included in the list are
the date (month and year), amount, change from last month and the
percent of the change.  In the upper right hand corner is the total
year-to-date amount for the selected category.
────────────────────────────────────────────────────────────────────
/-,
3-,
47
Analysis Menu
3=
1
INDEX
*-3x;9,,
GRAPH BY CATEGORY
This option displays a bar chart depicting the selected category's
expenses or income by month.  On a color monitor, the current years'
bars are shown in red while the previous years' are in blue.
────────────────────────────────────────────────────────────────────
/-,
0-,
47
Analysis Menu
0=
1
INDEX
*-0x?9,,
EXPENSE COMPARISON
This option displays the 30 expense categories, current month's
expense, prior month's expense, year-to-date average expense and the
past 11 months' average expense.  The year-to-date average expense
is the sum of prior months' expenses, excluding the current month,
divided by the number of months involved.
────────────────────────────────────────────────────────────────────
On a color monitor, favorable items are shown in green while
unfavorable items are shown in red.  An item is favorable when the
current month amount is lower than the other amounts shown.  It is
unfavorable when the current month is the highest shown.
────────────────────────────────────────────────────────────────────
/-,
7-,
47
Analysis Menu
7=
1
INDEX
*-3x<9,,
SORT EXPENSES
After selecting this option, a prompt will appear asking whether you
want to sort current month expenses or year-to-date expenses.
Select the option you want displayed.  The expenses will be sorted
in descending order and displayed next to the category description.
────────────────────────────────────────────────────────────────────
/-,
1-,
47
Analysis Menu
1=
1
INDEX
*-3x;9,,
NET WORTH STATEMENT
The Net Worth Statement option displays your net worth statement for
the last two months, the change in net worth and an estimate of your
current net worth.
────────────────────────────────────────────────────────────────────
/-,
0-,
47
Analysis Menu
0=
1
INDEX
*-4x;9,,
NET WORTH GRAPH
Net Worth Graph displays a bar chart based on the past 12 months'
net worth totals.
────────────────────────────────────────────────────────────────────
/-,
/-,
47
Analysis Menu
/=
1
INDEX
*-3x;9,,
NET WORTH CHANGE
This option displays a month by month list of net worth totals.
Included in this list are the date (month and year), net worth for
the month, change from previous month and the percent change.
────────────────────────────────────────────────────────────────────
/-,
0-,
47
Analysis Menu
0=
1
INDEX
*-3x;9,,
NET WORTH PIE
Depending on your hardware, this option will display a pie chart
reflecting the relative percentages of your net worth distribution.
only CGA, EGA and VGA video cards are supported.
────────────────────────────────────────────────────────────────────
/-,
0-,
47
Analysis Menu
0=
1
INDEX
*-2x<9,,
BUDGET COMPARISON
After selecting Budget Comparision, you are given the choice between
a current month or a year-to-date budget comparison.  Both of the
options will display the category name, budgeted amount actual
expenditure and the difference.  Positive differences are favorable
while negative differences are unfavorable.
────────────────────────────────────────────────────────────────────
/-,
2-,
47
Analysis Menu
2=
1
INDEX
*-4x;9,,
INCOME COMPARISON
This option displays a table showing current month's income and
year-to-date income for each of the income categories.
────────────────────────────────────────────────────────────────────
/-,
/-,
47
Analysis Menu
/=
1
INDEX
*-1x>9,,
INCOME STATEMENT
After selecting this option, you are prompted to select the desired
period, current month or year-to-date.  The Income Statement is
broken down into three sections, Income, Expenses and Net Income.
To the right of each section title is the total amount associated
it.  Below each section title are the components making up the above
total.  Under Net Income, depreciation is included as an expense.
Depreciation is the amount Other Assets are written down over the
selected period.
────────────────────────────────────────────────────────────────────
/-,
5-,
47
Analysis Menu
5=
1
INDEX
*-1x=9,,
OTHER ASSETS
The Other Assets section allows you to avoid large swings in net
worth by capitalizing and depreciating expensive durable goods.
────────────────────────────────────────────────────────────────────
 Enter Asset   - Set up a new asset.
 Delete Asset  - Delete an existing asset.
 List Assets   - Display a list of all active assets.
 Print Assets  - Print a list of all active assets.
────────────────────────────────────────────────────────────────────
/1,
/-,
60
Enter Asset
0-
61
Delete Asset
1-
62
List Assets
2-
63
Print Assets
4-
1
INDEX
45
25
General Info.
*-3x;9,,
ENTER ASSET
This option allows you to setup a new asset.  You are prompted to
enter the asset's description, its cost basis (what you paid for it)
and the number of years it will be depreciated (1-5).
