IMD 1.16: 29/05/2007 18:39:18 FOGCPM.068 --FOGCPM068README CHXASSTS TUT ASSTS XQTBNKST TUT CASH TUT CASH XQT CHKLST TUT CHNGS TUTCHNGS XQTCHX TUTCHX XQTCHXOPS CAL !"#$%&CHXOPS CAL'()-06-00 86 CHXOPSOVCALF*+,-./012CLOZOPENTUT345CLOZOPENXQT6CRCRDS CALH789:;<=>?CRDFWD TUT@ACRDFWD XQTBCRDS TUT CDCRDS XQTEDEP TUTFDEP XQTGEARN TUT HIEARN XQTJEXP TUTKLMEXP XQTNFF TUT OPFF XQTQLIAB TUTRSLIAB XQTTMNTH1 TUTUMNTH1 XQTVMNTH2 XQTWOPSTRBL TUT XYOPSTRBL XQTZOV01 TUT;[\]^_`abOVEX TUT4cdefghiRPT1 XQTjRPT2 XQTkRPTS TUTlmSAVE TUT noSUMCRDS TUT pqSUMCRDS XQTrTRBL TUT stTRBL XQTuTYPES TUTvwCALENDARCALxyz{|}~CALENDARCALD-CPM068 DOC!CALENDARDOCLOANCOMPCALLOANCOMPCAL&LOANCOMPRTNThis is the disk name.  WELCOME TO CHECK RECORDS AND FINANCIAL OPERATIONS SUMMARY -- CHXOPS .CAL ABSTRACT This set of files enables one to keep a combined MONTHLY CHECK RECORD and a FINANCIAL OPERATING SUMMARY simultaneously whenever any bank transactions are entered. The logic of this program can be learned by just studying the worksheet which was developed using SuperCalc {SC}. (SuperCalc is required unless the worksheet is rewritten to another format such as Lotus l 2 3). Each month's check record need only be calculated when your Bank Statement arrives. When overdrafts are a consideration, the program can be loaded and recalculated as many times as you choose. A PROJECTION file, in addition to this set is designed to Load (combine) portions of FINANCIAL OPERATING data with estimated future changes to enable you to forecast upcoming financial situations. PRINTING THE REPORTS Compressed print may be used for the combined report `MONTHLY CHECK RECORD & FINANCIAL OPERATING SUMMARY' on 8 1/2 * 11" paper. Portions may also be printed separately using normal print. ASSUMPTIONS: 1) SuperCalc (SC) is being used. 2) User has at least a little familiarity with SC commands. 3) when in doubt, the `/?' command can be used to show command options. 4) User knows `/X' can execute files with extensions other than `.XQT' CONSTRAINTS: A. `/Global,Manual' should remain activated. Otherwise, both time, and accurate results will be sacrificed by automatic recalculation after each entry. B. The toggle `/GNext' must be in the OFF mode. The automatic cursor advancement after each entry, can move it to the wrong place. C. Certain transient data cells should be left unprotected, unless they contain repeatable material for next month's worksheet file. TO BEGIN: For orientation, either load the file named "CHXOPSOV.CAL" or "CHXOPS.CAL" and then /Xecute "OV01.TUT" or "OVEX.TUT" for a general overview of the worksheet. For a list of tutorials to lead you through the various procedures, /Xecute "CHKLST.TUT" Glen Stinnett 2124O Canyon View Drive Saratoga, CA 95O7O Phone: (4O8) 867-O972  2124O Canyon View Drive activated. Otherwise, both time, and accurate results will be sacrificed by automatic recalculation after each entry. B. The toggle `/GNext' must be in the OFF mode. The automatic cursor advancement after each entry, can move it to the wrong place. C. Certain transient data cells should be left unprotected, unless they contain repeatable material for n /WC/TC=K25,=K5,/TB=N6 /WV/WS/UAA,/BAA1:AA24,=AA6,/FC,36 =AA1 ,"/WC/TC=K25,=K5,/TB=N6,/WV/WS =AA2 ,"/UAA,/BAA1:AA24,=AA6,/FC,36,[TXT] =AA3 ,"=AA5,/TH ; =K25,=K5,/TB=L6, =AA4 ,"/UL7:L19,=L7, =AA5 ,"`ASSTS.TUT' IS FOR `OPENING' VALUES. =AA6 ,"OMIT THIS TUTORIAL IN FUTURE MONTHS. =AA7 ,"IF DATA ALREADY EXISTS, /Protect `L' =AA8 ," =AA9 ,""CATEGORY", "OPENING" AND "CHANGES" =AA10,"WORK AREAS ARE SHOWN BY A WINDOW, =AA11,"AND THE CURSOR IS SET FOR AN ENTRY! =AA12," =AA13,"ENTER HYPOTHETICAL, APPROXIMATE OR =AA14,"EXACT DATA FOR YOUR ASSETS, CHANGE =AA15,"THE TEXT IN COLUMN K.(Try`=K7') =AA16,"KEEP IN MIND THAT `FORMULA' CELLS =AA17,"LIKE M7 RECEIVE DATA FROM SPECIFIC =AA18,"RELATED CELLS, SO IF ONE "CATEGORY" =AA19,"ITEM IS CHANGED, THE COLUMN `M' CELL =AA20,"REALLY SHOULD BE INSPECTED, AND ITS =AA21,"SOURCE CELL CHECKED FOR VALIDITY. =AA22,"THEN: /Protect COLUMNS K & L, =AA23," CALCULATE ! ! THE RESULTS. =AA24," TRY /X LIAB OR `LIAB.TUT' - OKAY? =AA5, /TH ; =K25,=K5,/TB=L6, /UL7:L19,=L7,  =AA6 ,"OMIT THIS TUTORIAL IN FUTURE MONTHS. =AA7 ,"IF DATA ALREADY EXISTS, /Protect `L' =AA8 ," =AA9 ,""CATEGORY", "OPENING" AND "CHANGES" =AA10,"WORK AREAS ARE SHOWN BY A WINDOW, =AA11,"AND THE CURSOR IS SET FOR AN ENTRY! =AA12," =AA13,"ENTER HYPOTHETICAL, APPROXIMATE OR =AA14,"EXACT DATA FOR YOUR ASSETS, CHANGE =AA15,"THE TEXT IN COLUMN K.(Try`=K7') =AA16,"KEEP IN MIND THAT `FORMULA' CELLS =AA17,"LIKE M7 RECEIVE DATA FROM SPECIFIC =AA18,"RELATED CELLS, SO IF ONE "CATEGORY" =AA19,"ITEM IS CHANGED, THE COLUMN `M' CELL =AA20,"REALLY SHOULD BE INSPECTED, AND ITS =AA21,"SOURCE CELL CHECKED FOR VALIDITY. =AA22,"THEN:  /WC/TC=K25,=K5,/TB=L6,/UL7:L19,=L7, /UAA,/BAA,/WC/TC=G30,=G5,=K5,/TH/WV =AA2, "/UAA/BAA,/WC/TC=G30,=G5,=K5, =AA3, "/TH/WV [TXT] =AA30, ; =G31, =I32 =AA30," * BALANCING BANK STATEMENT * =AA31,"BNKST.TUT is for use with Bank Statement =AA32," at hand. Enter its "BSEndgBal: in I 32. =AA33,"Enter CELLS of Chx Outstanding: in I 32, =AA34,"& CELLS of Deposits Outstanding: in I 34. =AA35,"Any discrepancy is !calculated for >YOU< =AA36,"to troubleshoot: Inspect the CELLS that =AA37,"fed data to Subtotal: in CELL I 35 -- =AA38," 1) Is I 32 (BSEndgBal:) REALLY correct? =AA39," 2) Are ChxOutstndg: CELLS correct ? =AA40," (the proper COL C CELLS) =AA41," 3) ARE DEPOSITSOUT: cells correct ? =AA42," (the proper COL I CELLS) =AA43," 4) Does OPEN'G BAL:$ (see CELL I 5) = =AA44," LastMnth's CLOSING BAL:$ (the result =AA45," in CELL L 7) ? =AA46,"***** That should work, but... ***** =AA47,"IF >MY< Dscrpnc!: is NOT 0.00 /Save =AA48,"worksheet to a temporary filename for =AA49,"refiguring and: TAKE A BREAK - OKAY =AA50," or IF you want to proceed, =AA52," try /X CASH.TUT =AA53," =AA54," =AA55," =AA30, ; =G31,=I32, al: in I 32. =AA33,"Enter CELLS of Chx Outstanding: in I 32, =AA34,"& CELLS of Deposits Outstanding: in I 34. =AA35,"Any discrepancy is !calculated for >YOU< =AA36,"to troubleshoot: Inspect the CELLS that =AA37,"fed data to Subtotal: in CELL I 35 -- =AA38," 1) Is I 32 (BSEndgBal:) REALLY correct? =AA39," 2) Are ChxOutstndg: CELLS correct ? =AA40," (the proper COL C CELLS) =AA41," 3) ARE DEPOSITSOUT: cells correct ? =AA42," (the proper COL I CELLS) =AA43," 4) Does OPEN'G BAL:$ (see CELL I 5) = =AA44," LastMnth's CLOSING BAL:$ (the result =AA45," in CELL L 7) ? =AA46,"***** That should work, but... ***** =AA47,"IF >MY< Dscrpnc!: is NOT 0.00 /Save =AA48,"worksheet to a temporary filename for =AA49," /UAA,/BAA,/WC/TC/FCAA,21 =B22,=B2,=G5,/WV =AA1 ,"/UAA,/BAA,/WC/T =AA2 ,"/FCAA,21,=B22,=B2,=G5, =AA3 ,"/VW[TXT]/WS;=G47,=I47, =AA47,"IN CELLS I47:I62 =AA48,"ENTER APPROXIMATE =AA49,"VALUES OF CASH =AA50,"EXPENDITURES. =AA51,"THEIR SUM, IS SHOWN =AA52,"IN CELL I65. NOTE: =AA53,"CURSOR LEFT TO VIEW =AA54,"COLUMN D, CELL D64. =AA55,"CASH DISBURSED TO =AA56,"`ASSTS' OR `LIAB' =AA57,"MUST BE FED TO F64. =AA58,"IF CashDscrp IN F65 =AA59,"is NOT 0.00, CURSOR =AA60,"RIGHT TO GET COLUMNS =AA61,"I & K IN VIEW, AND =AA62,"REFINE VALUES IN =AA63,"I47:I62 BY TYPE OF =AA64,"EXPENSE & !CALCULATE =AA65,"AGAIN UNTIL CELL F65 =AA66," SHOWS =AA67," CashDscrp: = 0.00 =AA68,"IN TROUBLE? IF YES: =AA69," TRY /X TRBL.TUT =AA70," TO TROUBLESHOOT =AA71,"`CHECK' &/or `CASH' =AA72,"DISCREPANCIES. NO?: =AA73,"TRY /XOPSTRBL.TUT OR =AA74,"Save & TAKE A BREAK! =AA75," =AA76," /WS ; =G47, =I47,  /WC/TC=A1,=B26,=B5,/TH=C7, BNKST TUT CASH TUT CASH $$$ /WC/TC=A1,=E6,/WV/UAA,/BAA,=AA1, /FC,36 =AA1,"/WC/TC=A1,=E6,/WV/UAA,/BAA,=AA1, =AA2,"/FC,36 =AA3,"[TXT] =AA7, =AA6," DISPLAY TEXT: =AA7, "CHKLST.TUT -- LIST OF /X(eXecute) =AA8, "`.XQT' & `.TUT' FILES SEQUENTIALLY, =AA9, "FOR USE WITH CHXOPS__.CAL WORKSHEET =AA10," AS HELPMATES &/OR TUTORIALS: =AA11," =AA12,"MNTH1.TUT --} A SET FOR UPDATING =AA13,"MNTH2.XQT --} WRKSHT EACH MONTH =AA14,"ASSTS.TUT -- LISTING OPENING VALUES =AA15,"LIAB.TUT -- LISTING OPENING DEBTS =AA16,"EARN.TUT -- CONSTRUCTING A REGULAR =AA17," `EARNING STATEMENT' =AA18,"DEP.TUT -- ENTERING DEPOSITS =AA19,"CHX.TUT -- ENTERING CHECKS =AA20,"SAVE.TUT -- SAVE WORKSHEET TO DISK =AA21,"CRCRDS.CAL - CREDIT CARD WORKSHEET =AA22,"CRDFWD.TUT - } A SET FOR UPDATING & =AA23,"CRDS.TUT -- } UPGRADING CRCRDS.CAL =AA24,"SUMCRDS.TUT- LOADING `CRCRDS.CAL' =AA25," SUMS ON `CHXOPS__.CAL' =AA26,"CASH.TUT -- CASH DISTRIBUTION =AA27,"TYPES.TUT -- CATEGORIZING CHECKS =AA28,"FF.TUT -- BUILDING FALSE FLOOR =AA29,"BNKST.TUT -- BALANCING BANKSTATEMENT =AA30,"EXP.TUT -- CATEGORIZING EXPENSES =AA31,"TRBL.TUT -- } A SET TO TROUBLESHOOT =AA32,"OPSTRBL.TUT- }`RESULT' DISCREPANCIES =AA33,"RPTS.TUT -- PRINTING INSTRUCTIONS =AA34,"RPT1.XQT -- PREP FOR PRINTING 1ST =AA35," PAGE OF CHXOPS__ REPORT =AA36,"RPT2.XQT -- PRINT 2ND PAGE =AA37,"CLOZOPEN.TUT } BEGINNING NEXT MNTH'S =AA38," -- } CHXOPS__ WORKSHEET =AA39,"SAVE.TUT - AGAIN; THEN TAKE A BREAK! =AA40," =AA41,">>> NOTE: TO GET THE SAME ACTION <<< =AA42,">> WITHOUT THE TUTORIAL TEXT << =AA43,"> USE THE EXTENSION `.XQT' < =AA44," Example: /X ASSTS =AA7 , /WC/TC=K25,=K5,/TB=N6,/WV /UAA,/BAA,/FC,36, = AA1 , "/WC/TC=K25,=K5,/TB=N6,/WV = AA2 , "/UAA,/BAA,/FC,36, [TXT] = AA3 , "=AA8, ; =K25,=K5,/TB=M7,/PAA, = AA7 , " DISPLAY TEXT: = AA8 , " "CHNGS.TUT" PLACES THE "CATEGORY", = AA9 , ""OPENING" & "CHANGES" WORK AREAS =AA10, "LEFT OF A WINDOW WITH CURSOR AT M7 =AA11, "FOR AN INSPECTION OF FORMULAS WHICH =AA12, "CALCULATE CHANGES TO FINANCIAL OPER- =AA13, "ATIONS AFFECTING NET WORTH. IT ALSO =AA14, "PROVIDES FOR INSPECTION OF FORMULAS =AA15, "FOR CALCULATING THIS MONTH'S EXPENSE =AA16, "RECORD -- AUTOMATICALLY. =AA17, " Manual /Editing may or may not be =AA18, "needed for `ASSET' & `LIABILITY' =AA19, "cells in the `CHANGES' column: =AA20, "Examples: Cursor each cell & note: =AA21, " M7 is fed by I22 only. =AA22, " M8 is fed & shows `+0' so you may =AA23, "need to /Edit an additional cell or =AA24, "an exact value in rare cases. It may =AA25, "be a cash disbursement, or a portion =AA26, "of a check transaction. The `0' is =AA27, "just a reminder when troubleshooting =AA28, "that transient data may be appropri- =AA29, "ate. Scanning these at the start of =AA30, "each month & deleting transient data =AA31, "if it exists, will be necessary. =AA33, " Cell assignments exist for most =AA34, "`CHANGES', such as mortgages, but =AA35, "when new liabilities are incurred, =AA36, "new assignments must be added. For =AA37, "example a `__Sgn Note' should have a =AA38, "`-F'cell assigned; What F cell? Well, =AA39, "we're a little short of those - but =AA40, " CHEX work area can be modified: =AA41, "definitions &/or formulas if that is =AA42, "appropriate, or use block B59:F59 to =AA43, "build text & formulas. Assign that =AA44, "`-F' cell to the M cell. Test it. =AA45, "An `I' cell can be assigned by /Edit- =AA46, "ing to add to M39 {INCOME}. Then, =AA47, " BUZZ ON DOWN THROUGH M62 =AA48, " They're fed by other cells only. IF =AA49, "you've changed ANYTHING, /X SAVE.TUT =AA50, " THEN, TAKE A BREAK ! OKAY? =AA8, ; =K25,=K5,/TB=M7,/PAA, 3, " Cell assignments exist for most =AA34, "`CHANGES', such as mortgages, but =AA35, "when new liabilities are incurred, =AA36, "new assignments must be added. For =AA37, "example a `__Sgn Note' should have a =AA38, "`-F'cell assigned; What F cell? Well, =AA39, "we're a little short of those - but =AA40, " CHEX work area can be modified: =AA41, "definitions &/or formulas if that is =AA42, "appropriate, or use block B59:F59 to =AA43, "build text & formulas. Assign that =AA44, "`-F' cell to the M cell. Test it. =AA45, "An `I' cell can be /WC/TC=K29,=K5,/TB=N6,=M7, BNKST TUT CASH TUT CASH XQT CHKLST TUT CHNGS TUTCHNGS $$$ /WC/TC=B30,=B5,/TH =F7,/WV=AC1, /UAA,/BAA,=AA6,/FC,31 =AA1, "/WC/TC=B30,=B5,/TH =F7, =AA2, "/WV/UAA,/BAA,=AA6,/FC,31 [TXT] =AA3, "=AA5,; =B30,=B5,/TH =C7,/WS =AA4, " =AA5, " `CHX.TUT' PLACES "PAYEE", =AA6, ""AMOUNT" & "EXPENSE" WORK =AA7, "AREAS BY A WINDOW WITH THE =AA8, "CURSOR READY FOR AN ENTRY! =AA9, " A CELL MAY BE `SHARED' BY 2 =AA10,"OR MORE CHECKS. EXAMPLE: ALL =AA11,"CHECKS FOR: `AnyTyMny > IMPORTANT << ****** =AA17,"** BE SURE TO USE CORRECT ** =AA18,"** INTEREST RATES IN CELLS ** =AA19,"** D19:D22 BASED ON ACTUAL ** =AA20,"***** >> LOAN PAPERS << ***** =AA21," =AA22,"NOTE: PROTECTED CELLS ARE FOR =AA23,"FOR REGULARLY RECURRING PAYEES =AA24,"AND AMOUNTS. FORMULAS ARE =AA25,"USED FOR MORTGAGE PAYMENTS ETC  =AA26,"SO WHEN YOU CHANGE CELL TEXTS =AA27,"OR FORMULAS, CAREFULLY EXAMINE =AA28,"WHAT OTHER CELLS ARE AFFECTED. =AA29,"THE BLANK, UNPROTECTED CELLS =AA30,"ARE FOR YOU TO USE FOR CHECKS =AA31,"OF CERTAIN "TYPES" WHICH ARE =AA32,"SHOWN IN COLUMN E. ONLY =AA33,"REGULARLY REPEATABLE CHECKS =AA34,"SHOULD BE /Protected. THE REST =AA35,"SHOULD BE LEFT UNPROTECTED FOR =AA36,"/Blanking LATER WHEN BEGINNING =AA37," NEXT MONTH'S WORKSHEET. =AA38,"ANOTHER CELL SHARING EXAMPLE: =AA39,"Wtr\Grbg\TV: `10+18.75+0' IN =AA40,"B38 & C38 = 28.75 [RESULT] =AA41,"USE /GM(anual) TO ! CALCULATE. =AA42,"AFTER `CHX', /X `SAVE.TUT' SO =AA43,"YOU CAN /Z(ap) THE SCREEN AND =AA44,"/L(oad) `CRCRDS.CAL' OR =AA45,"/X `SUMCRDS.TUT' TO ENTER =AA46,"ALL CREDIT CARD TRANSACTIONS. =AA47," =AA48,"NOTE: TO READ THIS `MACRO', =AA49,"EITHER USE WORDSTAR OR =>AA1. =AA50,"[ which will `Title Clear' ] =AA51," ! ! AND HAVE FUN ! =AA5,; =B30,=B5,/TH =C7,/WS . =AA29,"THE BLANK, UNPROTECTED CELLS =AA30,"ARE FOR YOU TO USE FOR CHECKS =AA31,"OF CERTAIN "TYPES" WHICH ARE =AA32,"SHOWN IN COLUMN E. ONLY =AA33,"REGULARLY REPEATABLE CHECKS =AA34,"SHOULD BE /Protected. THE REST =AA35,"SHOULD BE LEFT UNPROTECTED FOR =AA36,"/Blanking LATER WHEN BEGINNING =AA37," NEXT MONTH'S WORKSHEET. =AA38,"ANOTHER CELL SHARING EXAMPLE: =AA39,"Wtr\Grbg\TV: `10+18.75+0' IN =AA40,"B38 & C38 = 28.75 [RESULT] =AA41,"USE /GM(anual) TO ! CALCULATE. =AA42,"AFTER `CHX', /X `SAVE.TUT' SO =AA43,"YOU CAN /Z(ap) THE SCREEN AND =AA44,"/L(oad) `CRCRDS.CAL' OR =AA45,"/X `SUMCRDS.TUT' TO ENTER =AA46,"ALL CREDIT CARD TRANSACTIONS. =AA47," =AA48,"NOTE: TO READ THIS `MACRO', =AA49,"EITHER USE WORDSTAR OR =>AA1. =AA50,"[ /WC/TC=B30,=B5,/TH =C7, BNKST TUT CASH TUT CASH XQT CHKLST TUT CHNGS TUTCHNGS XQTCHX TUTCHX $$$SuperCalc ver. 1.12 CHXOPS .CAL (Rev.4/7/86) A formula change.     @      P7 %"CHXOPS .CAL (Rev.4/7/86) A formula change..%"CRCRDS{Rev.3/2/86}Summary with just VISAges.#"*========================wit '==== '==== "=*== '===  "=*=  '== "=* " _ '_ "_#"*========================wit '==== "=*== "|==#"MONTHLY CHECK RECORD " |TH "FOR:!" MAR '86 C  " |AR "" FINANCIAL OPERK !"ATING SUMMOP !"ARY FOR:MOP !" MAR '86OP " |AR "!AR!"EARNINGSOP!"STATEMENTOP!" FOR:NTOP!" MAR '86OP " !AR "|AR!" FEB '86OP " |B  "*=B  '=B  '=B  "=|== '===  "=*=  '== "=* "!~ '~ "~! "*= '= "=* "|!" PAYEEOP!" AMOUNTOP!" EXPENSEOP!" TYPEOP!" A L & COP " | L!"OPEN'G BAL:$CffpL7  " | !"CATEGORYL7 !"OPENINGL7 !"CHANGESL7 !"CLOSINGL7 " |SI "!SI""{ Your Name }K !" FROM:me "" { your Employer }  " ! y "| y"" WRKSHT X-REFyer } !" ALL CRDSEF " |LL "!=LL '=LL!"=!=======EF!"=!=======EF!"=!=======EF!"=!=======EF "=|== '===  "=*=  '== !"!=========EF !"=!=======EF !"=!=========F "=*== "!~== '~== "~!== "!=== '===!"=!========F "=*== "|==""AnyTyMnyC7*!" DEPOSITS7*  " |PO !"Chckg Acct* q666.67Acct* ChVffffpI224)+25+12 DSRffffgL7+M7+25+12 " |ff "!ff!" CATEGORY+M!" OPENING+M!" CURRENT+M!" YR TO DATEM " ! T "| T!"Chckg AcctMp0hckg " |kg "|kg""AnyTyMny>BnkS+25+12 "nyTy! " ">BnkSC8S " |!"{ Employer }D)VffffgS39+25+12  " |ff ""{ You Name It }25+12 a(0) X8+0}25+12 L8+M825+12 " | "!""-------------25+12!" -----------!" ----------!" ----------- " !-- "|--""{ You Name It }25+12p0 You " |ou "|ou "ou!"RealEstme ItC9t " |  " | ""Real Est.(Home)25+12 q123456.78(Hom F9+F10+X912 F4VxL9+M9+X912 " |x "!x "Basep0aseR9+S9+X912 " ! "|""Real Est.(Home)X912p0eal  " |l "|l  "l  ! " ".(Hom C10e)X912 " | " | !"Furnishings q12345.67ngs BF11+F12+X10.34ORD EB0L10+M10X10 " |0 "!0 !"OvertimeL10+ p0vert R10+S10X10 " ! "| !"Furnishings+ p0urni " |ni "|ni "Searshings+ BB98.76-15.90 " !"Frnsh98.7 BC116-15.90 " | " | !"Ret'mt/IRA1 )fffffg-S12+F13+X1134ORD )fffffgL11+M11+X11 " |ff "!ff !"ShftDfrntl1+ p0hftD R11+S11+X11 " ! "| !"Ret'mt/IRA1+ p0et'm " |'m "|'m "'m ! " "RA1+ C12S11+X11 " | " | !"Other Assets F14+X12-(0)34ORD L12+M12(0) " | "! !"RtrmntFnd12+ p8750n bD)fffffg(35000/12) EffffffgR12+S122) " !ff "|ff !"Other Assets p0ther " |er "|er "er !"RtmntAssets C13S122) " | " | !"Credit Union a(0) (0)+F15+X1334ORD L13+M13X13 " | "! !"OtherL13+ p0ther R13+S13X13 " ! "| !"Credit Union !" N/Anion " | N "| N " N !"OthAsstnion C14S13X13 " | " | !"Inv.Prop.NW a(0) !" " ? "(0) L14+M14X13 " | "! !"OtherL14+ p0ther R14+S14X13 " ! "| !"Inv.Prop.NW+ !" "p.NW+ " |  "|  " !"CrdtUnp.NW+C15S14X13 " |  " | !"Accts Rcvbl a(0) (-I9)4X13 L15+M15X13 " | "! " ! "|!"Accts Rcvbl+!"  "cvbl+ " |  "|  " !" Svgsvbl+C16M15X13 " |  " | !"Bank Svgs16 a(0) (0)+F17X13 L16+M16X13 " | "!!"GROSSL16+ADPSUM(R9:R15)34ORDAD)fffffgSUM(S9:S15)34ORDEffffffgR16+S1615) " !ff "|ff!"Bank Svgs16+ " |k  "|k ""CrCrds < BnkS1615)C171615)!" vv See vv "vv S " | S  " | S ""CrdtCrds O'pmts15) a(0) L17+M1715) " | "! " ! "|""CrdtCrds O'pmts15) " |tC "|tC""CrCrds > BnkSs15)X38C18s15)!" CRDSUM.XQT "QTDS " |DS  " |DS ""{ YouNameIt 2 }15) a(0) X18+(0)15) " | "! " ! "|""{ YouNameIt 2 }15) " |ou "|ou!"S&L 1stMrtg2q925.75tMrtg2CarL25*.0115)!"Int/PrnL25*C0fC19-D1915) " |__ '___  "_|_ " |_ "!_!"Retirement9-p0etirR19+S1915) " ! "| " | "|!"S&L 2ndMrtg+p400 2C4r"%L26*.135/1234ORD!" " "L26*BRwwPC20-D20/12 " |P!"SUM DPSTS:0-D)VffffgSUM(I8:I19)34ORD  " |ff " |ff "!ff!"Credit Unionp0rediR20+S2019) " ! "| " | "|!"Bnk H I Noteq285.11I NoteC6PL28*(.135/12)4ORD!" " "L28*CPC21-D215/12 " |P!"SUM CHCKS:1-D qC62D215/12  " | !"ASSET TOTAL FdiSUM(L7:L19))4ORD FSUM(M7:M19))4ORD FE"L21+M2119) " | "!!"Bank Svgs21+p0ank R21+S2119) " ! "|!"ASSET TOTAL+p0SSET " |ET "|ET!"Bnk Sgn Note!" " "oteC22-D2219) " |!"NET CHANGE:-ChVffffpI20-I2119)  " |ff " |ff "!ff""Instlmnt Pm ts2119)p0nstlR22+S2219) " ! "| " | "|C23S2219)!" GroSplC23 " Gro " |ro!"CLOSNG BAL:$DSRffffgI5+I2219)  " |ff ""FlseFlrNotIncl:19) a(0) I29l:19) L23+M2319) " | "!""FICA Tax2319)p0ICA R23+S2319) " ! "|""FlseFlrNotIncl:19)!" N/AotInc " | N "| NC24l:19) " " " " " |== '===  "=|= " |= "!=""Fed Inc Tax:19)p0ed IR24+S2419) " ! "| " | "|C25S2419) " " " " " |{!"ToFF:(+)C25  "}|F: !"1st MrtgC25 q61728.39C25 0f-F192419) EaA#L25+M2519) " |# "!#""State Inc Tax2519)p0tateR25+S2519) " ! "|!"1st MrtgR25+!" "gR25+ " |  "| "SearsgR25+B98.76-C11)BC266-C11)!" Cl,BdgC26 " Cl, " |{,  "}|, !"2nd MrtgC26 q30864.2gC26 RwwP-F20-C11) E0"%L26+M261) " |"% "!"%""Medicare Tax261)p0edicR26+S261) " ! "|!"2nd MrtgR26+!" "gR26+ " |  "| C27S261) " " " " " |{!"FrmFF:(-)27  "}|FF ""CrdtCrd Accts261) a(0) X39261) L27+M271) " | "!""Life Insur271)p0ife R27+S271) " ! "|""CrdtCrds AmtDue1)p0rdtC " |tC "|tCC28ue1)!" Med/DC28 " Med " |{d  "}|d ""Bank H.I.Loane1) q15432.1I.Loan P-F21e1) E2PL28+M281) " | "!""Health Insur281)p0ealtp14.10BR28+S281) " ! "|""Bank H.I.Loan281)!" N/A.Loan " | N "| NC29281) " " " " " |{!"NET FF:C29SUM(I25:I28)4ORD  "}| !"Bnk Sgn Note a(0) -F2225:I28) L29+M29I28) " | "!!"OtherL29+p0therR29+S29I28) " ! "|!"Bnk Sgn Note!" " Note " |  "| C30S29I28)!" MaintC30 " Mai " |{i!"FWD FF:C30L23+I29I28)  "}| ""CreditUnionLoanI28) a(0) L30+M30I28) " | "!!"OtherL30+p0therR30+S30I28) " ! "|""CreditUnionLoanI28)!" "nionLo " |  "| C31anI28) " " " " " |== '===  "=|= ""Accts PayablenI28) a(0) L31+M31I28) " | "!!"OtherL31+p0therR31+S31I28) " ! "|""Accts Payable31I28)!" "ayable " |  "| C3231I28)!" TaxC32 " Tax " |>>!"BSEndgBal:2  "<|nd ""______ Sgn NoteI28) a(0) L32+M32I28) " | "!!"OtherL32+p0therR32+S32I28) " ! "|""______ Sgn NoteI28)!" "Sgn No " | "|  C33teI28) " " " " " |>> !"ChxOutst:33 D%uC8+C18+(C19+C20)RD "<| " | "! ""Contributions8+(C19+ p0ontr R33+S33C19+ " ! "| " |! "|!C34S33C19+!!" InsurC34! " Ins! " |>>!!"DpstOut:C34 ! "<|tO !""LIABILITY TOTALC19+ !F$iSUM(L25:L32)20)RD !G'BrPSUM(M25:M32)20)RD !FuQruL34+M34M32)! " |r! "!r! " !r! "|r!""LIABILITY TOTALM32)!p0IABI! " |BI" "|BI"C35ALM32)" " "" " "" " |""!"Subtotl:C35"%uI32-I30-I33+I34RD " " |" " |" "!" " !" "|=" '="!"==ALL CRDS2-" "=*LL# "|LL# "PG&E#p80&E#BC36I30-I33+#!" UtilC36# " Uti# " |>i#!"My < Dscrp!:#D(y'ffffgI23-I35I33+ # " |ff# " |ff# "!ff#""DEDUCTION SUM35I33+#SUM(R19:R35)34RD#BSUM(S19:S35)34RD#BR36+S36S35)# " !# "|#""CREDITCARDS-SUMMAT'N#!" (ALL)S-S# " | ($ "| ($!"Phone\AT&T-S$C37UMMAT'N$ " "$ " "$ " |==$ '=== $ "=|= $!"NET WORTH37 $E(DD0L21-L34T'N $t ru(M21-M34)N $E&"rPL37+M37)N$ " |"r$ "!"r$ " !"r$ "|"r$""CHARGES TOTAL :)N$p0HARG$ " |RG% "|RG%!"Wtr\Grbg\TVL%BB(u10+18.75+0%B(uC388.75+0% " "% " "% " |Al%!"l CrCrdPmts:%X388.75+0 % " | % "| % "|% " |% "!% " !% "|%"">Payment Amts.$5+0%p0Paym% " |ym& "|ym&C39.$5+0& " "& " "& " |Cr&!"Crds < BnkS:& C17.$5+0 & " | &!"INCOMEC17 &a(0) &D)fffffgS16 &D)fffffgL39+M39+0& " |ff& "!ff&!"NET PAYOFF9+&DPR16-R36+0&D)VffffgS16-S36+0&Ee%ffffgR39+S39+0& " !ff& "|ff&""NET CHANGE :+0&p0ET C& " | C' "| C'C40 :+0'!" TrnspC40' " Trn' " |Cr'!"Crds > BnkS:'C18 :+0 ' " |' " |' "!_' '_' "_!' "|'""My Prv Balance:+0'p1350r' " |r( "|r(C41e:+0( " "( " "( " |Cr(!"CrdChxDscrp:(I38-(I39+I40)4RD ( "<| (""INV.PRP.CAP.INV.+I40 (a(0) (C53NV.+I40 (L41+M41+I40( " |(""Notes to self:1+I40( "|tes(""My New Balance:+I40(p1350e( " |e) "|e)C42e:+I40) " ") " ") " |==) '=== ) "=|= ) "|= ) "|=) " |=) "|=)""LIAB. CHANGE :+I40)p0IAB.) " |B.* "|B.*C43 :+I40*!" Cltr\E\V43* "Cltr* " |tr*#" v v EXPENSES v v4RD * " | v *""EXPENSE TOTAL ^S v *a(0) *DC9Affg(M39-M37)v *DC9AffgL43+M43)v * " |9A* "|9A*""`CHANGE'Dscrp.:)v *p0CHAN* " |AN+ "|AN+C44.:)v + " "+ " "+ " |"+!" CHECKS4+!" A L & C4 + " |- + '-- + "-| + "|= + '= + "=* , "| ,C45.:)v , " ", " ", " |",DbvruSUM(H47:H62)4RD,BSUM(I47:I62)4RD , " | ,""EXPENSE TOTAL v:I62) ,SUM(L47:L62)4RD ,DvruSUM(M47:M62)4RD ,DvruL45+M45M62), " |ru, "|ru,""EXPENSE TOTAL vM62),p0XPEN, " |EN- "|EN-C46 vM62)-!" Gft\Prty46- "Gft\- " |t\-!" ^ ^ ^ ^-!" ^ ^ ^ ^^ - " |^ -""^ ^ ^ ^ ^ ^ ^ ^M62) -!" ^ ^ ^ ^ -!" ^ ^ ^ ^^ -!" ^ ^ ^ ^- " | - "| -""^ ^ ^ ^ ^ ^ ^ ^M62)-!" ^ ^ ^ ^ ^ ^- " |^ . "|^ .C47 ^M62). " ". " ". " |".D8ruSUM(D19:D22)+X47RD . " |ru .!"InterestSUM( .a(0) .D8ruH47+I47D22) .D8ruL47+M47D22). " |ru. "|ru.!"InterestL47+.p0nter. " |er/ "|er/C48M47D22)/ " "/ " "/ " |"/SUM(D23:D25)+X48RD / " | /""Groc./Supplies3:D25) /a(0) /H48+I48D25) /L48+M48D25)/ " |/ "|/""Groc./Supplies8D25)/p0roc./ " |c.0 "|c.0C49s8D25)0!" LqrC490 " Lqr0 " |qr0BD26+D27+X49+X48RD 0 " | 0""Clothing/Bedng7+X49 0a(0) 0BH49+I49X49 0BL49+M49X490 " |0 "|0""Clothing/Bedng9X490p0loth0 " |th1 "|th1C50g9X491 " "1 " "1 " |"1D28+D29+X50+X48RD 1 " | 1!"Med/DntlD28+ 1a(0) 1H50+I50X50 1L50+M50X501 " |1 "|1!"Med/DntlL50+1p0ed/D1 " |/D2 "|/D2C51M50X502!" DngOutC512 " Dng2 " |ng2D30+D31+X51+X48RD2+X5131+X51 2 " | 2!"Plant Maint. 