────────────────────────────────────────────────────────────────────
/-,
0-,
59
Other Asset Menu
0@
1
INDEX
*-2x<9,,
DELETE ASSET
The DELETE ASSET option removes an asset from the listing before it
is completely depreciated.  To use, select this option and enter the
asset's description.  You only need to enter enough of the
description to make it unique.  The search is not case sensitive.
You will be prompted before the asset is deleted.
────────────────────────────────────────────────────────────────────
/-,
2-,
59
Other Asset Menu
2@
1
INDEX
*-2x<9,,
LIST ASSETS
This option displays a detailed listing of all active assets.  The
listing includes the asset's description, months remaining before it
is fully depreciated, original cost basis, depreciation taken to
date and the assets net value.  Net value is the original cost, less
total depreciation.
────────────────────────────────────────────────────────────────────
/-,
2-,
59
Other Asset Menu
2@
1
INDEX
*-2x<9,,
PRINT ASSETS
This option prints a detailed listing of all active assets.  The
listing includes the asset's description, months remaining before it
is fully depreciated, original cost basis, depreciation taken to
date and the assets net value.  Net value is the original cost, less
total depreciation.
────────────────────────────────────────────────────────────────────
/-,
2-,
59
Other Asset Menu
2@
1
INDEX
*--xA9,,
PORTFOLIO
The PORTFOLIO section keeps track of up to 20 different securities.
────────────────────────────────────────────────────────────────────
 Security      - The name of the security.
 Price         - The current price/share of the security.
 Shares        - The number of shares owned.
 Cost          - The amount you paid for the security.
 Value         - This is Price times Shares (calculated).
 Change        - This is Value less Cost (calculated).
────────────────────────────────────────────────────────────────────
 (/) or (8/2)  Moves cell pointer one space up/down.
 (/) or (6/4)  Moves cell pointer one space right/left.
────────────────────────────────────────────────────────────────────
 (ENTER) Edit/change cell.       │  (F5) Print portfolio.
    (F2) Save changes.           │  (F8) Display pie chart.
    (F4) Reload data from disk.  │ (ESC) Return to Master Menu.
────────────────────────────────────────────────────────────────────
/2/
8-/
65
(ENTER)
90
66
(F2)
:0
67
(F4)
<-
26
General Info.
8P
68
(F5)
9P
69
(F8)
<=
1
INDEX
*-2x<9,,
ENTER/CHANGE CELL
When (ENTER) is pressed, a prompt will appear at the bottom of the
screen requesting new data for the cell the cursor is on.  Key in
the information and press (ENTER) to update the cell.  When entering
a description, the field editing commands described are available
for your use.
────────────────────────────────────────────────────────────────────
/.,
2-,
64
Portfolio Menu
2>
3
Field Editing
2N
1
INDEX
*-4x;9,,
SAVE INFORMATION
Saves the data as shown on the screen.  If you leave MY MONEY
without saving, all changes since the last save will be lost.
────────────────────────────────────────────────────────────────────
/-,
/-,
64
Portfolio Menu
/>
1
INDEX
*-3x;9,,
RELOAD INFORMATION
RELOAD retrieves the last saved data from the disk and displays it
on the screen.  This could be used to retrieve the "real" data after
some "what if" entries.
────────────────────────────────────────────────────────────────────
/-,
0-,
64
Portfolio Menu
0>
1
INDEX
*-4x:9,,
PRINT PORTFOLIO
This option prints a report similar to what is shown on the screen.
────────────────────────────────────────────────────────────────────
/-,
.-,
64
Portfolio Menu
.>
1
INDEX
*-3x;9,,
PORTFOLIO PIE CHART
Depending on your hardware, this option will display a pie chart
reflecting the relative percentages of each security's value.   Only
the CGA, EGA and VGA cards are supported.
────────────────────────────────────────────────────────────────────
/-,
0-,
64
Portfolio Menu
0>
1
INDEX
*-1x=9,,
PRINTOUTS MENU
This option allows you to print various reports.
────────────────────────────────────────────────────────────────────
 Expense By Category - Table        Budget Comparison  - Table
 Expense Comparison  - Table        Income Comparison  - Table
 Net Worth Statement - Table        Income By Category - Table
 Net Worth Change    - Table        Income Statement   - Table
 Sort By Expense     - Table        Exit               - Master Menu
────────────────────────────────────────────────────────────────────
/61
.-1
71
Expense By Category
/-
72
Expense Comparison
0-
73
Net Worth Statement
1-
74
Net Worth Change
2-
75
Sort By Expense
4-
1
INDEX
.P
76
Budget Comparison
/P
77
Income Comparison
0P
78
Income By Category
1P
79
Income Statement
45
32
General Info.
*-2x<9,,
PRINT EXPENSE BY CATEGORY
This option prints a month by month listing of a chosen expense
category.  Included in the list are the date (month and year),
amount of the expense, change from last month and the percent
change.  In the upper right hand corner is the total year-to-date
expense for the selected category.
────────────────────────────────────────────────────────────────────
/-,
2-,
70
Printouts Menu
2>
1
INDEX
*-2x<9,,
PRINT EXPENSE COMPARISON
This option prints the 30 expense categories, current month's
expense, prior month's expense, year-to-date average expense and the
past 11 months' average expense.  The year-to-date average expense
is the sum of prior months' expenses, excluding the current month,
divided by the number of months involved.
────────────────────────────────────────────────────────────────────
/-,
2-,
70
Printouts Menu
2>
1
INDEX
*-4x;9,,
PRINT NET WORTH STATEMENT
This option prints your net worth statement for the last two months,
the change in net worth and an estimate of your current net worth.
────────────────────────────────────────────────────────────────────
/-,
/-,
70
Printouts Menu
/>
1
INDEX
*-3x;9,,
PRINT NET WORTH CHANGE
This option prints a month by month list of net worth totals.
Included in this list are the date (month and year), net worth for
the month, change from previous month and the percent of change.
────────────────────────────────────────────────────────────────────
/-,
0-,
70
Printouts Menu
0>
1
INDEX
*-3x<9,,
PRINT SORTED EXPENSES
After selecting this option, a prompt will appear asking whether you
want to sort current month expenses or year-to-date expenses.
Select the desired option.  The expenses will be sorted in
descending order and printed next to the category description.
────────────────────────────────────────────────────────────────────
/-,
1-,
70
Printouts Menu
1>
1
INDEX
*-3x<9,,
PRINT BUDGET COMPARISON
This option gives you the choice of printing a comparison of current
month expenditures to budget or year-to-date expenditures to budget.
Positive differences are favorable while negative ones are
unfavorable.
────────────────────────────────────────────────────────────────────
/-,
1-,
70
Printouts Menu
1>
1
INDEX
*-4x;9,,
PRINT INCOME COMPARISON
This option prints a table showing current month's income and
year-to-date income for each of the income categories.
────────────────────────────────────────────────────────────────────
/-,
/-,
70
Printouts Menu
/>
1
INDEX
*-2x<9,,
PRINT INCOME BY CATEGORY
This option prints a month by month listing of a chosen income
category.  Included in the list are the date (month and year),
income amount, change from last month and the percent of the change.
In the upper right hand corner is the total year-to date amount for
the selected category.
────────────────────────────────────────────────────────────────────
/-,
2-,
70
Printouts Menu
2>
1
INDEX
*-1x>9,,
PRINT INCOME STATEMENT
After selecting this option, you are prompted to select the desired
period, current month or year-to-date.  The Income Statement is
broken down into three sections, Income, Expenses and Net Income.
To the right of each section title is the total amount associated
with that particular section.  Below each section title are the
components making up the above total.  Under Net Income,
depreciation is included as an expense.  Depreciation is the amount
Other Assets are written down over the selected period.
────────────────────────────────────────────────────────────────────
/-,
5-,
70
Printouts Menu
5>
1
INDEX
*-1x>9,,
SETUP MENU
This menu allows you to change various settings in MY MONEY.  Please
refer to the manual (MM.DOC) for detailed initial installation
instructions.  Information is available for the following:
────────────────────────────────────────────────────────────────────
 Net Worth Categories            Variables
 Expense Categories              Reset Net Worth Date
 Income Categories               Reset Backup Date
 Set Colors                      Exit - Return to the Master Menu
────────────────────────────────────────────────────────────────────
/40
0-0
82
Net Worth Categories
1-
83
Expense Categories
2-
84
Income Categories
3-
81
Set Colors
5-
1
INDEX
0M
85
Variables
1M
95
Reset Net Worth Date
2M
96
Reset Backup Date
55
30
General Info.
*-.xA9,,
SELECT COLORS
You set MY MONEY's colors from the Setup Menu (Set Color option) or
by running MM-CFG.EXE.
────────────────────────────────────────────────────────────────────
Use the up () and down () arrows to select which item to change.
Use the left () and right () arrows to change the color of the
highlighted item.  Sample screens are provided to let you view your
selections.  See below for other valid commands.
────────────────────────────────────────────────────────────────────
    (D) - Toggle through various default settings.
   (F2) - Save the displayed colors as the default colors.
  (ESC) - Exit program, prompted to save.
────────────────────────────────────────────────────────────────────
The changes do not take effect until after MY MONEY is exited then
restarted.
────────────────────────────────────────────────────────────────────
/-,
;-,
80
Setup Menu
;:
1
INDEX
*-3x;9,,
NET WORTH CATEGORIES
This option will let you change the description or delete any of the
user defined net worth categories (5-19).  To delete a description
enter an asterisk (*) as the description and press enter.
────────────────────────────────────────────────────────────────────
/-,
0-,
80
Setup Menu
0:
1
INDEX
*-4x;9,,
EXPENSE CATEGORIES
This option will let you change the description of any of the user
defined expense categories (1-28).