2a(0) 2H51+I51X51 2L51+M51X512 " |2 "|2!"Plant Maint.2p0lant2 " |nt3 "|nt3C52M51X513 " "3 " "3 " |"3D32+D33+X52+X48RD3SUM(S23:S26)+X52RD 3 " | 3!"TaxesSUM( 3a(0) 3H52+I52S26) 3L52+M52S26)3 " |3 "|3!"TaxesL52+3p0axes3 " |es4 "|es4""Invstmt Prop.52S26)4C5352S26)4!" CptlInvC534 "Cptl4 " |tl4D34+D35+X53+X52RD4BS27+S28X53 4 " | 4!"Insurance27+ 4a(0) 4BH53+I53X53 4BL53+M53X534 " |4 "|4!"Insurance53+4p0nsur4 " |ur5 "|ur5C54M53X535!" HomRprC545 " Hom5 " |om5CPSUM(D36:D39)+X54RD 5 " | 5!"UtilitiesUM( 5a(0) 5CPH54+I54D39) 5CPL54+M54D39)5 " |5 "|5!"Utilities54+5p0tili5 " |li6 "|li6C55M54D39)6 " "6 " "6 " |"6SUM(D40:D42)+X55RD 6 " | 6!"Transport'n( 6a(0) 6H55+I55D42) 6L55+M55D42)6 " |6 "|6!"Transport'n+6p0rans6 " |ns7 "|ns7C56M55D42)7!" Msc\Lgl567 " Msc7 " |sc7SUM(D43:D45)+X56RD 7 " | 7""Cult/Educ/Vac'n:D45) 7a(0) 7H56+I56D45) 7L56+M56D45)7 " |7 "|7""Cult/Educ/Vac'nD45)7p0ult/7 " |t/8 "|t/8C57'nD45)8 " "8 " "8 " |"8SUM(D46:D48)+X57RD 8 " | 8""Gifts/Parties46:D48) 8a(0) 8H57+I57D48) 8L57+M57D48)8 " |8 "|8""Gifts/Parties57D48)8p0ifts8 " |ts9 "|ts9C5857D48)9  "9 " |9D49+D50+X58+X57RD 9 " | 9!"LiquorD49+ 9a(0) 9H58+I58X58 9L58+M58X589 " |9 "|9!"LiquorL58+9p0iquo9 " |uo: "|uo: "uo: " |uo:D51+D52+X59+X57RD : " | :!"Dining Out1+ :a(0) :H59+I59X59 :L59+M59X59: " |: "|:!"Dining Out9+:p0inin: " |in; "|in; "in; " |in;D53+X60X59;-M1460X59 ; " | ;""Invstmt Prop.60X59 ;a(0) ;H60+I60X59 ;L60+M60X59; " |; "|;""Invstmt Prop.60X59;p0nvst; " |st< "|-st< '-st< "-|st<D54+D55+X61+X57RD < " | +=D qSUM(C7:C58)+X57RD=DbvruSUM(D18:D60)X57RD=!" <++++++>UM(=Cu)BrPSUM(F7:F22)X57RD= " |rP=D56+D57+(D58)+X62D = " | =!"Misc./Legal+ =a(0) =H62+I62(D58 =L62+M62(D58= " |= "|=!"Misc./Legal+=p0isc.= " |c.> "*=c.>%"=====================================SAges.> '==== > "=*== > '===> "=*=> '==> "*==> '==>!"==ALL CRDS==> "=*LL? "|LL?!"ChkSumDscrp:?(C62-(D62+F62))====?"" CashToAs\Liab:F6?!" ?hToAs\?!"CashSum:$As\?Cs@F7+F8ab:F6 ? " | ?""^=XPNS SUM DSCRb:F6 ?!"P=v: $DS ?D1ffffg(M43-M45)F6 ?Cs@F65-M45)F6? " |@ "|@!"ChxExpDscrp:@D62-H45)F6@"" CashDscrp:F6@Cs@I64-(I65+F64))====@!"CashToEXPNS:@I45-(I52+I53+I60)== @ " | @""<=XPNS SUM DSCR2+I53 @!"P=>: $DS @M45-(H45+I45)60)== @!" Q.E.D.-@ " | SuperCalc ver. 1.12 CHXOPSOV{Rev.4/7/86} a quickly loadable general Over-View of CHXOPS .CAL%% 01P7   "CHXOPSOV{Rev.4/7/86} a quickly loadable general Over-View of CHXOPS .CAL"le general Over-View of CHXOPS .CAL"********* Ov!"********* Ov&" B | C | D | E | F |G| H | I |#"J| K | L | M | N | &"| K | L | M | N || Q | R | S |#" T || W | X ||| "| | !"| | &"*=============================*=================#"*=========================*=&"*=========================*._____________________#"________.*===============*._%">> COLUMNS AA THROUGH AD ARE FOR EA_______%"SE OF LOADING P(art)ly onto CHXOPS <<_______"|Mormal |ING!"| |ING$"| MONTHLY CHECK RECORD |PS <<#"| FINANCIAL OPER-SUMMARY | &"| FINANCIAL OPER-SUMMARY || EARNINGS STATEME#"NT || || !"| | !"| | &"|=============================|=================#"|=========================|=&"|=========================||~~~~~~~~~~~~~~~~~~~~~#"~~~~~~~~||===============||~$"******************************~~~~~~$"******************************~~~~~~"|Column-|***!"| |***%"| PAYEE AMT EXP TYPE AL&C |OP'N BAL:$~~~#"|CAT'GRY OPEN CHANGE CLOSE|C&"|CAT'GRY OPEN CHANGE CLOSE|| ~~~~~~~~~~~~~~~~~~~#"~~~~~~ ||WRKSHT X-REF || $"* The /GNext Toggle should *~~~~~~$"* Also shown is the use of *~~~~~~"| Width |own!"| |own&"|=======|====|====|=====|=====|=================#"|=======|====|======|=====|=&"|=======|====|======|=====||CATEGORY OPEN CURRENT#" YRTODAT||===============||C$"* remain OFF to save time. *EGORY $"* a `zero-width' column: *EGORY "| |o-w!"| |o-w%"| | "DEP"N CUR#"| | &"| ||========|====|=======#"|=======|| ||=$"* *=====|$"* Look at Column C. *=====|"| is | at!"| | at&"| | = DEPOSITS W/A==#"| "ASSTS" | #"| "ASSTS" ||#" || ||$"* /GManual is required for * = D EP$"* Why bother? Well, I just * = DEP"| |her!"| |her&"| "CHX.TUT OR |-----------------#"| = ASSETS WORK AREA | #"| = ASSETS WORK AREA ||#" || || $"* many aspects of this file. *------ $"*learned about them; one can *------ "| 9 |bou !"| |bou &"| |DEP & CHX SUMS & #"| |  #"| || #" || || $"* *DEP &  $"* omit ANY columns from a *DEP &  "| |Y  !"| |Y  %"| "CHX.XQT" |CLOSNG BAL:$S #"| |  &"| || "EARN.XQT" #" || || $"* After viewing and scanning *  $"* printout by /FC,0 while *  "| Try | by !"| | by &"| |----------------- #"| FalseFloor Reserve  |  #"| FalseFloor Reserve || #" || "CRDSUM.XQT" || $"* columns A thru E, AA & AB, *------ $"* text & formulas remain *------ "|typing:|for !"| |for %"| = CHECKS WORKING AREA | "FF" =------ #"| |  %"| || =--- #" || || $"* /Zap the screen, *  $"* available as soon as *  "| /FCC |abl !"| |abl &"| |FALSE FLOOR W/A- #"| "LIAB" |  #"| "LIAB" || #" || = ||$"* /Load CHXOPS.cal, and *FALSE $"* ColumnWidth is returned to *FALSE "| |dth!"| |dth&"| |-----------------#"| = LIABILITY WORK AREA | &"| = LIABILITY WORK AREA || PAYROLL COMPONEN#"TS || || $"* /X(eXecute) CHKLST.TUT * PAYRO$"* its regular value ! * PAYRO"|0 |egu!"| |egu&"| ************************* |"BS"= BankStmntEN#"| | #"| ||#" || DATA LOADED ||$"* FOR THE TUTORIAL CHECKLIST.*"BS"= $"* =>C1 ( Type`=C1') *"BS"= "| | ( !"Now, try: ( &"| * Ed. Note: * |RECONCILLIATIONEN#"| | &"| || INCLUDING DISTRIBUT#"ION OF || || $"******************************NCLUDI$"******************************NCLUDI"| |***!"|/FCC,9 |***&"| * Try Typing =AA21 * |-----------------#"| NET WORTH:$ | #"| NET WORTH:$ ||#" || FROM ||"| | !"| | ""then:=AA1FROM &"| ************************* |AllCreditCardPmts#"| INCOME:$ | &"| INCOME:$ || DEDUCTIONS & ALLOT#"MENTS ||  || %"HAVE FUN, AND CALL ME: (Glen StinnettONS & A$") 4O8-867-O972 FOR HELP OR ?#!innett"*********O97!"*********O97""then:=AA21OR HE&"| |RECONCILLIATIONOT#"| CAPITAL INVESTMENT:$ | &"| CAPITAL INVESTMENT:$ |!_____________________#"________!| "CRCRDS.CAL" |!_&"| |-----------------#"| | %"| |Notes to Self:---#" | |No$"| MORE | to S#"|-------------------------| #"|-------------------------| #" | | %"| | "EXP" =:---#"| | #"| | #" | MORE DATA | $"| CHECK |"EXP"#"| EXPENSE | #"| EXPENSE | #" | | %"| | EXPENSES---#"|  | #"| | #" | FROM | $"| WORKING | EXPE#"| SUMMATIONS:$ | #"| SUMMATIONS:$ | #" | | %"| | WORKING--#"| | #"| | #" | "CRCRDS.CAL" | $"| AREA | WO#"| | #"| | #" | | %"| | AREA-#"| | #"| | #" | | &"|=============================|=================#"|=========================|=&"*=========================*======================#"=========*===============*==%"| "TRBL.XQT" =CHECK & CASH DISCREPANCIES W/A#"|"OPSTRBL"=ExpSumDscrp:$ |I!&"EITHER THIS FILE OR "OV01.TUT" PUTS TOP HALF OF=!#"REPORT #1,(GE NERAL LAYOUT)UT!&""OV01.TUT" PUTS THE TOP HALF OF A GENERAL LAYOUT!#"OF "REPORT #2" ON SCREEN.LF "&"IN COLS AA & AB. TO SEE THE LOWER HALF => AA21."#" THEN EITHER =>AC1 ORE L"&"TO SEE THE LOWER HALF => AC21. THIS REPORT OMITS"#" THE CHECK RECORD FOR=> AC21#&" CURSOR RIGHT TO COLUMN AC TO SCAN REPORT #2 &S##"BACK TO AA1 FOR RPT #1.C T#&"PRIVACY, DUPLICATES THE FINANCIAL OPERATING SUMMA##"RY AND SHOWS AN UPDATEDFINAN$&"EARNING STATEMENT PLUS THE SUMMARY PORTION OF THE$#" CREDIT CARD WORKSHEETTHE SU%&""CRCRDS.CAL" used to AUTOMATICALLY FEED DATA TO "%#"CHXOPS .CAL" AS IT ISTOMATI& "HXOP&%" [!!] CALCULATED.ATA =|=&"*=========================*======================#"=========*===============*==%"| "TRBL.XQT" =CHECK & CASH DISCREPANCIES W/A#"|"OPSTRBL"=ExpSumDscrp:$ |I!&"EITHER THIS FILE OR "OV01.TUT" PUTS TOP HALF OF=!#"REPORT #1,(GE=J7 /GM/WC /UL7:L20 /UL22:L33 /UL39:L43 /UL47:L62 /BL7:L62 /CN7:N62,L7,V =U25 =P25 /UR9:R15 /UR19:R35 /BR9:R39 /CT9:T39,R9,V =Q5, =T5, /WV/UAA,/BAA, /UP43:U65 /BP43:U65 =AA6,/FC,34 "THE ESSENCE OF `CLOZOPEN' IS TO =AA7, "Begin Next Month's worksheet by: =AA8, "UNPROTECTING & BLANKING TRANSIENT =AA9, "OPENING `CATEGORY' DATA IN COLUMNS =AA10,"K&R; COPYING THIS MONTH'S CLOSING =AA11,"V(alue)s THERE, TO BECOME NEXT =AA12,"MONTH'S OPENING DATA. NOTE THAT =AA13,"NO `!!' `CALCULATIONS' WERE MADE. =AA14,"CAUTION: DO NOT USE `CLOZOPEN' =AA15,"AGAIN AFTER ANY CALCULATIONS HAVE =AA16,"BEEN MADE ON THIS MONTH'S WRKSHT. =AA17,"IT MUST BE THE FIRST THING DONE =AA18,"EACH MONTH FOR CORRECT DATA TO BE =AA19,"TRANSFERRED. **END OF CAUTION** =AA20,"THEN BEFORE CALCULATING, PROOFREAD =AA21,"UNPROTECTED CELLS. EITHER CHANGE =AA22,"FORMULA & /Protect OR LEAVE CELL =AA23,"UNPROTECTED FOR /Blank'ing BECAUSE =AA24,"TRANSIENT DATA SHOULD BE BLANKED =AA25,"PRIOR TO CALCULATIONS FOR CORRECT =AA26,"RESULTS AND `.00' DISCREPANCIES. =AA27,"**** TIP FOLLOWS **** =AA28,"1) /GT(ab), toggle `ON' to advance =AA29," cursor skipping all protected & =AA30," empty cells with => keys for =AA31," faster viewing. =AA32,"2) /GT(ab), toggle `OFF' when =AA33," proofing is complete, to regain =AA34," arrow control. * END OF TIP * =AA35,"WHEN CONFIDENT THAT ALL TRANSIENT =AA36,"TEXT & FORMULAS ARE UNPROTECTED, =AA37,"AND ALL OTHER CELLS ARE PROTECTED, =AA38,"/B(lank) All, TO ELIMINATE THE =AA39,"UNPROTECTED (irregular) DATA AND =AA40,"KEEP ALL PROTECTED (repeatable) =AA41,"CELLS ON THE ENTIRE WORKSHEET. =AA42," =AA43,"WHEN READY TO PROCEED, IF THIS IS =AA44,"YOUR FIRST MONTH, TRY /X ASSTS.TUT =AA45,"OR /X CHKLST.TUT, OTHERWISE, USE =AA46,"/X EARN.TUT OR JUST /X EARN =AA47,"OR /X SAVE.TUT AND TAKE A BREAK! =AA6 8,"1) /GT(ab), toggle `ON' to advance =AA29," cursor skipping all protected & =AA30," empty cells with => keys for =AA31," faster viewing. =AA32,"2) /GT(ab), toggle `OFF' when =AA33," proofing is complete, to regain =AA34," arrow control. * END OF TIP * =AA35,"WHEN CONFIDENT THAT ALL TRANSIENT =AA36,"TEXT & FORMULAS ARE UNPROTECTED, =AA37,"AND ALL OTHER CELLS ARE PROTECTED, =AA38,"/B(lank) All, TO ELIMINATE THE =AA39,"UNPROTECTED (irregular) DATA AND =AA40,"KEEP ALL PROTECTED (repeatable) =AA41,"CELLS ON THE ENTIRE WORKSHEET. =AA42," =AA43,"WHEN READY TO PROCEED, IF THIS IS =AA44,"YOUR FIRST MONTH, TRY /X ASSTS.TUT =AA45,"OR /X CHKLST.TUT, OTHERWISE, US/UAA,/BAA,=J7 /GM/WC /UL7:L20 /UL22:L33 /UL39:L43 /UL47:L62 /BL7:L62 /CN7:N62,L7,V =U25 =P25 /UR9:R15 /UR19:R35 /BR9:R39 /CT9:T39,R9,V =Q5, CHNGS TUTCHNGS XQTCHX TUTCHX XQTCHXOPS CAL !"#$%&CHXOPS CAL'()CHXOPSOVCALF*+,-./012CLOZOPENTUT345CLOZOPEN$$$SuperCalc ver. 1.12 CRCRDS Mnthly Credit Card Accounts Worksheet (Rev.04/08/86)      @       4 P; '"CRCRDS Mnthly Credit Card Accounts Worksheet (Rev.04/08/86)#"*========================RD '====  "=*== "|==&" CREDIT CARD MONTHLY CHARGES & PAYMENTS RECORD!" FOR:IT CAR" { NAME }CAR !" FEB '86CAR  " |B  "*=B  '=B  "=*B  "|B "" WRKSHT X-REF MONTH!" VISAX-REF!" MACY'SREF!" AMEXSREF!" CRD NO 4EF!" CRD NO 5EF!" CRD NO 6EF!" CRD NO 7EF !" ALL CRDSEF  " |LL "!=LL '=LL!"=!========EF!"=!========EF!"=!========EF!"=!========EF!"=!========EF!"=!========EF!"=!========EF !"=!========EF  "=*== "|==!"Chckg AcctEF SUM(C7:I7)H  " | "|""{ You Name It }I7)H SUM(C8:I8)H  " | "|""Real Est.