────────────────────────────────────────────────────────────────────
/-,
/-,
80
Setup Menu
/:
1
INDEX
*-3x;9,,
INCOME CATEGORIES
This option will let you change the description or delete any of the
user defined income categories (1-9).  To delete a description enter
an asterisk (*) as the description and press enter.
────────────────────────────────────────────────────────────────────
/-,
0-,
80
Setup Menu
0:
1
INDEX
*--xB9,,
VARIABLES
This option allows you to change several key variables.  To change a
variable use the (8) and (2) keys, or the up and down arrow, to move
the cursor next to the item you want to change.  Press (ENTER) to
select the item and key in the new data.  Most items will not need
to be altered after the initial setup.  CHECKING BALANCE, ENDING
BALANCE FROM LAST BANK STATEMENT and NEXT CHECK REGISTER PAGE TO BE
PRINTED relate to the active checking account, as shown at the top
center of this window.  To change the active checking account use
CHANGE ACCOUNT option in the CHECKBOOK section.  Additional
information is available on the following topics:
────────────────────────────────────────────────────────────────────
   Charges Outstanding          │      Outstanding Items
   Checking Balance             │      Unprinted Items
   Ending Balance               │      Backup
   Next Check Page              │      Password
   Last Month Used              │      Swap
────────────────────────────────────────────────────────────────────
/71
7/1
86
Charges Outstanding
8/
87
Checking Balance
9/
88
Ending Balance
:/
89
Next Check Page
;/
90
Last Month Used
=-
80
Setup Menu
7S
91
Outstanding Items
8S
92
Unprinted Items
9S
93
Backup
:S
94
Password
;S
14
Swap
=:
1
INDEX
*-4x;9,,
CHARGES OUTSTANDING
Enter in this field the total credit card balance outstanding.  This
amount should include all credit card balances.
────────────────────────────────────────────────────────────────────
/-,
/-,
85
Variables
/8
1
INDEX
*-3x;9,,
CHECKING BALANCE
Enter into this field the current balance of the active checking
account.  The active account is displayed at the top-center of this
window, and can be changed in the CHECKBOOK section.
────────────────────────────────────────────────────────────────────
/-,
0-,
85
Variables
08
1
INDEX
*-3x;9,,
ENDING BALANCE FROM LAST BANK STATEMENT
The balance shown on your last bank statement for the active
account.  This is used in conjunction with the RECONCILE ACCOUNT
option in the CHECKBOOK menu.
────────────────────────────────────────────────────────────────────
/-,
0-,
85
Variables
08
1
INDEX
*-4x:9,,
NEXT CHECK REGISTER PAGE TO BE PRINTED
The next page number to be printed for the active account.
────────────────────────────────────────────────────────────────────
/-,
.-,
85
Variables
.8
1
INDEX
*-4x;9,,
LAST MONTH USED
Number of last month used (1-12).  Used to determine when net worth
should be updated.  Normally you should never need to change this.
────────────────────────────────────────────────────────────────────
/-,
/-,
85
Variables
/8
1
INDEX
*-4x;9,,
COUNT OF OUTSTANDING ITEMS
The number of items, plus one, outstanding between you and the
bank.  Normally you should never need to change this item.
────────────────────────────────────────────────────────────────────
/-,
/-,
85
Variables
/8
1
INDEX
*-3x;9,,
COUNT OF UNPRINTED ITEMS
The number of unprinted items, plus one.  Fifty transactions are
accumulated, printed, then this item is reset.  Normally you should
never need to change this item.
────────────────────────────────────────────────────────────────────
/-,
0-,
85
Variables
08
1
INDEX
*-2x<9,,
BACKUP TO DISK DRIVE
The disk drive (A:\ or B:\) where the data files are written during
a backup.  On the bottom right side of the Master Menu is an
indicator that displays the number of days since the data files were
last backed up.  To backup up data select BACKUP from the Master
Menu.  Note only data is backed up and none of the program files.
────────────────────────────────────────────────────────────────────
/-,
2-,
85
Variables
28
1
INDEX
*-3x;9,,
PASSWORD
Optional password protection.  If anything other than PASSWORD is
entered in this field, you are required to enter the password before
using MY MONEY.
────────────────────────────────────────────────────────────────────
/-,
0-,
85
Variables
08
1
INDEX
*-3x;9,,
RESET NET WORTH DATE
Each time MY MONEY is started it compares the current date to the
last used date.  If the current date is after the last used date and
is in a different month, the update net worth module is executed.
────────────────────────────────────────────────────────────────────
/-,
0-,
80
Setup Menu
0:
1
INDEX
*-3x;9,,
RESET BACKUP DATE
The BACKUP indicator on the Master Menu displays the number of days
since the data files were last backed up.  This option resets that
number to zero without backing up the data files.