(Home)I8)H SUM(C9:I9)H  " | "| !"Furnishings( SUM(C10:I10)Y CHARG " | "| !"Ret'mt/IRAM( SUM(C11:I11)Y CHARG " | "| !"Other Assets SUM(C12:I12)Y CHARG " | "| !"Credit Union !" N/Anion !" N/Anion !" N/Anion !" N/Anion !" N/Anion !" N/Anion !" N/Anion !" N/Anion " | N "| N !"Inv.Prop.NW !" "p.NW !" "p.NW !" "p.NW !" "p.NW !" "p.NW !" "p.NW !" "p.NW !" "p.NW " |  "| !"Accts Rcvbl!" "cvbl!" "cvbl!" "cvbl!" "cvbl!" "cvbl!" "cvbl!" "cvbl !" "cvbl  " |  "| !"Bank Svgsl  " |k  "|k ""CrdtCrds O'pmts:I12)  " |tC "|tC""{ YouNameIt 2 }:I12)  " |ou "|ou  " |ou "|ou  " |ou "|ou!"ASSET TOTAL2SUM(C7:C19)Y CHARGSUM(D7:D19)Y CHARGSUM(E7:E19)Y CHARGSUM(F7:F19)Y CHARGSUM(G7:G19)Y CHARGSUM(H7:H19)Y CHARGSUM(I7:I19)Y CHARG SUM(J7:J19)Y CHARG  " | "|  " | "|""FlseFlrNotIncl:J19)!" N/AotInc!" N/AotInc!" N/AotInc!" N/AotInc!" N/AotInc!" N/AotInc!" N/AotInc !" N/AotInc  " | N "| N  " | N "| N!"1st MrtgtInc!" "gtInc!" "gtInc!" "gtInc!" "gtInc!" "gtInc!" "gtInc!" "gtInc !" "gtInc  " |  "| !"2nd MrtgtInc!" "gtInc!" "gtInc!" "gtInc!" "gtInc!" "gtInc!" "gtInc!" "gtInc !" "gtInc  " |  "| ""CrdtCrds AmtDueJ19)EC41-C4019)D41-D4019)E41-E4019)F41-F4019)G41-G4019)H41-H4019)I41-I4019) ESUM(C27:I27)Y CHARG  " | "|""Bank H.I.Loan27:I27)!" N/A.Loan!" N/A.Loan!" N/A.Loan!" N/A.Loan!" N/A.Loan!" N/A.Loan!" N/A.Loan !" N/A.Loan  " | N "| N!"Bnk Sgn Note!" " Note!" " Note!" " Note!" " Note!" " Note!" " Note!" " Note !" " Note  " |  "| ""CreditUnionLoan:I27)!" "nionLo!" "nionLo!" "nionLo!" "nionLo!" "nionLo!" "nionLo!" "nionLo !" "nionLo  " |  "| ""Accts Payablen:I27)!" "ayable!" "ayable!" "ayable!" "ayable!" "ayable!" "ayable!" "ayable !" "ayable  " |  "| ""______ Sgn Note:I27)!" "Sgn No!" "Sgn No!" "Sgn No!" "Sgn No!" "Sgn No!" "Sgn No!" "Sgn No !" "Sgn No  " | "| " | ! "| !""LIABILITY TOTAL:I27)!ESUM(C25:C32)Y CHARG!SUM(D25:D32)Y CHARG!SUM(E25:E32)Y CHARG!SUM(F25:F32)Y CHARG!SUM(G25:G32)Y CHARG!SUM(H25:H32)Y CHARG!SUM(I25:I32)Y CHARG !ESUM(J25:J32)Y CHARG ! " |" "|=" '="!"=!========M("!"=!========M("!"=!========M("!"=!========M("!"=!========M("!"=!========M("!"=!========M( "!"==ALL CRDSM( " " |LL# "|LL#""CREDITCARDS-SUMMAT'N#!" VISARDS-S#!" MACY'SS-S#!" AMEXS-S#!" CRD NO 4-S#!" CRD NO 5-S#!" CRD NO 6-S#!" CRD NO 7-S #!" (ALL)-S # " | ($ "| ($""CHARGES TOTAL :AT'N$B!`C21+C45T'N$D21+D45T'N$E21+E45T'N$BSEF21+F45T'N$G21+G45T'N$H21+H45T'N$I21+I45T'N $BuSUM(C37:I37)Y CHARG $ " |% "|%"">Payment Amts.$:I37)%P67.50%P53.45 %C PSUM(C38:I38)Y CHARG % " |& "|&""NET CHANGE ::I38)&EC37-C38I38)&D37-D38I38)&E37-E38I38)&F37-F38I38)&G37-G38I38)&H37-H38I38)&I37-I38I38) &ESUM(C39:I39)Y CHARG & " |' "|'""My Prv Balance::I39)'P1350r'P050r'P050r'P050r'P050r'P050r'P050r 'DPSUM(C40:I40)Y CHARG ' " |( "|(""My New Balance::I40)(DC39+C40I40)(D39+D40I40)(E39+E40I40)(F39+F40I40)(G39+G40I40)(H39+H40I40)(I39+I40I40) (DSUM(C41:I41)Y CHARG ( " |) "|)""LIAB. CHANGE ::I41))EC41-C40I41))D41-D40I41))E41-E40I41))F41-F40I41))G41-G40I41))H41-H40I41))I41-I40I41) )ESUM(C42:I42)Y CHARG ) " |* "|*""`CHANGE'Dscrp.::I42)*C39-C42I42)*D39-D42I42)*E39-E42I42)*F39-F42I42)*G39-G42I42)*H39-H42I42)*I39-I42I42) *J39-J42I42) * " |+ "|=+ '= + "=*, "|,""EXPENSE TOTAL vI42),B!`SUM(C47:C63)Y CHARG,SUM(D47:D63)Y CHARG,SUM(E47:E63)Y CHARG,BSESUM(F47:F63)Y CHARG,SUM(G47:G63)Y CHARG,SUM(H47:H63)Y CHARG,SUM(I47:I63)Y CHARG ,BuSUM(J47:J63)Y CHARG , " |- "|-""^ ^ ^ ^ ^ ^ ^ ^:J63)-!" ^ ^ ^ ^ ^ ^-!" ^ ^ ^ ^ ^ ^-!" ^ ^ ^ ^ ^ ^-!" ^ ^ ^ ^ ^ ^-!" ^ ^ ^ ^ ^ ^-!" ^ ^ ^ ^ ^ ^-!" ^ ^ ^ ^ ^ ^ -!" ^ ^ ^ ^ ^ ^ - " |^ . "|^ .!"Interest^ ^.P21.60 .B!`SUM(C47:I47)Y CHARG . " |/ "|/""Groc./Supplies7:I47) /SUM(C48:I48)Y CHARG / " |0 "|0""Clothing/Bedng8:I48)0P53.45 0BSESUM(C49:I49)Y CHARG 0 " |1 "|1!"Med/DntlSUM( 1SUM(C50:I50)Y CHARG 1 " |2 "|2!"Plant Maint. 2SUM(C51:I51)Y CHARG 2 " |3 "|3!"TaxesSUM( 3SUM(C52:I52)Y CHARG 3 " |4 "|4!"InsuranceUM( 4SUM(C53:I53)Y CHARG 4 " |5 "|5!"UtilitiesUM( 5SUM(C54:I54)Y CHARG 5 " |6 "|6!"Transport'n( 6SUM(C55:I55)Y CHARG 6 " |7 "|7""Cult/Educ/Vac'n:I55) 7SUM(C56:I56)Y CHARG 7 " |8 "|8""Gifts/Parties56:I56) 8SUM(C57:I57)Y CHARG 8 " |9 "|9!"LiquorSUM( 9SUM(C58:I58)Y CHARG 9 " |: "|:!"Dining OutM( :SUM(C59:I59)Y CHARG : " |; "|;""Invstmt Prop.59:I59) ;SUM(C60:I60)Y CHARG ; " |< "| "|=> '=>!"=!========M(>!"=!========M(>!"=!========M(>!"=!========M(>!"=!========M(>!"=!========M(>!"=!========M( >!"==ALL CRDSM( > "=*LL?""EXPENSE TOTAL v:I62)?!"SUM(C45:I45)?!"5) ===> $)?BuSUM(C45:I45)Y CHARG?!" MinusSUM(?!"J45 ===>SUM(?!"SUM(J47:J63)?!"3)=Dscrp.$) ?E64-J45I45)A"" SUM(A67:K67) ==> ABSUM(A67:K67)Y CHARG A!" OKAY?SUM(Bp2OKAYBp17KAYBp10KAYBp010AYBp10AYBp10AYBp10AYBp10AY Bp10AY Bp2AY/W C /T C =A1,=F44, =F61, /W H =D63,/GB; =B3,=B5, /T H =B33,/BC38:I38,/UC40:I40,/CC41:I41,C40,V /PC40:I40,/BC7:I62, ! ! ! =I3,/U L1:M61, /B L1:M61 =L4,/FC,46 " CREDIT CARDS TUTORIAL - placed in COLUMN `L' =L5, "`CRDFWD' - forwards `Previous Bal.' values =L6, "to `New Bal.' Cells & /Blanks transient data. =L7, " 1) Enter the new month's name & /Protect J3. =L8, " 2) Move to Cell I 3 & Check for YOUR name. =L9, " 3) Edit CREDIT CARD NAMES on rows 5 and 36. =L10, "NOTE: 2) & 3) may be omitted in future months. =L11, " Use `CRDS' to help ENTER transient data. =L13, " If you wish to study this macro, use Wordstar . /UJ3, =J3, TRY <= LEAN ON THE BACKARROW ( <== )TO DELETE THIS `FORMULA' <= The WordStar versions of .XQT for SuperCalc must begin action items in ROW 1, COL 1. ANY remarks can ONLY be made after the end of the action items. At the beginning of this macro: /W C /T C =A1,=F44, =F61, /W H =D63,/GB; =B3,=B5, /T H =B33,/BC38:I38,/UC40:I40,/CC41:I41,C40,V /BC7:I62, ! ! ! ! /UC40:I40 =I3,/U L1:M61, /B L1:M61 /W C means Window Clear; that may or may not be necessary. /T C means Titles Clear; /W H creates a narrow horizontal window to display the final discrepancy. /GB just removes borders from that lower window. ; toggles the cursor out of the lower window into the upper area. /T H creates a narrow upper `Title' window to work below. /BC38:I38 blanks a range of unprotected cells. /U etc unprotects a range of cells. /C etc copies the former `New Balance' to the current `Prv Balance' as values only - omitting any formulas. /B etc blanks the range of values you entered last month. /U etc unprotects those values ( probably unnecessary ) and the area where this .XQT printout is to appear. Q.E.D. /W C /T C =A1,=F44, =F61, /W H =D63,/GB; =B3,=B5, /T H =B33,/BC38:I38,/UC40:I40,/CC41:I41,C40,V /PC40:I40,/BC7:I62, ! ! ! =I3,/U L1:M61, /B L1:M61 /UJ3, =J3, CHNGS TUTCHNGS XQTCHX TUTCHX XQTCHXOPS CAL !"#$%&CHXOPS CAL'()CHXOPSOVCALF*+,-./012CLOZOPENTUT345CLOZOPENXQT6CRCRDS CALH789:;<=>?CRDFWD TUT@ACRDFWD $$$/GM/TC/WC/UAA,/BAA,=B30,=B5,/TB =E7,/WV=AA1,/FCAA,33 "/GM/WC/UAA,/BAA,=B30,=B5,/TB =AA2,"=E7,/WV=AA1,/FCAA,33 =AA3," DISPLAY TEXT: =AA4,"=AA6, ;=B22,=B5,/TB=C37,=C38 =AA5," =AA6,"`CRDS.TUT' places `WRKSHT X-REF' =AA7,"and 2 credit card NAMES left of a =AA8,"window with the cursor ready for =AA9,"an ENTRY. Scrolling down that =AA10,"column allows entry of all the =AA11,"transient transactions gleaned =AA12,"from a credit card statement. =AA13,"As before, data MUST be ENTERED =AA14,"by TYPE. Formulas are built- =AA15,"in to route most AMOUNT values =AA16,"to other CELLs for calculation ! =AA17,"NOTE: Some upward scrolling may =AA18," be appropriate on rare =AA19," occasions. =AA20,"Scroll right for each additional =AA21,"Credit Card. Then !!! calculate =AA22,"until Dscrp = O.OO in cell J64. =AA23,"They will all be summed for =AA24," later transfer to the =AA25,"`FINANCIAL OPERATING SUMMARY' =AA26,"of `CHXOPS__' when `SUMCRDS' is =AA27,"invoked, so SAVE as `CRCRDS.CAL'. =AA28,"For archiving, SAVE A 2nd TIME =AA29,"under a UNIQUE name such as =AA30," `1JANCR.CAL.' or whatever. =AA31," Okay? Take a Break! =AA32," =AA6, ;=B22,=B5,/TB=C37,=C38 wn that =AA10,"column allows entry of all the =AA11,"transient transactions gleaned =AA12,"from a credit card statement. =AA13,"As before, data MUST be ENTERED =AA14,"by TYPE. Formulas are built- =AA15,"in to route most AMOUNT values =AA16,"to other CELLs for calculation ! =AA17,"NOTE: Some upward scrolling may =AA18," be appropriate on rare =AA19," occasions. =AA20,"Scroll right for each additional =AA21,"Credit Card. Then !!! calculate =AA22,"until Dscrp = O.OO in cell J64. =AA23,"They will all be summed for =AA24," later transfer to the =/GM/TC/WC/UAA,/BAA,=B30,=B5,/TB=C37,=C38 BNKST TUT CASH TUT CASH XQT CHKLST TUT CHNGS TUTCHNGS XQTCHX TUTCHX XQTCHXOPS CAL !"#$%&CHXOPS CAL'()CHXOPSOVCALF*+,-./012CLOZOPENTUT345CLOZOPENXQT6CRCRDS CALH789:;<=>?CRDFWD TUT@ACRDFWD XQTBCRDS TUT CDCRDS $$$/UAA,/BAA,/WC/TC=G30,=G5,=K5,/FCAA,41 /WV =AA2, "/UAA/BAA,/WC/TC=G30,=G5,=K5,/FCAA,41 =AA3, "/WV=AA6,[TXT] =AA26,=AA6,;=G21,=G2,=I5, =AA6, "`DEP.TUT' PLACES "DEPOSITS" WORK AREA BY =AA7, "A WINDOW. THE CELLS I 5 & I 8 ARE DATA =AA8, "RECEIVED FROM OTHER CELLS. WITH =AA9, "YOUR BANKSTATEMENT AT HAND, LIST OTHER =AA10,"DEPOSITS IN CELLS H 9 THROUGH I 18. =AA11,"NEXT, TRY /X `CHX.TUT' TO ENTER =AA12,"WITHDRAWALS. (STUB YOUR CHECKS) OKAY? =AA13," LETS SPEND SOME MONEY ! =AA26, =AA6, ; =G21, =G2, =I5, CRDS TUT CDCRDS XQTEDEP $$$/UAA,/BAA,/WC/TC=G30,=G5,=I5, BNKST TUT CASH TUT CASH XQT CHKLST TUT CHNGS TUTCHNGS XQTCHX TUTCHX XQTCHXOPS CAL !"#$%&CHXOPS CAL'()CHXOPSOVCALF*+,-./012CLOZOPENTUT345CLOZOPENXQT6CRCRDS CALH789:;<=>?CRDFWD TUT@ACRDFWD XQTBCRDS TUT CDCRDS XQTEDEP TUTFDEP $$$ /UAA,/BAA,/WC/TC=Q25,=Q3, /TB=R7,=T9,/WV=AA1,/FCAA,36 =AA1,"/UAA,/BAA,/WC/TC=Q25,=Q3,/TB=R7,=T9, =AA2,"=AA1,/WV/UAA,[TXT]=AA7, ; /TC=Q30, =AA3,"=Q7,/TB=R9,/UR9:R15,/UR17:R35,/WS =AA4," =AA5," =AA6 ," =AA7 ,"`EARN.TUT' PLACES THE "CATEGORY", =AA8 ,""OPENING" & "CURRENT" WORK AREAS =AA9 ,"BY A WINDOW WITH THE CURSOR SET =AA10,"FOR AN ENTRY! IF DATA ALREADY =AA11,"EXISTS, EITHER PROTECT OR REFINE =AA12,"IT. IF NOT, ENTER HYPOTHETICAL, =AA13,"APPROXIMATE OR EXACT DATA FOR YOUR =AA14,"EARNINGS, CHANGE TEXT IN COLUMN Q =AA15,"AS NECESSARY, KEEPING IN MIND THAT =AA16,"`FORMULA' CELLS LIKE S39 SEND DATA =AA17,"TO SPECIFIC RELATED CELLS, SO IF =AA18,"ONE "CATEGORY" ITEM IS CHANGED,THE =AA19,"RELATED CELLS SHOULD BE INSPECTED. =AA20," =AA21,"=> R19 AND TREAT DEDUCTION DATA =AA22,"SIMILARLY. /Protect COLUMNS Q & R. =AA23,"NOW => R39 BY "NET PAYOFF" AND =AA24," =AA39," CALCULATE ! ! THE RESULTS. =AA40,"NEXT -- LETS GO MAKE SOME DEPOSITS =AA41," OR WRITE SOME CHECKS: =AA42,"TYPE /X DEP OR CHX.TUT -- OKAY? =AA7, ; /TC=Q30, =Q7,/TB=R9,/UR9:R15,/UR17:R35,/WS AN ENTRY! IF DATA ALREADY =AA11,"EXISTS, EITHER PROTECT OR REFINE =AA12,"IT. IF NOT, ENTER HYPOTHETICAL, =AA13,"APPROXIMATE OR EXACT DATA FOR YOUR =AA14,"EARNINGS, CHANGE TEXT IN COLUMN Q =AA15,"AS NECESSARY, KEEPING IN MIND THAT =AA16,"`FORMULA' CELLS LIKE S39 SEND DATA =AA17,"TO SPECIFIC RELATED CELLS, SO IF =AA18,"ONE "CATEGORY" ITEM IS CHANGED,THE =AA19,"RELATED CELLS SHOULD BE INSPECTED. =AA20," =AA21,"=> R19 AND TREAT DEDUCTION DATA =AA22,"SIMILARLY. /Protect COLUMNS Q /UAA,/BAA,/WC/TC=Q25,=Q3,/TB=R9, BNKST TUT CASH TUT CASH XQT CHKLST TUT CHNGS TUTCHNGS XQTCHX TUTCHX XQTCHXOPS CAL !"#$%&CHXOPS CAL'()CHXOPSOVCALF*+,-./012CLOZOPENTUT345CLOZOPENXQT6CRCRDS CALH789:;<=>?CRDFWD TUT@ACRDFWD XQTBCRDS TUT CDCRDS XQTEDEP TUTFDEP XQTGEARN TUT HIEARN $$$/UAA,/BAA,/WC/TC =H3,=H43,=L43,/WV =AA1,"/UAA,/BAA,/WC/TC =AA2,"=H3,=H43,=L43,/WV =AA3,"`EXP.TUT' should be =AA4," replaced by: =AA5," `CHNGS.TUT' =AA6, =AA7," Sorry about that ! =AA27, =AA3,;; ;=I47,=A1,;; /WC/TC=K25,=K5,/TB=N6,/WV /UAA,/BAA,/FC,36, = AA1 , "/WC/TC=K25,=K5,/TB=N6,/WV = AA2 , "/UAA,/BAA,/FC,36, [TXT] = AA3 , "=AA8, ; =K25,=K5,/TB=M7,/PAA, = AA7 , " DISPLAY TEXT: = AA8 , " "CHNGS.TUT" PLACES THE "CATEGORY", = AA9 , ""OPENING" & "CHANGES" WORK AREAS =AA10, "LEFT OF A WINDOW WITH CURSOR AT M7 =AA11, "FOR AN INSPECTION OF FORMULAS WHICH =AA12, "CALCULATE CHANGES TO FINANCIAL OPER- =AA13, "ATIONS AFFECTING NET WORTH. IT ALSO =AA14, "PROVIDES FOR INSPECTION OF FORMULAS =AA15, "FOR CALCULATING THIS MONTH'S EXPENSE =AA16, "RECORD -- AUTOMATICALLY. =AA17, " Manual /Editing may or may not be =AA18, "needed for `ASSET' & `LIABILITY' =AA19, "cells in the `CHANGES' column: =AA20, "Examples: Cursor each cell & note: =AA21, " M7 is fed by I22 only. =AA22, " M8 is fed & shows `+0' so you may =AA23, "need to /Edit an additional cell or =AA24, "an exact value in rare cases. It may =AA25, "be a cash disbursement, or a portion =AA26, "of a check transaction. The `0' is =AA27, "just a reminder when troubleshooting =AA28, "that transient data may be appropri- =AA29, "ate. Scanning these at the start of =AA30, "each month & deleting transient data =AA31, "if it exists, will be necessary. =AA33, " Cell assignments exist for most =AA34, "`CHANGES', such as mortgages, but =AA35, "when new liabilities are incurred, =AA36, "new assignments must be added. For =AA37, "example a `__Sgn Note' should have a =AA38, "`-F'cell assigned; What F cell? Well, =AA39, "we're a little short of those - but =AA40, " CHEX work area can be modified: =AA41, "definitions &/or formulas if that is =AA42, "appropriate, or use block B59:F59 to =AA43, "build text & formulas. Assign that =AA44, "`-F' cell to the M cell. Test it. =AA45, "An `I' cell can be assigned by /Edit- =AA46, "ing to add to M39 {INCOME}. Then, =AA47, " BUZZ ON DOWN THROUGH M62 =AA48, " They're fed by other cells only. IF =AA49, "you've changed ANYTHING, /X SAVE.TUT =AA50, " THEN, TAKE A BREAK ! OKAY? =AA8, ; =K25,=K5,/TB=M7,/PAA,  " Cell assignments exist for most =AA34, "`CHANGES', such as mortgages, but =AA35, "when new liabilities are incurred, =AA36, "new assignments must be added. For =AA37, "example a `__Sgn Note' should have a =AA38, "`-F'cell assigned; What F cell? Well, =AA39, "we're a little short of those - but =AA40, " CHEX work area can  /UAA,/BAA,/WC/TC =H3,=H43,=I47, BNKST TUT CASH TUT CASH XQT CHKLST TUT CHNGS TUTCHNGS XQTCHX TUTCHX XQTCHXOPS CAL !"#$%&CHXOPS CAL'()CHXOPSOVCALF*+,-./012CLOZOPENTUT345CLOZOPENXQT6CRCRDS CALH789:;<=>?CRDFWD TUT@ACRDFWD XQTBCRDS TUT CDCRDS XQTEDEP TUTFDEP XQTGEARN TUT HIEARN XQTJEXP TUTKLMEXP $$$/UAA,/BAA,/WC/TC=G30,=G5,/TB=G22,=I36,/WH=AA1,/GB/FC,76, =AA2,"`FF.TUT" places the False Floor working area above a window & just =AA3,"beside the category `FlseFlrNotIncl:' section which it feeds. =AA4,"This provides an optional storage area for a reserve checking account =AA5,"cushion. Why? There are two purposes: 1) It reduces the likliehood =AA6,"of checking account overdrafts & the consequent costs. 2) It allows =AA7,"acquisition of reserve funds for unexpected occasions &/or situations =AA8,"of your choice. What should its sources be? Well, that's up to you, =AA9,"but occasional unexpected credits or refunds, pay for jury duty, small =AA10,"non-taxable debt repayments etc. all of which are actual deposits, but =AA11,"which need not be accounted for, and which may be withdrawn likewise, =AA12,"provide funds for this so-called false floor. Note that I 29 feeds only =AA13,"cell M 23, and NOT your ASSET, INCOME or NET WORTH `CHANGES' cells ! =AA14,"Notice that the `Subtotal' formula in cell I 35 subtracts `FWD FF:', =AA15,"result in cell (I 30). That means the reconcilliation discrepancy =AA16,"based on that subtotal, does NOT include the false floor cushion. =AA17,"ENTER both deposits and checks of the FF type in cells G25 thru I 28 =AA18,"and think of it as a rainy day fund &/or an extracurricular Christmas Club. =AA19,"Remember, it's optional. Have fun with it if you wish, & TAKE A BREAK ! =AA2, ; =H25 ected occasions &/or situations =AA8,"of your choice. What should its sources be? Well, that's up to you, =AA9,"but occasional unexpected credits or refunds, pay for jury duty, small =AA10,"non-taxable debt repayments etc. all of which are actual deposits, but =AA11,"which need not be accounted for, and which may be withdrawn likewise, =AA12,"provide funds for this so-called false floor. Note that I 29 feeds only =AA13,"cell M 23, and NOT your ASSET, INCOME or NET WORTH `CHANGES' cells ! =AA14,"/UAA,/BAA,/WC/TC=G30,=G5,/TB=G22,=H26, BNKST TUT CASH TUT CASH XQT CHKLST TUT CHNGS TUTCHNGS XQTCHX TUTCHX XQTCHXOPS CAL !"#$%&CHXOPS CAL'()CHXOPSOVCALF*+,-./012CLOZOPENTUT345CLOZOPENXQT6CRCRDS CALH789:;<=>?CRDFWD TUT@ACRDFWD XQTBCRDS TUT CDCRDS XQTEDEP TUTFDEP XQTGEARN TUT HIEARN XQTJEXP TUTKLMEXP XQTNFF TUT OPFF $$$ /WC/TC=K25,=K5,/TB=N6,/WV/WS /UAA,/BAA22:AA55,=AA6,/FC,36, =AA23,"`LIAB.TUT' IS FOR `OPENING' VALUES. =AA24,"OMIT THIS TUTORIAL IN FUTURE MONTHS. =AA25,"IF DATA ALREADY EXISTS, /Protect `L' =AA26," =AA27,"TREAT "LIABILITY" DATA SIMILARLY TO =AA28,"ASSETS DATA, BUT: EXACT VALUES FOR =AA29,"DEBTS IN COLUMN L & PRECISE INTEREST =AA30,"RATE FORMULAS IN CELLS D19:D22 ARE =AA31,"NECESSARY TO CORRECTLY ALLOCATE =AA32,"REGULAR MONTHLY LOAN PAYMENTS TO =AA33," EXPENSES [INTEREST] AND =AA34," LIABILITIES [PRINCIPAL]. =AA35,">> `CHX.TUT' COVERS CELLS D19:D22 << =AA36,"CURSOR DOWN TO L37 BY "NET WORTH". =AA37,"CALCULATE !!! THE RESULTS. THEN: =AA38,"WHEN JUST BEGINNING, "EXPENSES" ARE =AA39,"ZERO, SO CELLS L43 & L47:L62 SHOULD =AA40,"BE `0.00'. IF NOT, /Blank THEM AT =AA41,"THE BEGINNING OF EACH JANUARY. =AA42,"THEY WILL BE FED DATA VALUES WITH =AA43,"/X CLOZOPEN (XQT or TUT) EACH MONTH. =AA44,"FOR NOW, LETS GO GET SOME INCOME: =AA45,"FIRST, /Protect COLUMNS K & L, THEN, =AA46," TYPE /X EARN.TUT OR TRY: =AA47,"/X SAVE.TUT & TAKE A BREAK! OKAY? =AA48," {macro follows below} = AA49 ,"/WC/TC=K25,=K5,/TB=N6,/WV/WS = AA50 ,"/UAA,/BAA22:AA55,=AA6,/FC,36, = AA51 ,"[TEXT],=AA23, /TH ;=K25,=K5, = AA52 ,"/TB=L32,=L24,=L25,/UL25:L32, =AA23,/TH ; =K25,=K5, /TB=L32,=L24,=L25,/UL25:L32, < =AA36,"CURSOR DOWN TO L37 BY "NET WORTH". =AA37,"CALCULATE !!! THE RESULTS. THEN: =AA38,"WHEN JUST BEGINNING, "EXPENSES" ARE =AA39,"ZERO, SO CELLS L43 & L47:L62 SHOULD =AA40,"BE `0.00'. IF NOT, /Blank/WC/TC=K25,=K5,/TB=L32,=L25, BNKST TUT CASH TUT CASH XQT CHKLST TUT CHNGS TUTCHNGS XQTCHX TUTCHX XQTCHXOPS CAL !"#$%&CHXOPS CAL'()CHXOPSOVCALF*+,-./012CLOZOPENTUT345CLOZOPENXQT6CRCRDS CALH789:;<=>?CRDFWD TUT@ACRDFWD XQTBCRDS TUT CDCRDS XQTEDEP TUTFDEP XQTGEARN TUT HIEARN XQTJEXP TUTKLMEXP XQTNFF TUT OPFF XQTQLIAB TUTRSLIAB $$$/WC/TC=A25,=A1,/TH =E4, /WH/UAA,/BAA,=AA1,/FC,52, = AA1 , "/WC/TC=A25,=A1,/TH =E4, = AA2 , "/WH/UAA,/BAA,=AA1,/FC,52, = AA3 , "[TXT] =AA25,=AA6,/TH = AA4 , "; =I22, =I3, /U3, /E = AA5 , "TUTORIAL NOTES: = AA6 , ""MNTH1.TUT" Puts CURSOR in CELL I 3 and EDIT mode. = AA7 , "1st Rename the month in just that CELL. = AA8 , "2nd Use /X `MNTH2' to complete the update. = AA9 , "It simply copies the new month into two more CELLS =AA10 , "and re-protects Row 3. Okay ? =AA11 , "Next, use `ASSTS.TUT' if this is the first month. =AA12 , "If OPENING & CLOSING values already exist, =AA13 , "use `CLOZOPEN.TUT' unless it has already been used. =AA14 , "Then use `CHX.TUT' or `SAVE.TUT' & TAKE A BREAK ! =AA25,=AA6,/TH ; =I22, =I3, /U3, /E /UAA,/BAA,/WC/TC=I25, =I3, /U3, /E /U3,/CI3,N3,,V /CI3,T3,,V /P3 =T3, =H3 /UAB,/BAB,/WC/TC =J43,=J45,/TH=J63,=J66,/WH/GB=AB1,/FC,76 "/UAB,/BAB,/WC/TC =J43,=J45,/TH=J63,=J66,/WH/GB=AB1,/FC,76 =AB1 ,"/UAB,/BAB,/TC =J43,=J45,/TH=J63,=J66,/WH/GB=AB1,/FC,76 =AB2 ,"`OPSTRBL.TUT' /Title H's & /Window H's & cursors to M64 to show =AB3 ,"EXPENSE TOTAL ^ calculated automatically from above by formulas, =AB4 ,"EXPENSE TOTAL v similarly calculated from below as well as =AB5 ,"^=XPNS SUM DSCRP=v: $ amount; its formula is on screen below & =AB6 ," is the difference between those two cell results. =AB7 ,"<=XPNS SUM DSCRP=>: $ is a horizontal calculation, and =AB8 ," an unlabelled cell N64 is just a copy of CashSumDscrp. =AB9 ," IF ANY of those cells are NOT `.00" =AB10," their sources MUST be checked and corrected. =AB11,"`;' into this window to make corrections so the upper screen will =AB12," continuously show the results of each ! calculation. =AB13,"`=>' AB6 when ready to return to this tutorial. =AB14,"Example: If M64 is $ -200.00 study CHANGES of INCOME: M39 =AB15,"to see if a DEPOSIT CELL should be /Edited into its formula. =AB16,"After entering any changes or corrections, ! ! calculate. =AB17,"If unable to find the error, either /Save, /X SAVE, or =AB18,"enter cell M64's amount in a `YouNameIt' cell such as M8 =AB19,"eliminate the discrepancy and keep for later reference. =AB20," THEN save the file -- Okay? LETS TAKE A BREAK ! =AB21, =AB22, =AB23, =AB24, =AB2, ; =M64 4 is just a copy of CashSumDscrp. =AB9 ," IF ANY of those cells are NOT `.00" =AB10," their sources MUST be checked and corrected. =AB11,"`;' into this window to make corrections so the upper screen will =AB12," continuously show the results of each ! calculation. =AB13,"`=>' AB6 when ready to return to this tutorial. =AB14,"E/WC /TC =J43,=J45,/TH=J63,=J66,/WH ; =M64 OPSTRBL $$$ /GB/WC/TC/UAA,/BAA,/FCAA,48 =AA1, " B | C | D | E | F |G| H | I | =AA2, "*=============================*================= =AA3, "| MONTHLY CHECK RECORD | =AA4, "|=============================|================= =AA5, "| PAYEE AMT EXP TYPE AL&C |OP'N BAL:$ =AA6, "|=======|====|====|=====|=====|================= =AA7, "| | "DEP" =AA8, "| | = DEPOSITS W/A =AA9, "| |----------------- =AA10,"| |DEP & CHX SUMS & =AA11,"| "CHX.XQT" |CLOSNG BAL:$ =AA12,"| |----------------- =AA13,"| | "FF" = =AA14,"| |FALSE FLOOR W/A =AA15,"| = |----------------- =AA16,"| |"BS"= BankStmnt =AA17,"| |RECONCILLIATION =AA18,"| CHECKS  |----------------- =AA19,"| |AllCreditCardPmts =AA20,"| WORKING |RECONCILLIATION =AA21,"| |----------------- =AA22,"| AREA | =AA23,"| | "EXP" = =AA24,"| | =AA25,"| | EXPENSES =AA26,"| | =AA27,"| | WORKING =AA28,"| | =AA29,"| | AREA =AA30,"|=============================|================= =AA31,"| "TRBL.XQT" =CHECK & CASH DISCREPANCIES W/A =AA34,""OV.TUT" PUTS THE TOP HALF OF REPORT #1, GENERAL =AA35,"TO SEE THE LOWER HALF => AA17. [;] TO THIS WINDO =AA36," CURSOR RIGHT TO COLUMN AB TO SCAN REPORT #2 & B =AA37," Macro: /GB/WC/TC/UAA,/BAA,/FCAA,76=AA1,[TXT] /PAA, /WC/TC/UAB,/BAB,/FCAB,27 =AB1, "J| K | L | M | N | =AB2, "*=========================* =AB3, "| FINANCIAL OPER-SUMMARY | =AB4, "|=========================| =AB5, "|CAT'GRY OPEN CHANGE CLOSE| =AB6, "|=======|====|======|=====| =AB7, "| | =AB8, "| "ASSTS" | =AB9, "| = ASSETS WORK AREA | =AB10,"| | =AB11,"| | =AB12,"| FalseFloor Reserve | =AB13,"| | =AB14,"| "LIAB" | =AB15,"| = LIABILITY WORK AREA | =AB16,"| | =AB17,"| | =AB18,"| NET WORTH:$ | =AB19,"| INCOME:$ | =AB20,"| CAPITAL INVESTMENT:$ | =AB21,"| | =AB22,"|-------------------------| =AB23,"|  | =AB24,"| EXPENSE | =AB25,"| | =AB26,"| SUMMATIONS:$ | =AB27,"| | =AB28,"| | =AB29,"| | =AB30,"|=========================| =AB31,"|"OPSTRBL"=ExpSumDscrp:$ | =AB34,"LAYOUT ON SCREEN. =AB35,"W FOR TUTORIAL INFORMATION =AB36,"ACK TO HERE FOR REPORT #1. =AB37,"=AA1,=AA17,/WH;=AA1 /PAB, /GB/WC/TC/UAC,/BAC,/FCAC,49 =AC1, "| K | L | M | N || Q | R | S | =AC2, "*=========================*._____________________ =AC3, "| FINANCIAL OPER-SUMMARY || EARNINGS STATEME =AC4, "|=========================||~~~~~~~~~~~~~~~~~~~~~ =AC5, "|CAT'GRY OPEN CHANGE CLOSE|| ~~~~~~~~~~~~~~~~~~~ =AC6, "|=======|====|======|=====||CATEGORY OPEN CURRENT =AC7, "|  ||========|====|======= =AC8, "| "ASSTS" || =AC9, "| = ASSETS WORK AREA || =AC10,"| || =AC11,"| || "EARN.XQT" =AC12,"| FalseFloor Reserve || =AC13,"| || = =AC14,"| "LIAB" || =AC15,"| = LIABILITY WORK AREA || PAYROLL COMPONEN =AC16,"| || =AC17,"| || INCLUDING DISTRIBUT =AC18,"| NET WORTH:$ || =AC19,"| INCOME:$ || DEDUCTIONS & ALLOT =AC20,"| CAPITAL INVESTMENT:$ |!