────────────────────────────────────────────────────────────────────
/-,
0-,
80
Setup Menu
0:
1
INDEX
*--xB9,,
FINANCIAL CALCULATOR
The financial calculator displays six input fields:
────────────────────────────────────────────────────────────────────
          Periods - The number of time periods.
    Interest Rate - Interest rate per period.
          Payment - The amount paid or received each period.
    Present Value - Amount borrowed or deposited.
     Future Value - Amount available at the end of the term.
           Equity - Amount invested or down payment.
────────────────────────────────────────────────────────────────────
  The financial calculator accepts the following commands:
────────────────────────────────────────────────────────────────────
  () Cursor up.              (*) Calculate item, same as (TAB).
  () Cursor down.          (TAB) Calculate item, same as (*).
  (C) Clear all items.    (ENTER) Select item to be changed.
 (F2) Save data.            (F10) Display amortization schedule.
 (F4) Load data.            (ESC) Exit to MASTER MENU.
────────────────────────────────────────────────────────────────────
/4,
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98
Periods
/0
102
Interest Rate
062
106
Payment
106
109
Present Value
219
113
Future Value
373
116
Equity
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Amort. Sch.
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PERIODS
The number of time periods that interest is calculated. (i.e. for
a 30 year mortgage with monthly payments this would be 360.  30
years x 12 payments per year.)
────────────────────────────────────────────────────────────────────
Interest Rate must be entered for all period calculations.
────────────────────────────────────────────────────────────────────
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Example 1
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Example 2
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Example 3
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PERIOD - Example 1
   Calculated    P >         9.01        This calculates how long
   Input         I *         8.00 %      it takes for PV to grow
                PY                       to FV at interest rate I.
   Input        PV *       500.00
   Input        FV *     1,000.00
                EQ
────────────────────────────────────────────────────────────────────
If $500 is deposited today in an account earning 8% interest, it
will take 9.01 years for it to grow to $1,000.
────────────────────────────────────────────────────────────────────
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PERIOD - Example 2
   Calculated    P >         4.78        This calculates how long it
   Input         I *         8.00 %      takes for PV to grow to FV
   Input        PY *        50.00        at interest rate I, when
   Input        PV *       500.00        payment of PY is deposited
   Input        FV *     1,000.00        at the end of each period.
                EQ
────────────────────────────────────────────────────────────────────
If you open an account with $500 that earns 8%  interest and at the
end of each subsequent year you  deposit $50, in 4.78 years you will
have accumulated $1,000.
────────────────────────────────────────────────────────────────────
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PERIOD - Example 3
   Calculated    P >        20.91        If PV is deposited where it
   Input         I *         8.00 %      will earn interest rate I,
   Input        PY *        50.00        this will calculate how
   Input        PV *       500.00        many periods a payment of
   Input        FV                       PY can be withdrawn before
                EQ                       PV is depleted.
                EQ
────────────────────────────────────────────────────────────────────
If you deposit $500 in an account earning 8% interest and you
withdraw $50 dollars at the end of each subsequent year, it will
take 20.91 years  until the account is totally depleted.
────────────────────────────────────────────────────────────────────
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INTEREST RATE
The annual interest rate stated in the same terms as the PERIOD.
(i.e. if your annual interest rate is 10% and you are making monthly
payments then then this would be .83333%, 10% divided by 12
months.)
────────────────────────────────────────────────────────────────────
Period must be entered for all interest calculations.
────────────────────────────────────────────────────────────────────
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Example 2
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INTEREST - Example 1
   Input         P *        10.00        This calculates the
   Calculated    I >         7.18 %      periodic interest rate
                PY                       needed for PV to grow to
   Input        PV *       500.00        FV in P periods.
   Input        FV *     1,000.00
                EQ
────────────────────────────────────────────────────────────────────
In order for $500 to grow to $1,000 in 10 years, you must earn 7.18%
interest a year.
────────────────────────────────────────────────────────────────────
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INTEREST - Example 2
   Input         P *        10.00        This calculates the
   Calculated    I >         6.43 %      periodic interest rate
   Input        PY *         5.00        needed for PV to grow to
   Input        PV *       500.00        FV in P periods, when PY is
   Input        FV *     1,000.00        added at the end of each
                EQ                       period.
────────────────────────────────────────────────────────────────────
If you deposit $500 now and $5 each year thereafter for 10 years, an
interest rate of 6.43% would be needed for you to have $1,000 in 10
years.
────────────────────────────────────────────────────────────────────
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INTEREST - Example 3
   Input         P *       360.00        This calculates the
   Calculated    I >         1.00 %      periodic interest rate
   Input        PY *       874.32        needed repay PV in P equal
   Input        PV *    85,000.00        payments of PY.
                FV
                EQ
────────────────────────────────────────────────────────────────────
If you want to borrow $85,000 for 30 years (360 months) with monthly
payments of $874.32, you will need to secure a loan at 12% interest
(1% per month).
────────────────────────────────────────────────────────────────────
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PAYMENT
The amount paid or received at the end of each period.
────────────────────────────────────────────────────────────────────
Period and interest must be entered for all payment calculations.
────────────────────────────────────────────────────────────────────
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Example 2
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PAYMENT - Example 1
   Input         P *       360.00        If PV is borrowed for P
   Input         I *         1.00 %      periods at I interest rate,
   Calculated   PY >       874.32        this will calculate the
   Input        PV *    85,000.00        payment.
                FV
                EQ
────────────────────────────────────────────────────────────────────
If you purchase a house by borrowing $85,000 for 30 years (360
months) at 12% interest (1% per month), your monthly payment would
be $874.32.
────────────────────────────────────────────────────────────────────
Pressing (F10) after calculating PY, will display the amortization
schedule for this loan.  To calculate an accurate amortization
schedule, you should enter the down-payment as equity.
────────────────────────────────────────────────────────────────────
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PAYMENT - Example 2
   Input         P *        10.00        This calculates the payment
   Input         I *         8.00 %      period needed at the end of
   Calculated   PY >       541.27        each  for PV to grow to FV
   Input        PV *     1,000.00        in P periods when the
   Input        FV *    10,000.00        interest rate is I.  As a
                EQ                       variation PV can be zero.
────────────────────────────────────────────────────────────────────
If you deposit $1,000 into an account earning 8% interest for ten
years, you would need to deposit $541.27 at the end of each year in
order for it to grow to $10,000 in ten years.
────────────────────────────────────────────────────────────────────
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PRESENT VALUE
In the case of a loan, present value is what is borrowed.  For an
investment, present value is the money put up front in hopes of
future earnings.
────────────────────────────────────────────────────────────────────
Period and interest rate must be entered for all present value
calculations.
────────────────────────────────────────────────────────────────────
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Example 2
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Example 3
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PRESENT VALUE - Example 1
   Input         P *        10.00        This calculates what FV is
   Input         I *         8.00 %      worth today if it is to be
                PY                       paid P periods in the
   Calculated   PV >       463.19        future at a known interest
   Input        FV *     1,000.00        rate of I.
                EQ
────────────────────────────────────────────────────────────────────
If you want to withdraw $1,000 ten years from now from an account
earning 8% interest, you would need to deposit $463.19 today.
────────────────────────────────────────────────────────────────────
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PRESENT VALUE - Example 2
   Input         P *        10.00        This calculates the present
   Input         I *         8.00 %      value PV of receiving
   Input        PY *        50.00        payments of PY for P
   Calcualted   PV >       335.50        periods at an interest rate
                FV                       of I.
                EQ
────────────────────────────────────────────────────────────────────
If you wanted to withdraw $50 a year for the next 10 years from an
account earning 8% interest, you would need to deposit $335.50
today.
────────────────────────────────────────────────────────────────────
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PRESENT VALUE - Example 3
   Input         P *        10.00        If you want to withdraw FV
   Input         I *         8.00 %      at the end of P periods
   Input        PY *        50.00        from an account earning I
   Calculated   PV >       127.69        interest, you must deposit
   Input        FV *     1,000.00        PV today and PY at the end
                EQ                       of each period.
────────────────────────────────────────────────────────────────────
If you wanted to withdraw $1,000 in 10 years from an account earning
8% interest, you would need to deposit $127.69 today and $50 at the
end of each of the next 10 years.
────────────────────────────────────────────────────────────────────
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FUTURE VALUE
This is the amount of money that is to be withdrawn at the end of
the defined periods.
────────────────────────────────────────────────────────────────────
Period and interest rate must be entered for all future value
calculations.
────────────────────────────────────────────────────────────────────
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Example 1
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Example 2
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FUTURE VALUE - Example 1
   Input         P *        10.00        This will calculate what PV
   Input         I *         8.00 %      will grow to in P periods
   Input        PY *                     at an interest rate of I.
   Calculated   PV >       500.00
   Input        FV *     1,079.46
                EQ
────────────────────────────────────────────────────────────────────
If you deposit $500 into an account earning 8% interest, in 10 years
it will grow to $1,079.46.
────────────────────────────────────────────────────────────────────
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FUTURE VALUE- Example 2
   Input         P *        10.00        This calculates what PV
   Input         I *         8.00 %      will grow to if payments of
   Input        PY *        50.00        PY are added at the end of
   Calculated   PV >       500.00        each P periods to an
   Input        FV *     1,803.79        account earning an interest
                EQ                       rate of I.  As a variation
                                         PV can be zero.