_____________________ =AC21,"| |Notes to Self: =AC22,"|-------------------------| =AC23,"| |  =AC24,"| EXPENSE | =AC25,"| | =AC26,"| SUMMATIONS:$ | =AC27,"| | =AC28,"| | =AC29,"| | =AC30,"*=========================*====================== =AC34, ""OV.TUT" PUTS THE TOP HALF OF A GENERAL LAYOUT OF =AC35, "TO SEE THE LOWER HALF => AB17. [;] TO THIS WINDO =AC36, "Report #2 omits the detailed CHECK RECORD for pri =AC37, "FINANCIAL OPERATING SUMMARY and shows an updated =AC38, "the summary portion of the credit card worksheet =AC39, "automatically feed data to CHXOPS.CAL, as it is [ =AC40, " /WC/TC/UAB,/BAB,/FCAB,76=AB1,[TXT]=AB1,=AB17,/ /PAC, /GB/WC/TC/UAD,/BAD,/FCAD,26 =AD1, " T || W | X || =AD2, "________.*===============* =AD3, "NT || | =AD4, "~~~~~~~~||===============| =AD5, "~~~~~~ ||WRKSHT X-REF | =AD6, " YRTODAT||===============| =AD7, "|=======|| | =AD8, " || | =AD9, " || | =AD10," || | =AD11," || | =AD12," || "CRDSUM.XQT" | =AD13," || | =AD14," || = | =AD15,"TS || | =AD16," || DATA LOADED | =AD17,"ION OF || | =AD18," || FROM | =AD19,"MENTS || | =AD20,"________!| "CRCRDS.CAL" | =AD21," | | =AD22," | | =AD23," | | =AD24," | | =AD25," | | =AD26," | | =AD27," | | =AD28," | | =AD29," | | =AD30,"=========*===============* =AD34," "REPORT #2" ON SCREEN. =AD35,"W FOR TUTORIAL INFORMATION. =AD36,"vacy, duplicates the =AD37,"EARNING STATEMENT plus =AD38,"CRCRDS.CAL used to =AD39,"!] calculated. =AD40,"WH;=AD1 /PAD,=AD1,=AD17,/WH/WS=AD34, ;=AA1,=AA16, ," || | =AD14," || = | =AD15,"TS || | =AD16," || DATA LOADED | =AD17,"ION OF || | =AD18," || FROM | =AD19,"MENTS || | =AD20,"________!| "CRCRDS.CAL" | =AD21," | | =AD22," | | =AD23," | | =AD24," | | =AD25," | | =AD26," | | =AD27," | | =AD28," | | =AD29," | | =AD30,"======== /GB/WC/TC/UAA,/BAA,/FCAA,76 =AA1, " B | C | D | E | F |G| H | I |J| K | L | M | N =AA2, "*=============================*=================*=========================* =AA3, "| MONTHLY CHECK RECORD | | FINANCIAL OPER-SUMMARY | =AA4, "|=============================|=================|=========================| =AA5, "| PAYEE AMT EXP TYPE AL&C |OP'N BAL:$ |CAT'GRY OPEN CHANGE CLOSE| =AA6, "|=======|====|====|=====|=====|=================|=======|====|======|=====| =AA7, "| | "DEP" | | =AA8, "| | = DEPOSITS W/A | "ASSTS" | =AA9, "| |-----------------| = ASSETS WORK AREA | =AA10, "| |DEP & CHX SUMS & | | =AA11, "| "CHX.XQT" |CLOSNG BAL:$ | | =AA12,  "| |-----------------| FalseFloor Reserve | =AA13, "| | "FF" = | | =AA14, "| |FALSE FLOOR W/A | "LIAB" | =AA15, "| = |-----------------| = LIABILITY WORK AREA | =AA16, "| |"BS"= BankStmnt | | =AA17, "| |RECONCILLIATION | | =AA18, "| CHECKS |-----------------| NET WORTH:$ | =AA19, "| |AllCreditCardPmts| INCOME:$ | =AA20, "| WORKING |RECONCILLIATION | CAPITAL INVESTMENT:$ | =AA21, "| |-----------------| | =AA22, "| AREA | |-------------------------| =AA23, "| | "EXP" =  | | =AA24, "| | | EXPENSE | =AA25, "| | EXPENSES | | =AA26, "| | | SUMMATIONS:$ | =AA27, "| | WORKING | | =AA28, "| | | | =AA29, "| | AREA | | =AA30, "|=============================|=================|=========================| =AA31, "| "TRBL.XQT" =CHECK & CASH DISCREPANCIES W/A |"OPSTRBL"=ExpSumDscrp:$ | =AA34, ""OV.TUT" PUTS THE TOP HALF OF REPORT #1, GENERAL LAYOUT ON SCREEN. =AA35, "TO SEE THE LOWER HALF => AA17. [;] TO THIS WINDOW FOR TUTORIAL INFORMATION =AA36, " CURSOR RIGHT TO COLUMN AB TO SCAN REPORT #2 & BACK TO HERE FOR REPORT #1. =AA37, "  Macro: /GB/WC/TC/UAA,/BAA,/FCAA,76=AA1,[TXT]=AA1,=AA17,/WH;=AA1 =AA38, " =AA39, " /PAA, /WC/TC/UAB,/BAB,/FCAB,76 =AB1, "|| K | L | M | N || Q | R | S | T || W | X || =AB2, "*=========================*._____________________________.*===============* =AB3, "| FINANCIAL OPER-SUMMARY || EARNINGS STATEMENT || | =AB4, "|=========================||~~~~~~~~~~~~~~~~~~~~~~~~~~~~~||===============| =AB5, "|CAT'GRY OPEN CHANGE CLOSE|| ~~~~~~~~~~~~~~~~~~~~~~~~~ ||WRKSHT X-REF | =AB6, "|=======|====|======|=====||CATEGORY OPEN CURRENT YRTODAT||===============| =AB7, "| ||========|====|=======|=======|| | =AB8, "| "ASSTS" || || | =AB9, "| = ASSETS WORK AREA || || | =AB10, "| || || | =AB11, "| || "EARN.XQT" || | =AB12, "| FalseFloor Reserve || || "CRDSUM.XQT" | =AB13, "| || = || | =AB14, "| "LIAB" || || = | =AB15, "| = LIABILITY WORK AREA || PAYROLL COMPONENTS || | =AB16, "| || || DATA LOADED | =AB17, "| || INCLUDING DISTRIBUTION OF || | =AB18, "| NET WORTH:$ || || FROM | =AB19, "| INCOME:$ || DEDUCTIONS & ALLOTMENTS || | =AB20, "| CAPITAL INVESTMENT:$ |!_____________________________!| "CRCRDS.CAL" | =AB21, "| |Notes to Self: |  | =AB22, "|-------------------------| | | =AB23, "| | | | =AB24, "| EXPENSE | | | =AB25, "| | | | =AB26, "| SUMMATIONS:$ | | | =AB27, "| | | | =AB28, "| | | | =AB29, "| | | | =AB30, "*=========================*===============================*===============* =AB34, ""OV.TUT" PUTS THE TOP HALF OF A GENERAL LAYOUT OF "REPORT #2" ON SCREEN. =AB35, "TO SEE THE LOWER HALF => AB17. [;] TO THIS WINDOW FOR TUTORIAL INFORMATION. =AB36, "Report #2 omits the detailed CHECK RECORD for privacy, duplicates the =AB37, "FINANCIAL OPERATING SUMMARY and shows an updated EARNING STATEMENT plus =AB38, "the summary portion of the credit card worksheet CRCRDS.CAL used to =AB39, "automatically feed data to CHXOPS.CAL, as it is [!] calculated. =AB40, " /WC/TC/UAB,/BAB,/FCAB,76=AB1,[TXT]=AB1,=AB17,/WH;=AB1 /PAB,=AB1,=AB17,/WH/WS=AB34, ;=AA1,=AA16,  | | =AB28, "| | | | =AB29, "| | | | =AB30, "*=========================*===============================*===============* =AB34, ""OV.TUT" PUTS THE TOP HALF OF A GENERAL LAYOUT OF "REPORT #2" ON SCREEN. =AB35, "TO SEE THE LOWER HALF => AB17. [;] TO THIS WINDOW FOR TUTORIAL INFORMATION. =AB36, "Report #2 omits the detai/O DA1:N65, SL86 W150 S OPSTRBL XQTZOV01 TUT;[\]^_`abOVEX TUT4cdefghiRPT1 $$$/O DK2:Y63 P OPSTRBL XQTZOV01 TUT;[\]^_`abOVEX TUT4cdefghiRPT1 XQTjRPT2 $$$/WC/TC=A25,=A1,/TH =E4, /WH/UAA,/BAA,=AA1,/FC,76, = AA1 ," TUTORIAL ON PRINTING WORKSHEET FILES = AA2 ," *=====================================* = AA3 ," | `RPTS.TUT' is just a briefing. | = AA4 ," | It could not be combined with the | = AA5 ," | report printing macros `RPT1' and | = AA6 ," | `RPT2' because they monopolize the | = AA7 ," | screen. Read those with Wordstar. | = AA8 ," *=====================================* = AA9 ,"RPT1.XQT prepares to `Output' page 1, but requires that you send code = AA10,"for compressed print and an escape sequence for 8 lines per inch. To = AA11,"do that, type: `S' for manual setup (when `RPT1' stops) = AA12," `CTRL O' for compressed print (that's a letter O) = AA13," `ESC' `0' for 8 lines per inch. (that's a zero ) = AA14," to send that code to the printer = AA15," `P' to Print the report's first page. = AA16,"That works for the HP-THINKJET printer if it is the first `code' sent = AA17,"after the printer was turned ON. Your printer may require different = AA18,"code. `RPT2.XQT' need no new code, assuming the printer has been left = AA19,"ON, and proceeds to print the report's second page. Okay ? = AA20,"With the printer ON, jot those codes down, /GBorders ON or OFF as you = AA21,"prefer, then, try /X RPT1, reposition paper to TOP OF FORM, /X RPT2. = AA22," GO FOR IT -- GOOD LUCK -- HAVE FUN (and all that stuff) = AA1, = AA16, PT1' stops) = AA12," `CTRL O' for compressed print (that's a letter O) = AA13," `ESC' `0' for 8 lines per inch. (that's a zero ) = AA14," to send that code to the printer = /WC/TC=A25,=A1,/TH =E4, /WH/UAA,/BAA,=AA1,/FC,52, = AA1, "/WC/TC=A25,=A1,/TH =E4, = AA2, "/WH/UAA,/BAA,=AA1,/FC,52, = AA3, "[TXT] =AA25,=AA6,/TH = AA4, "; =A1, /UA1, /E = AA5, "TUTORIAL NOTES: SAVING WORKSHEET FILES & REVISIONS = AA6, ""SAVE.TUT" Puts the CURSOR in CELL A1 & EDIT mode = AA7, "After reading this `.TUT' /D(elete) C(OLUMN)s AA = AA8, "through AD, & /W(indow) C(lear) to save memory space. = AA9, "1st Change Filename to newly chosen one so old one = AA10, " will NOT be Overwritten. = AA11, "2nd Change Revision Date so SuperCalc Directory will = AA12, " be updated. = AA13, "3rd When through Editing, /Save the Worksheet to = AA14, " either that NAME, or a temporary one. That = AA15, " should be done frequently so a power failure = AA16, " won't ERASE your efforts. = AA17, "4th Whenever current worksheet is completed, it = AA18, " should be saved to its permanent name. = AA19, "5th Print Reports with `RPTS.TUT' or = AA20, " `RPT1.XQT' & `RPT2.XQT'. = AA21, "6th Revise & reprint after proofreading. = AA22, "7th Use /X`CLOZOPEN' to transfer CLOSING results = AA23, " to OPENING Values; then SAVE that new file. =AA6,/TH ; =A1, /UA1, /E  Revision Date so SuperCalc Directory will = AA12, " be updated. = AA13, "3rd When through Editing, /Save the Worksheet to = AA14, " either that NAME, or a temporary one. That = AA15, " should be done frequently so a power failure = AA16, " won't ERASE your efforts. = AA17, /WC/TC/UZ,/BZ,=X1, /UX1:X73,/BX1:X73,/FCW,15 /LCRCRDS,PJ1:J63,,V =U36,!!=G36,=J36,/WV/GB =W36,=Z36,/FC,17 =Z26,"/UX1:X73,/BX1:X73, =Z27,"/FCW,15 =Z28,"/LCRCRDS, =Z29,"PJ1:J63,,V =Z30,"=U36,!!