────────────────────────────────────────────────────────────────────
If you deposit $500 into an account earning 8% interest and $50 at
the end of each year, in 10 years it will grow to $1,803.79.
────────────────────────────────────────────────────────────────────
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EQUITY
For a fixed rate loan, equity is the down payment.  In the case of a
variable rate loan, it is the last number shown in the Equity column
of the amortization schedule prior to the loan's reevaluation.
────────────────────────────────────────────────────────────────────
The equity field can not be calculated and is not needed for any of
the other field's calculations.  It is provided so the amortization
schedule will display accurate equity information.
────────────────────────────────────────────────────────────────────
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BUDGET
After selecting the Budget option from the Master Menu, the current
month's budget will appear on the screen.  The total budgeted amount
for the 28 categories is displayed in the upper right hand corner.
Notice that two categories, "Credit Cards" and "All Categories",
have been omitted.  The "Credit Cards" category is a clearing
account for when your bill is paid, and like "All Categories", is
not a true expense category.
────────────────────────────────────────────────────────────────────
   (4) Previous  - Display the previous month.
   (6) Next      - Display the next month.
   (8) Change    - Change displayed data.
   (+) Full year - Display budget for full year.
   (2) Clear     - Clear budget amounts.
 (ESC) Exit      - Save changes and return to the Master Menu.
────────────────────────────────────────────────────────────────────
/22
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118
Previous
538
118
Next
638
119
Change
739
120
Full year
830
121
Clear
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General Info.
;=
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*-2x<9,,
PREVIOUS/NEXT MONTH
Pressing (4) will display the previous month's budget.  Hold the key
down to scan backwards through the months.
────────────────────────────────────────────────────────────────────
Option (6) will display next month's budget.  Hold the key down to
scan forward through the months.
────────────────────────────────────────────────────────────────────
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CHANGE BUDGET DATA
To alter a displayed budget number, select (8), choose the
appropriate category and enter the new amount.  You are given the
option to change all months.  Answering "Y" will set each month's
budgeted amount, in the chosen category, to the entered value.  To
alter amounts in another month use options (4) and (6) to display
the desired month.
────────────────────────────────────────────────────────────────────
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FULL YEAR BUDGET
This option displays the full year's budget.  It is merely a sum of
each of the twelve months for each category.
────────────────────────────────────────────────────────────────────
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CLEAR BUDGET
This option gives you the choice of clearing (resetting to zero) the
displayed month or the entire year.
────────────────────────────────────────────────────────────────────
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AMORTIZATION SCHEDULE
The amortization schedule is integrated in with the financial
calculator.  To use select the FIN. CALC. option from the MASTER
MENU.  This will display the financial calculator.  (F10) will
display the amortization schedule.  However, you can not invoke the
amortization schedule unless the proper data has been entered into
the financial calculator.
────────────────────────────────────────────────────────────────────
The following keys are valid while using the amortization schedule:

             (HOME)  Displays page 1.
              (END)  Displays the last page.
             (PgUp)  Displays previous page.
             (PgDn)  Displays the next page.
                (P)  Prints the amortization schedule.
              (ESC)  Returns you to the financial calculator.
────────────────────────────────────────────────────────────────────
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*--xA9,,
AMORTIZATION SCHEDULE - GENERAL pg. 1
All loan payments consist of principal and interest.  The interest
portion is determined by the amount of your outstanding balance.
Your outstanding balance is also the loan "Payoff".  Most payments
are a regular amount each period.  As the balance is reduced, a
smaller portion of your payment goes to paying interest on the loan.
────────────────────────────────────────────────────────────────────
Let us say you are making monthly payments on a fixed rate home
loan.  By paying next month's principal with this month's payment,
you will save the interest on next month's payment and reduce the
duration of the loan by an extra month. Doubling up payments on a
variable rate loan provides a different benefit.   In most
instances, the term of a variable rate loan is set by contract.
Therefore, doubling up payments on a variable rate loan does not
shorten the life of the loan, but instead lowers the payment when
the loan is reevaluated.
────────────────────────────────────────────────────────────────────
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AMORTIZATION SCHEDULE - GENERAL pg. 2
Nearly all loans allow for the early payment of principal without
the borrower incurring a penalty.  Check with your lender or read
your loan agreement to determine if prepayments are allowed on your
loan.
────────────────────────────────────────────────────────────────────
For our purposes here escrow payments should be ignored.  Escrow
accounts are commonly set up to pay third-party obligations, such as
taxes and insurance.  The lender adds an additional amount to your
regular payment, places that money into the escrow account and then
pays the obligation when it is due.  It does not affects your loan
balance.
────────────────────────────────────────────────────────────────────
For a comprehensive example, please refer to the Amortization
section of the manual (SR.DOC).
────────────────────────────────────────────────────────────────────
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UPDATE NET WORTH pg. 1
Each time MY MONEY is started it compares the system date with the
last used date, and if the date is in a new month, the UPDATE NET
WORTH module is automatically executed.  If your computer does not
have a real time clock installed, you should set the date before
running MY MONEY.  See the DATE command in your DOS manual.
────────────────────────────────────────────────────────────────────
Since the net worth update is initiated by the changing into a new
month, it is good idea to use MY MONEY as close as possible to the
first of the month.  When the month changes, your net worth is
updated and stored as the prior month's net worth.  For example, on
May 1st when MY MONEY is run for the first time, you will update
your net worth and the information will be stored as April's net
worth data.
────────────────────────────────────────────────────────────────────
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UPDATE NET WORTH pg. 2
After you enter cash on hand, the user-defined net worth categories
are updated.  This is accomplished by asking if last month's amount
is still correct.  If it is, you move on to the next category, else,
you are asked to enter the correct amount.
────────────────────────────────────────────────────────────────────
Several of the categories, such as checking, charges outstanding,
portfolio and other assets are updated for you automatically.
────────────────────────────────────────────────────────────────────
Once all the information is entered, category descriptions and
amounts are displayed, and you are asked if the information is
correct.  If it is, the month-end reports are printed.  Answering no
will start the process over again.
────────────────────────────────────────────────────────────────────
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UPDATE NET WORTH pg. 3
Each month a net worth summary along with the current month's income
statement is printed.  At year-end an additional report showing a
year-to-date income statement is printed.
────────────────────────────────────────────────────────────────────
Since updating your net worth changes so many items, it is a good
idea to backup your data at the end of each month prior to the
update.
────────────────────────────────────────────────────────────────────
If you are not prepared to update your net worth, the opening screen
gives you the option to exit the program or change the date.  You
can back-date into the prior month and control will return to the
MASTER MENU.  Please note that back-dating into a prior month will
cause all transactions entered to be recorded in that month.
────────────────────────────────────────────────────────────────────
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YEAR-END NET WORTH UPDATE pg. 1
The year-end net worth update is slightly different than other
months.  In addition to your regular update, an archive of last
year's records is created.
────────────────────────────────────────────────────────────────────
When the month changes from December to January, a message is
displayed stating you should have two EXACT copies of your MY MONEY
disk.  If you do not, stop here by pressing (ESC) and make an
additional copy (or two, an extra copy as a backup never hurt).  One
disk will serve as last year's record and the  other as the new
year's working disk.  DOS's DISKCOPY or COPY command should be used
to create the copies.  The BACKUP option in the MASTER MENU is not
sufficient since it only copies the data files.
────────────────────────────────────────────────────────────────────
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YEAR-END NET WORTH UPDATE pg. 2
Each year-end when you update net worth for the last time, you
should do it using floppies instead of your hard disk.  When the
month changes from December to January, a message will be displayed
letting you know you should have two EXACT copies of your MY MONEY
disk.  At this point press (ESC) to exit MY MONEY.  Make two EXACT
copies of your \MYMONEY directory.  One copy will serve as last
year's archive, while the other will be next year's  working copy.
The following series of commands from your DOS prompt will do it:
────────────────────────────────────────────────────────────────────
           CD\MYMONEY         (ENTER)
           COPY *.* A:        (ENTER)
────────────────────────────────────────────────────────────────────
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YEAR-END NET WORTH UPDATE pg. 3
Insert the second disk and type the following:

           COPY *.* A:        (ENTER)
           A:                 (ENTER)
           MM                 (ENTER)
────────────────────────────────────────────────────────────────────
You are now ready to update your net worth.  After doing so you will
want to copy the new year's working disk into your \MYMONEY
directory.  To do so insert the new year's working disk into drive A
and type the following from your DOS prompt:
────────────────────────────────────────────────────────────────────
           C:                 (ENTER)
           CD\MYMONEY         (ENTER)
           COPY A:*.*         (ENTER)
────────────────────────────────────────────────────────────────────
MY MONEY may now be run from your hard disk.
────────────────────────────────────────────────────────────────────
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*--xB9,,
DELETE SAMPLE DATA
The shareware version of MY MONEY is shipped with demonstration
data.  The sample data allows you to look at a full system with data
in all periods.  Since some charts and tables will not display
without data in more that one period, this allows you to immediately
preview all the features in MY MONEY.
────────────────────────────────────────────────────────────────────
Some things you might want to try:
 - Enter some checks and deposits; Other Assets and securities.
 - Work through some examples in the Financial Calculator.
 - Change the month into a future period and see how months are
   closed out.
 - Change the month to January and see how a year is closed out.
────────────────────────────────────────────────────────────────────
Once you are ready to ready to enter your real data, select "Yes" in
response to the "Delete sample data prompt?", or you can kill all
data by pressing (CTRL-K) from the Master Menu.
────────────────────────────────────────────────────────────────────
/,,
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~~