=G36,=J36, =Z31,"/WV/GB =Z32,"=W36,=Z36,/FC,17 =Z33,"[TXT] =W36,=Z36, =Z34," =Z35," =Z36,"SUMCRDS.TUT has =Z37,"/Loaded Part of =Z38,"file CRCRDS.CAL =Z39,"in COLs W and X. =Z40,"It then ! ! calc- =Z41,"ulated RESULTS & =Z42,"placed the CrCrds =Z43,"work area in COLs =Z44,"H and I in the =Z45,"left part of the =Z46,"screen, plus a =Z47,"section of COLs =Z48,"X & Y in the cen- =Z49,"ter with /Window =Z50,"Vertical, leaving =Z51,"space for this =Z52,"note. Study the =Z53,"results shown and =Z54,"those in CELL C17 =Z55,"and CELL C18 for =Z56,"correctness to be =Z57,"sure the right =Z58,"checks have been =Z59,"included before =Z60,"and after the =Z61,"Bank Statement =Z62,"Closing Date. =Z63," That completes =Z64,"the SUMCRDS part. =Z65,"Try /X `CASH.TUT' =Z66,"next or /X `SAVE' =Z67,"after /B(lank) Z, =Z68,"& TAKE A BREAK! =Z69," =Z70," =Z71," =W36,=Z36, 17 =Z33,"[TXT] =W36,=Z36, =Z34," =Z35," =Z36,"SUMCRDS.TUT has =Z37,"/Loaded Part of =Z38,"file CRCRDS.CAL =Z39,"in COLs W and X. =Z40,"It then ! ! calc- =Z41,"ulated RESULTS & =Z42,"placed the CrCrds =Z43,"work area in COLs =Z44,"H and I in the =Z45,"left part of the =Z46,"screen, plus a =Z47,"section of COLs =Z48,"X & Y in the cen- =Z49,"ter with /Window =Z50,"Vertical, leaving =Z51,"space for this =Z52,"note. Study the =Z53,"results shown and =Z54,"those in CELL C17 =Z55,"and CELL C18 for =Z56,"correctness to be =Z57,"sure the right =Z58,"checks have been =Z59,"included before =Z60,"and after the =Z61,"Bank Statement =Z62,"Closing Date. =Z63," That completes =Z64,"the SUMC/UAA,/UAB,/BAA,/BAB,=X1,/UX1:X73,/BX1:X73 /FCW,15 /LCRCRDS,PJ1:J63,,V =U36,!! OPSTRBL XQTZOV01 TUT;[\]^_`abOVEX TUT4cdefghiRPT1 XQTjRPT2 XQTkRPTS TUTlmSAVE TUT noSUMCRDS TUT pqSUMCRDS $$$/WC/TC/UAA,/BAA,=AA1,=B5,/TH=B10,/WH=AA1,/FC,76 ;=B62, ; =AA1 ," TUTORIAL NOTES: *** TROUBLESHOOTING DISCREPANCIES *** =AA2 ,"`TRBL.TUT' places Row 5 & Rows 62:65 above this Window. =AA3 ,"It shows Columns B:I headings, and the resulting SUMS. Since the =AA4 ,"TOTAL must equal the SUM of its parts, discrepancies equal zero when =AA5 ,"the spreadsheet results are correct. If a miscalculation results from =AA6 ,"a bad formula, or from bad data, that can be detected in the Dscrp =AA7 ,"work areas. `ChxSumDscrp' shows the difference between the AMOUNTs and =AA8 ,"the component EXPENSE + A L & C parts that should TOTAL those AMOUNTS. =AA9 ,"Studying the formulas of each discrepancy enables troubleshooting them. =AA10,"Similarly, CashDscrp =.OO when the cash AMOUNT total has been disbursed. =AA11,"`;' into this window and `=>' whatever cell you wish, to change formulas. =AA12,"That keeps the DSCRP work area in view to show recalculation RESULTS. =AA13,"`=>' AA1 to return. Use `OPSTRBL.TUT' for monthly expense discrepancies. ; =C64, PANCIES *** =AA2 ,"`TRBL.TUT' places Row 5 & Rows 62:65 above this Window. =AA3 ,"It shows Columns B:I headings, and the resulting SUMS. Since the =AA4 ,"TOTAL must equal the SUM of its parts, discrepancies equal zero when =AA5 ,"the spreadsheet results are correct. If a miscalculation results from =AA6 ,"a bad formula, or from bad data, that can be detected in the Dscrp =AA7 ,"work areas. `ChxSumDscrp' shows the difference between the AMOUNTs and =AA8 ,"the component EXPENSE + A L & C parts that should TOTAL those AMOUNTS. =AA9 ,"Studying the formulas of each discrepancy enables troubleshooting them. =AA10,"Similarly, CashDscrp =.OO when the cash AMOUNT total has been disbursed. =AA11,"`;' into this window and `=>' whatever cell you wish, to change formulas. =AA12,"That keeps the DSCRP work area in view to show recalculation RESULTS. =AA/WC/TC/UAA,/BAA,=AA1,=B5,/TH=B10,/WH/GB =H44,=H45,/TH=H60,=H48,=I48,;=B62,; OPSTRBL XQTZOV01 TUT;[\]^_`abOVEX TUT4cdefghiRPT1 XQTjRPT2 XQTkRPTS TUTlmSAVE TUT noSUMCRDS TUT pqSUMCRDS XQTrTRBL TUT stTRBL $$$/UAA,/BAA,/WC/TC/FCAA,21 =B22,=B2,=G5,/WV =AA1 ,"/UAA,/BAA,/WC/TC =AA2 ,"=B22,=B5,=G5,/WV =AA3 ,"[TXT]=AA6, ;=B22, =AA4 ,"=B5,/TH=E7, =AA5 =AA6 ,"`TYPES.TUT' places =AA7 ,""PAYEE" thru "AL&C" =AA8 ,"workAreas by a window =AA9 ,"with the CURSOR in =AA10," he "TYPE" area. =AA11," =AA12,"***> IMPORTANT <*** =AA13,"Cheks MUST be ENTERED =AA14,"by TYPE, NOT chrono- =AA15,"logically. DATES ARE =AA16,"**> OF NO CONCERN <** =AA17," =AA18,"Formulas are built-in =AA19,"to route most AMOUNT =AA20,"values to other CELLs =AA21,"and show the results =AA22,"on the `FINANCIAL =AA23," OPERATION SUMMARY" =AA24," =AA25," TECHNIQUE TIP: =AA26,"IF A CHEK MUST BE FOR =AA27,"MORE THAN ONE TYPE OF =AA28,"EXPENDITURE, ENTER IT =AA29,"IN PARTS THUSLY: =AA30," | B | C | =AA31,"11 SEARS 98.76-15.90 =AA32,"26 SEARS 98.76-C11 =AA33,"for a check that was =AA34,"partly furnishings, =AA35,"and partly bedding. =AA36," =AA37,"NOTE: `A L & C' means =AA38,"Assts, Liab. & Cash. =AA39,"They are TYPEs of dis =AA40,"bursements, NOT just =AA41,"expenses, though most =AA42,"Cash will be distri- =AA43,"buted by you to exp- =AA44,"enses. For a Tutorial =AA45,"on CASH disbursements =AA46," Try /X CASH.TUT =AA47," =AA48,"TYPEs of EXPENSEs are =AA49,"also in cells K47:K62 =AA50,"The cells I47:I62 are =AA51,"automatically fed =AA52,"EXPENSE TYPE values =AA53,"from D19:D57 & other =AA54,"places. See/X EXP.TUT =AA55," & HAVE FUN ! =AA56," =AA6, ;=B22,=B5,/TH=E7,  CHEK MUST BE FOR =AA27,"MORE THAN ONE TYPE OF =AA28,"EXPENDITURE, ENTER IT =AA29,"IN PARTS THUSLY: =AA30," | B | C | =AA31,"11 SEARS 98.76-15.90 =AA32,"26 SEARS 98.76-C11 =AA33,"for a check that was =AA34,"partly furnishingsSuperCalc Ver. 1.05 L46AB84ENDAR FOR 19""<== ENTER YEAR HERE AND PRESS !1N G1AIF(A1-4*INT(A1/4)=0,1,0)!"TO PRINT RANGE IS A6:Z45CPA1+INT(A1/4)A3-7*INT(A3/7) !" CALENDER FOR19 D1900+A1 "  " " " JANUARYBA1A(1-A2+A4)-7*INT((1-A2+A4)/7)R+ERROR)/7)  " FEBRUARYBA1/A0(4-A2+A4)-7*INT((4-A2+A4)/7) " MARCHBA1A@(4+A4)-7*INT((4+A4)/7) "SUN "MON "TUE "WED "THU "FRI "SAT`B131  "SUN  "MON  "TUE  "WED  "THU "FRI "SATB)28+A2 "SUN "MON "TUE "WED "THU "FRI "SAT`B131 AIF(1-H8<1,0,1)+A4)/ A IF(AND(2-H8<1,A10<1),0,A10+1) A0IF(AND(3-H8<1,B10<1),0,B10+1) A@IF(AND(4-H8<1,C10<1),0,C10+1) APIF(AND(5-H8<1,D10<1),0,D10+1) A`IF(AND(6-H8<1,E10<1),0,E10+1) ApIF(AND(7-H8<1,F10<1),0,F10+1) IF(1-Q8<1,0,1) IF(AND(2-Q8<1,J10<1),0,J10+1) IF(AND(3-Q8<1,K10<1),0,K10+1) AIF(AND(4-Q8<1,L10<1),0,L10+1) A IF(AND(5-Q8<1,M10<1),0,M10+1) A0IF(AND(6-Q8<1,N10<1),0,N10+1) A@IF(AND(7-Q8<1,O10<1),0,O10+1) IF(1-Z8<1,0,1) IF(AND(2-Z8<1,S10<1),0,S10+1) IF(AND(3-Z8<1,T10<1),0,T10+1) IF(AND(4-Z8<1,U10<1),0,U10+1) AIF(AND(5-Z8<1,V10<1),0,V10+1) A IF(AND(6-Z8<1,W10<1),0,W10+1)) A0IF(AND(7-Z8<1,X10<1),0,X10+1)) AG10+1B131 AA11+1 BB11+1 BC11+1 BD11+1 BE11+1 BF11+1 APP10+1 A`J11+1 ApK11+1 AL11+1 AM11+1 BN11+1 BO11+1 A@Y10+1 APS11+1 A`T11+1 ApU11+1 AV11+1 AW11+1 BX11+1 BG11+1 BA12+1 BB12+1 BC12+1 BD12+1 B E12+1 B!F12+1 BP11+1 BJ12+1 BK12+1 BL12+1 BM12+1 BN12+1 BO12+1 BY11+1 BS12+1 BT12+1 BU12+1 BV12+1 BW12+1 BX12+1 B"G12+1 B#A13+1 B$B13+1 B%C13+1 B&D13+1 B'E13+1 B(F13+1 BP12+1 B J13+1 B!K13+1 B"L13+1 B#M13+1 B$N13+1 B%O13+1 BY12+1 BS13+1 B T13+1 B!U13+1 B"V13+1 B#W13+1 B$X13+1 B)IF(AND(G130),G13+1,0) B0IF(AND(A140),A14+1,0) B1IF(AND(B140),B14+1,0) IF(AND(C140),C14+1,0) IF(AND(D140),D14+1,0) IF(AND(E140),E14+1,0) IF(AND(F140),F14+1,0) B&IF(AND(P130),P13+1,0) B'IF(AND(J140),J14+1,0) B(IF(AND(K140),K14+1,0) B)IF(AND(L140),L14+1,0) IF(AND(M140),M14+1,0) IF(AND(N140),N14+1,0) IF(AND(O140),O14+1,0) B%IF(AND(Y130),Y13+1,0)0) B&IF(AND(S140),S14+1,0) B'IF(AND(T140),T14+1,0) B(IF(AND(U140),U14+1,0) B)IF(AND(V140),V14+1,0) B0IF(AND(W140),W14+1,0)0) B1IF(AND(X140),X14+1,0)0)IF(AND(G140),G14+1,0)IF(AND(A150),A15+1,0)IF(AND(B150),B15+1,0)IF(AND(C150),C15+1,0)IF(AND(D150),D15+1,0)IF(AND(E150),E15+1,0)IF(AND(F150),F15+1,0) IF(AND(P140),P14+1,0) IF(AND(J150),J15+1,0) IF(AND(K150),K15+1,0) IF(AND(L150),L15+1,0) IF(AND(M150),M15+1,0)IF(AND(N150),N15+1,0)IF(AND(O150),O15+1,0)IF(AND(Y140),Y14+1,0)0)IF(AND(S150),S15+1,0)IF(AND(T150),T15+1,0)IF(AND(U150),U15+1,0)IF(AND(V150),V15+1,0)IF(AND(W150),W15+1,0)0)IF(AND(X150),X15+1,0)0) "  " " " APRILBA1(0+A4)-7*INT((0+A4)/7))  " MAYRYBA1A (2+A4)-7*INT((2+A4)/7)) " JUNEYBA1AP(5+A4)-7*INT((5+A4)/7)) "SUN "MON "TUE "WED "THU "FRI "SAT`B030  "SUN  "MON  "TUE  "WED  "THU "FRI "SAT`B131 "SUN "MON "TUE "WED "THU "FRI "SAT`B030AIF(1-H18<1,0,1)A IF(AND(2-H18<1,A20<1),0,A20+1)A0IF(AND(3-H18<1,B20<1),0,B20+1)A@IF(AND(4-H18<1,C20<1),0,C20+1)APIF(AND(5-H18<1,D20<1),0,D20+1)A`IF(AND(6-H18<1,E20<1),0,E20+1)ApIF(AND(7-H18<1,F20<1),0,F20+1) IF(1-Q18<1,0,1) IF(AND(2-Q18<1,J20<1),0,J20+1) AIF(AND(3-Q18<1,K20<1),0,K20+1) A IF(AND(4-Q18<1,L20<1),0,L20+1) A0IF(AND(5-Q18<1,M20<1),0,M20+1)A@IF(AND(6-Q18<1,N20<1),0,N20+1)APIF(AND(7-Q18<1,O20<1),0,O20+1)IF(1-Z18<1,0,1)IF(AND(2-Z18<1,S20<1),0,S20+1)IF(AND(3-Z18<1,T20<1),0,T20+1)IF(AND(4-Z18<1,U20<1),0,U20+1)IF(AND(5-Z18<1,V20<1),0,V20+1)AIF(AND(6-Z18<1,W20<1),0,W20+1))A IF(AND(7-Z18<1,X20<1),0,X20+1))AG20+1AA21+1BB21+1BC21+1BD21+1BE21+1BF21+1 A`P20+1 ApJ21+1 AK21+1 AL21+1 BM21+1BN21+1BO21+1A0Y20+1A@S21+1APT21+1A`U21+1ApV21+1AW21+1AX21+1BG21+1BA22+1BB22+1BC22+1BD22+1B E22+1B!F22+1 BP21+1 BJ22+1 BK22+1 BL22+1 BM22+1BN22+1BO22+1BY21+1BS22+1BT22+1BU22+1BV22+1BW22+1BX22+1B"G22+1B#A23+1B$B23+1B%C23+1B&D23+1B'E23+1B(F23+1 B P22+1 B!J23+1 B"K23+1 B#L23+1 B$M23+1B%N23+1B&O23+1BY22+1BS23+1BT23+1B U23+1B!V23+1B"W23+1B#X23+1B)IF(AND(G230),G23+1,0)B0IF(AND(A240),A24+1,0)IF(AND(B240),B24+1,0)IF(AND(C240),C24+1,0)IF(AND(D240),D24+1,0)IF(AND(E240),E24+1,0)IF(AND(F240),F24+1,0) B'IF(AND(P230),P23+1,0) B(IF(AND(J240),J24+1,0) B)IF(AND(K240),K24+1,0) B0IF(AND(L240),L24+1,0) B1IF(AND(M240),M24+1,0)IF(AND(N240),N24+1,0)IF(AND(O240),O24+1,0)B$IF(AND(Y230),Y23+1,0)0)B%IF(AND(S240),S24+1,0)B&IF(AND(T240),T24+1,0)B'IF(AND(U240),U24+1,0)B(IF(AND(V240),V24+1,0)B)IF(AND(W240),W24+1,0)0)B0IF(AND(X240),X24+1,0)0)IF(AND(G240),G24+1,0)IF(AND(A250),A25+1,0)IF(AND(B250),B25+1,0)IF(AND(C250),C25+1,0)IF(AND(D250),D25+1,0)IF(AND(E250),E25+1,0)IF(AND(F250),F25+1,0) IF(AND(P240),P24+1,0) IF(AND(J250),J25+1,0) IF(AND(K250),K25+1,0) IF(AND(L250),L25+1,0) IF(AND(M250),M25+1,0)IF(AND(N250),N25+1,0)IF(AND(O250),O25+1,0)IF(AND(Y240),Y24+1,0)0)IF(AND(S250),S25+1,0)IF(AND(T250),T25+1,0)IF(AND(U250),U25+1,0)IF(AND(V250),V25+1,0)IF(AND(W250),W25+1,0)0)IF(AND(X250),X25+1,0)0) "  " " " JULYYBA1(0+A4)-7*INT((0+A4)/7))  " AUGUSTBA1A0(3+A4)-7*INT((3+A4)/7)) "  SEPTEMBERBA1A`(6+A4)-7*INT((6+A4)/7)) "SUN "MON "TUE "WED "THU "FRI "SAT`B131  "SUN  "MON  "TUE  "WED  "THU "FRI "SAT`B131 "SUN "MON "TUE "WED "THU "FRI "SAT`B030AIF(1-H28<1,0,1)A IF(AND(2-H28<1,A30<1),0,A30+1)A0IF(AND(3-H28<1,B30<1),0,B30+1)A@IF(AND(4-H28<1,C30<1),0,C30+1)APIF(AND(5-H28<1,D30<1),0,D30+1)A`IF(AND(6-H28<1,E30<1),0,E30+1)ApIF(AND(7-H28<1,F30<1),0,F30+1) IF(1-Q28<1,0,1) IF(AND(2-Q28<1,J30<1),0,J30+1) IF(AND(3-Q28<1,K30<1),0,K30+1) AIF(AND(4-Q28<1,L30<1),0,L30+1) A IF(AND(5-Q28<1,M30<1),0,M30+1)A0IF(AND(6-Q28<1,N30<1),0,N30+1)A@IF(AND(7-Q28<1,O30<1),0,O30+1)IF(1-Z28<1,0,1)IF(AND(2-Z28<1,S30<1),0,S30+1)IF(AND(3-Z28<1,T30<1),0,T30+1)IF(AND(4-Z28<1,U30<1),0,U30+1)IF(AND(5-Z28<1,V30<1),0,V30+1)IF(AND(6-Z28<1,W30<1),0,W30+1))AIF(AND(7-Z28<1,X30<1),0,X30+1))AG30+1AA31+1BB31+1BC31+1BD31+1BE31+1BF31+1 APP30+1 A`J31+1 ApK31+1 AL31+1 AM31+1BN31+1BO31+1A Y30+1A0S31+1A@T31+1APU31+1A`V31+1ApW31+1AX31+1BG31+1BA32+1BB32+1BC32+1BD32+1B E32+1B!F32+1 BP31+1 BJ32+1 BK32+1 BL32+1 BM32+1BN32+1BO32+1AY31+1BS32+1BT32+1BU32+1BV32+1BW32+1BX32+1 B"G32+1 B#A33+1 B$B33+1 B%C33+1 B&D33+1 B'E33+1 B(F33+1 BP32+1 B J33+1 B!K33+1 B"L33+1 B#M33+1 B$N33+1 B%O33+1 BY32+1 BS33+1 BT33+1 BU33+1 B V33+1 B!W33+1 B"X33+1!B)IF(AND(G330),G33+1,0)!B0IF(AND(A340),A34+1,0)!B1IF(AND(B340),B34+1,0)!IF(AND(C340),C34+1,0)!IF(AND(D340),D34+1,0)!IF(AND(E340),E34+1,0)!IF(AND(F340),F34+1,0) !B&IF(AND(P330),P33+1,0) !B'IF(AND(J340),J34+1,0) !B(IF(AND(K340),K34+1,0) !B)IF(AND(L340),L34+1,0) !B0IF(AND(M340),M34+1,0)!B1IF(AND(N340),N34+1,0)!IF(AND(O340),O34+1,0)!B#IF(AND(Y330),Y33+1,0)0)!B$IF(AND(S340),S34+1,0)!B%IF(AND(T340),T34+1,0)!B&IF(AND(U340),U34+1,0)!B'IF(AND(V340),V34+1,0)!B(IF(AND(W340),W34+1,0)0)!B)IF(AND(X340),X34+1,0)0)"IF(AND(G340),G34+1,0)"IF(AND(A350),A35+1,0)"IF(AND(B350),B35+1,0)"IF(AND(C350),C35+1,0)"IF(AND(D350),D35+1,0)"IF(AND(E350),E35+1,0)"IF(AND(F350),F35+1,0) "IF(AND(P340),P34+1,0) "IF(AND(J350),J35+1,0) "IF(AND(K350),K35+1,0) "IF(AND(L350),L35+1,0) "IF(AND(M350),M35+1,0)"IF(AND(N350),N35+1,0)"IF(AND(O350),O35+1,0)"B0IF(AND(Y340),Y34+1,0)0)"IF(AND(S350),S35+1,0)"IF(AND(T350),T35+1,0)"IF(AND(U350),U35+1,0)"IF(AND(V350),V35+1,0)"IF(AND(W350),W35+1,0)0)"IF(AND(X350),X35+1,0)0)$ " $ "$ "% " OCTOBER%BA1%A(1+A4)-7*INT((1+A4)/7)) % " NOVEMBER%BA1%A@(4+A4)-7*INT((4+A4)/7))% " DECEMBER%BA1%A`(6+A4)-7*INT((6+A4)/7))& "SUN& "MON& "TUE& "WED& "THU& "FRI& "SAT&`B131 & "SUN & "MON & "TUE & "WED & "THU& "FRI& "SAT&`B030& "SUN& "MON& "TUE& "WED& "THU& "FRI& "SAT&`B131'IF(1-H38<1,0,1)'AIF(AND(2-H38<1,A40<1),0,A40+1)'A IF(AND(3-H38<1,B40<1),0,B40+1)'A0IF(AND(4-H38<1,C40<1),0,C40+1)'A@IF(AND(5-H38<1,D40<1),0,D40+1)'APIF(AND(6-H38<1,E40<1),0,E40+1)'A`IF(AND(7-H38<1,F40<1),0,F40+1) 'IF(1-Q38<1,0,1) 'IF(AND(2-Q38<1,J40<1),0,J40+1) 'IF(AND(3-Q38<1,K40<1),0,K40+1) 'IF(AND(4-Q38<1,L40<1),0,L40+1) 'AIF(AND(5-Q38<1,M40<1),0,M40+1)'A IF(AND(6-Q38<1,N40<1),0,N40+1)'A0IF(AND(7-Q38<1,O40<1),0,O40+1)'IF(1-Z38<1,0,1)'IF(AND(2-Z38<1,S40<1),0,S40+1)'IF(AND(3-Z38<1,T40<1),0,T40+1)'IF(AND(4-Z38<1,U40<1),0,U40+1)'IF(AND(5-Z38<1,V40<1),0,V40+1)'IF(AND(6-Z38<1,W40<1),0,W40+1))'AIF(AND(7-Z38<1,X40<1),0,X40+1))(ApG40+1(AA41+1(AB41+1(BC41+1(BD41+1(BE41+1(BF41+1 (A@P40+1 (APJ41+1 (A`K41+1 (ApL41+1 (AM41+1(AN41+1(BO41+1(A Y40+1(A0S41+1(A@T41+1(APU41+1(A`V41+1(ApW41+1(AX41+1)BG41+1)BA42+1)BB42+1)BC42+1)BD42+1)BE42+1)B F42+1 )BP41+1 )BJ42+1 )BK42+1 )BL42+1 )BM42+1)BN42+1)BO42+1)AY41+1)BS42+1)BT42+1)BU42+1)BV42+1)BW42+1)BX42+1*B!G42+1*B"A43+1*B#B43+1*B$C43+1*B%D43+1*B&E43+1*B'F43+1 *BP42+1 *BJ43+1 *B K43+1 *B!L43+1 *B"M43+1*B#N43+1*B$O43+1*BY42+1*BS43+1*BT43+1*BU43+1*B V43+1*B!W43+1*B"X43+1+B(IF(AND(G430),G43+1,0)+B)IF(AND(A440),A44+1,0)+B0IF(AND(B440),B44+1,0)+B1IF(AND(C440),C44+1,0)+IF(AND(D440),D44+1,0)+IF(AND(E440),E44+1,0)+IF(AND(F440),F44+1,0) +B%IF(AND(P430),P43+1,0) +B&IF(AND(J440),J44+1,0) +B'IF(AND(K440),K44+1,0) +B(IF(AND(L440),L44+1,0) +B)IF(AND(M440),M44+1,0)+B0IF(AND(N440),N44+1,0)+IF(AND(O440),O44+1,0)+B#IF(AND(Y430),Y43+1,0)0)+B$IF(AND(S440),S44+1,0)+B%IF(AND(T440),T44+1,0)+B&IF(AND(U440),U44+1,0)+B'IF(AND(V440),V44+1,0)+B(IF(AND(W440),W44+1,0)0)+B)IF(AND(X440),X44+1,0)0),IF(AND(G440),G44+1,0),IF(AND(A450),A45+1,0),IF(AND(B450),B45+1,0),IF(AND(C450),C45+1,0),IF(AND(D450),D45+1,0),IF(AND(E450),E45+1,0),IF(AND(F450),F45+1,0) ,IF(AND(P440),P44+1,0) ,IF(AND(J450),J45+1,0) ,IF(AND(K450),K45+1,0) ,IF(AND(L450),L45+1,0) ,IF(AND(M450),M45+1,0),IF(AND(N450),N45+1,0),IF(AND(O450),O45+1,0),B0IF(AND(Y440),Y44+1,0)0),B1IF(AND(S450),S45+1,0),IF(AND(T450),T45+1,0),IF(AND(U450),U45+1,0),IF(AND(V450),V45+1,0),IF(AND(W450),W45+1,0)0),IF(AND(X450),X45+1,0)0)IF(AND(A450),A45+1,0),IF(AND(B450),B45+1,0),IF(AND(C450),C45+1,0),IF(AND(D450),D45+1,0),IF(AND(E450),E45+1,0),IF(AND(F450),F45+1,0) ,IF(AND(P440),P44+1,0) ,IF(AND(J450),J45+1,0) ,IF(AND(K450),K45+1,0) ,IF(AND(L450),L45+1,0) ,IF(AND  CALENDAR DOCUMENTATION Bob Hamilton Box 6054 % ARAMCO Dhahran, Saudi Arabia 12/31/83 Thi SUPERCAL progra wa publishe i CALCAID sectio o th PORTABL COMPANIO (Unfortunatel don' kno th dat no th Issue) Th progra use th cod a presente i th articl wit th exceptio o placin som o th mor unsightl formula i separat colum an the hidin th colum b assignin i colum widt o zer (0) Thi techniqu i easil use an ca b ver helpfu i hidin dat whic ma b proprietar o o confidentia natur suc a rate etc SUPERCAL i th onl spreadshee tha kno o whic wil allo yo t se cloum widt t zer an retai dat i th column Thi ma b accomplished by using the following SUPERCALC command /F,C,col name,0 (CR)  Th progra accept tw digi yea (i mus b betwee 190 an 1999) Usin th yea inpu i locatio A1 i wil the calculat calenda fo tha year Th ne calenda ca the b sen t eithe th printe o t dis fil usin th outpu comman o SUPERCALC /O,D,A6:Z45,D - send to a disk entitled CALENDAR.PRN /O,D,A6:Z45,P - send to the printer Th mos effectiv displa i t sen th calenda t dat fil an the edi th dat fil wit WORDSTAR Yo ca easil eliminat th singl zero usin th followin WORDSTA command. ^Q FIND REPLAC WITH (ente space OPTIONS NGW OPTIONS N - replace without asking G - replace in entire file נ- replac whol wor onl i.e onl no combined with another number such as 20 B awar tha th fil ha recor (line lengt o abou 12 character s unles yo hav modifie WORDSTAҠ t accep lon line i wil automaticall wra th lin aroun a colum 78 Don' worr i wil stil prin ok Yo wil nee t prin i usin eithe 1 inc pape o condense character (1 character pe inch o 1/ inc paper Yo ca mak th printin eve mor inpressiv b printin th column wit Sunda an Saturda i bol fac print Bu thi ca b ver difficul becaus th ^P shift th colum tw place t th righ eac tim an yo ca soo becom ver disoriente i you column especiall i i i wrappin aroun a 78 Th easies wa o accomplishin th tas i t star a the end of the file and work backwards. Anyon makin improvement t thi program pleas sen m cop o th changes a alway lookin fo way o improvin the way I do things.  B awar tha th fil ha recor (line lengt o abou 12 character s unles yo hav modifie WORDSTAҠ SuperCalc ver. 1.00 Home Loan Comparison h 6         ""Home Loan Comparison "This spreadsheet compares two loans for seven years to help guide you in deciding whenr "to refinance your loan. Enter the values in the unprotected columns and recalculate the "spreadsheet (press "!") until the values stop changing. The "after tax $" column shows"cash flow assuming all interest and points are deductable.-1 "loan!"interest Com "loan!"p-loant Com!"p-loant Com!"totalt Com!"amountt Com!"rate %t Com!"payment Com!"points Com "fees""Existing loan (e)onQ1000006 loanP1267.Q1028.61 loan "---- "---- "----""Proposed loan (p)onF3A#XIC8+H10-p P9.57.CPINT((C9*D9/1200*((D9/1200+1)^360)/((1+D9/1200)^360-1))*100)/100ter P2.75P500FfF' C9*(1+F9/100)+G9(D9 $" proposed loan point --> $200+1) D(A#b5C9*F9/10000 "$5r D3A#b5F10+G90000 $" <-- proposed loan points & fees+1) ""Tax bracket % loan p P50x b !"year 1cket % "Jan  "Feb  "Mar  !"Aprilcket % "Mayl "June "July "Sept "Oct "Nov "Dec !"Totalcket % !" e-pet % !"after tax $% !"payment-e$% D(aE8+ D(a!B13 D(aC13 D(aD13 D(aE13 D(aF13 D(aG13 D(aH13 D(aI13 D(aJ13 D(aK13 E1GSUM(B13:L13)+G9(D9 !"payment-pUM( CPE9( CPB14 CPC14 CPD14 CPE14 CPF14 CPG14 CPH14 CPI14 CPJ14 CPK14 DXESUM(B14:L14)+G9(D9 DV&M13-M14L14)!"interest-e-DC8*D8/1200)CB19*D8/1200C$C19*D8/1200C3D19*D8/1200C81sE19*D8/1200C@`$fcF19*D8/1200C90PG19*D8/1200Cy6 uv!H19*D8/1200 Cv)FQI19*D8/1200 CsfCHPJ19*D8/1200 Cpv XK19*D8/1200 E7SSUM(B15:L15)+G9(D9!"interest-pM(C#93C9*D9/1200)Cw!`tB20*D9/1200CsE2SBC20*D9/1200Cig7D20*D9/1200CdgavE20*D9/1200C`y9F20*D9/1200CV`G20*D9/1200CR8rP4%H20*D9/1200 CHuHUI20*D9/1200 CCbg'J20*D9/1200 C9S G!SK20*D9/1200 Dvi%SwFSUM(B16:L16)+G9(D9 D  $'M15-M16L16)h#c 1N14-G9-F10*(1-C11/100)-N16*C11/100(!"principal-eB(aB13-B1510*(B(aC13-C1510*(B)PaD13-D1510*(B)GiaE13-E1510*(B)wraF13-F1510*(B0S3`G13-G1510*(B07PH13-H1510*(B0g7B7pI13-I1510*( B004 J13-J1510*( B1)5e K13-K1510*( B1`29 L13-L1510*( C3 ' GSUM(B17:L17)-C11/10!"principal-p(BPfhAPB14-B16L17)BQ"PC14-C16L17)BQcEFyeD14-D16L17)BR3 )V0E14-E16L17)BRES)S@F14-F16L17)BR(AG14-G16L17)BS(`! pH14-H16L17)BSq2tWPI14-I16L17) BTbEidPJ14-J16L17) BTVH#s)g0K14-K16L17) BTg'aL14-L16L17) CXWD`R%TSUM(B18:L18)-C11/10 %00bBxSM17-M18L18)!"balance-e -EC8-B17L18)E$B19-C17L18)E3C19-D17L18)E81sD19-E17L18)E@`$fcE19-F17L18)E90TF19-G17L18)Ey6 uv!G19-H17L18)Ev)FQH19-I17L18) EsfCHPI19-J17L18) Epv UJ19-K17L18) EfrTK19-L17L18)!"balance-p-F2WC9-B18L18)F29g"&B20-C18L18)F1!!vC20-D18L18)F16UD20-E18L18)F0q5%FE20-F18L18)F00)$bF20-G18L18)F)wU7d@G20-H18L18)F)#'1eH20-I18L18) F(ipdT@I20-J18L18) F(bJ20-K18L18) F'`HgS%K20-L18L18)!"year 2@- "Jan  "Feb  "Mar !"April@- "Mayl "June "July "Sept  "Oct  "Nov  "Dec !"Total@- !" e-p-!"after tax $!"payment-e$D(aL13D(aB23D(aC23D(aD23D(aE23D(aF23D(aG23D(aH23 D(aI23 D(aJ23 D(aK23 E1GSUM(B23:L23)-C11/10!"payment-pUM(CPL14CPB24CPC24CPD24CPE24CPF24CPG24CPH24 CPI24 CPJ24 CPK24 DXESUM(B24:L24)-C11/10 DV&M23-M24L24)!"interest-e-CfrPL19*D8/1200CcqSXBB29*D8/1200C`IF3C29*D8/1200CW#T'Y'D29*D8/1200CSgBE29*D8/1200CPbRIhs3F29*D8/1200CG'BG29*D8/1200CC" `BH29*D8/1200 C@F)'I29*D8/1200 C76)WJ29*D8/1200 C3Q&efK29*D8/1200 EUPbSUM(B25:L25)-C11/10!"interest-pM(C554c#L20*D9/1200C0xRPQ8B30*D9/1200C&6f)1C30*D9/1200C!af$D30*D9/1200CAPVE30*D9/1200C`IUT6F30*D9/1200C2i3G30*D9/1200CrSH30*D9/1200 C'bvpI30*D9/1200 C@$3BJ30*D9/1200 CitRK30*D9/1200 D#t5t2TSUM(B26:L26)-C11/10 D !Rv)1&M25-M26L26)B'@EYN24-N26*C11/100+O16!"principal-eB1q9B23-B25C11/B2#d uC23-C25C11/B2VHu1pD23-D25C11/B2dW$(0E23-E25C11/B3!S!15F23-F25C11/B3TtufpG23-G25C11/B3)IxH23-H25C11/B4"y'I23-I25C11/ B4V9! J23-J25C11/ B47)pK23-K25C11/ B5%3A3@L23-L25C11/ C6I7PSUM(B27:L27)00+O16!"principal-p(BUC!FSgpB24-B26L27)BU$t C24-C26L27)BV137(pD24-D26L27)BVuQ7`E24-E26L27)BW 8!QPF24-F26L27)BWfDV@G24-G26L27)BXxpH24-H26L27)BXWy!$pI24-I26L27) BY#r2PJ24-J26L27) BYP7VeqpK24-K26L27) BYQDyL24-L26L27) CcDrVBVt`SUM(B28:L28)00+O16 &RgbM27-M28L28)!"balance-e-EcqSXEL19-B27L28)E`IF7B29-C27L28)EW#T'Y'C29-D27L28)ESgDD29-E27L28)EPbRIhs0E29-F27L28)EG'BF29-G27L28)EC" `EG29-H27L28)E@F)'H29-I27L28) E76)WI29-J27L28) E3Q&eeJ29-K27L28) E)gRRaK29-L27L28)!"balance-p-F'q&qL20-B28L28)F&HV1vB30-C28L28)F%R$C30-D28L28)F%5vh!D30-E28L28)"F$xVsE30-F28L28)F$ xx8F30-G28L28)F#bxY%G30-H28L28)F# 48H30-I28L28) F"EegI30-J28L28) F!e%U J30-K28L28) F!%g#'VK30-L28L28)!"year 3q- "Jan  "Feb  "Mar !"Aprilq- "Mayl "June "July "Sept  "Oct  "Nov  "Dec !"Totalq- !" e-p-!"after tax $ !"payment-e$ D(aL23 D(aB33 D(aC33 D(aD33 D(aE33 D(aF33 D(aG33 D(aH33 D(aI33 D(aJ33 D(aK33 E1GSUM(B33:L33)00+O16!!"payment-pUM(!CPL24!CPB34!CPC34!CPD34!CPE34!CPF34!CPG34!CPH34 !CPI34 !CPJ34 !CPK34 !DXESUM(B34:L34)00+O16 !DV&M33-M34L34)"!"interest-e-"C)gRRXL29*D8/1200"C&BV`EB39*D8/1200"C"PC39*D8/1200"Cb"UgD39*D8/1200"CRqh(x%E39*D8/1200"C9F39*D8/1200"CT7G39*D8/1200"C)@AH39*D8/1200 "CH%22XI39*D8/1200 "CbB)WeJ39*D8/1200 "Crq"gK39*D8/1200 "E'tWSUM(B35:L35)00+O16#!"interest-pM(#CW4&RL30*D9/1200#C0vB40*D9/1200#Cu3E&C40*D9/1200#CpGiGDD40*D9/1200#CeWcvt&E40*D9/1200#C`ciu%F40*D9/1200#CUehpWG40*D9/1200#CPdGtuH40*D9/1200 #CEX)y4I40*D9/1200 #C@HRxRfJ40*D9/1200 #C54qbr$K40*D9/1200 #DfHUxd!SUM(B36:L36)00+O16 #D 61Ab)M35-M36L36)#C1SbyDpN34-N36*C11/100+O26$!"principal-e$B5a ttt B33-B35C11/$B5t3IH0C33-C35C11/$B62q)D0D33-D35C11/$B6iy7tC0E33-E35C11/$B7rPF33-F35C11/$B7BxV)) G33-G35C11/$B7!4V)X0H33-H35C11/$B8U0I33-I35C11/ $B8VWFvt J33-J35C11/ $B8uw#PK33-K35C11/ $B93pR's0L33-L35C11/ $CA%BISUM(B37:L37)00+O26%!"principal-p(%B`EP&W4B34-B36L37)%B`6a@C34-C36L37)%BaA`uG9pD34-D36L37)%Ba#%`E34-E36L37)%Bb9#b2Yw@F34-F36L37)%BbcHPG34-G36L37)%Bc8AS0H34-H36L37)%BcYE"RII34-I36L37) %Bd9 `J34-J36L37) %Bdxs@K34-K36L37) %BeARqw`L34-L36L37) %CidBQSUM(B38:L38)00+O26 %(T CM37-M38L38)&!"balance-e!-&E&BV`EL29-B37L38)&E"PB39-C37L38)&Eb"UiC39-D37L38)&ERqh(x%D39-E37L38)&E9E39-F37L38)&ET7F39-G37L38)&E)@AG39-H37L38)&EH%22UH39-I37L38) &EbB)WdI39-J37L38) &Erq"SJ39-K37L38) &EyWfY vK39-L37L38)'!"balance-p#-'F e!r L30-B38L38)'F (59yB40-C38L38)'FBtd2C40-D38L38)'FQs'D40-E38L38)'FW'U@gE40-F38L38)'FUhdRyF40-G38L38)'F0"xG40-H38L38)'F(AcTV(H40-I38L38) 'FdFDVFI40-J38L38) 'F1ed1J40-K38L38) 'F3px8K40-L38L38))!"year 40$-) "Jan ) "Feb ) "Mar )!"April0$-) "Mayl) "June) "July) "Sept ) "Oct ) "Nov ) "Dec )!"Total0$- )!" e-p$-)!"after tax $*!"payment-e$*D(aL33*D(aB43*D(aC43*D(aD43*D(aE43*D(aF43*D(aG43*D(aH43 *D(aI43 *D(aJ43 *D(aK43 *E1GSUM(B43:L43)00+O26+!"payment-pUM(+CPL34+CPB44+CPC44+CPD44+CPE44+CPF44+CPG44+CPH44 +CPI44 +CPJ44 +CPK44 +DXESUM(B44:L44)00+O26 +DV&M43-M44L44),!"interest-e-,CyWfY uL39*D8/1200,C'$%iB49*D8/1200,CQIC49*D8/1200,CvupQED49*D8/1200,Crf6!RFuE49*D8/1200,ChRWsPF49*D8/1200,Cd55P1tG49*D8/1200,C``BH49*D8/1200 ,CUdFgBI49*D8/1200 ,CQWBXXJ49*D8/1200 ,CG"S%tK49*D8/1200 ,EQTvhSUM(B45:L45)00+O26-!"interest-pM(-C0@e#L40*D9/1200-C$( "xB50*D9/1200-ChvweC50*D9/1200-C8Its D50*D9/1200-C Sd$E50*D9/1200-Ce2Q!F50*D9/1200-Cy"63&!2G50*D9/1200-Cyu dAHH50*D9/1200 -Cy#P"uI50*D9/1200 -CygSq%EJ50*D9/1200 -CyvWqK50*D9/1200 -Dx@!9SUM(B46:L46)00+O26 -D Q7@XIM45-M46L46)-DEt$N44-N46*C11/100+O36.!"principal-e.B9s#4 PB43-B45C11/.B@w'WC C43-C45C11/.B@RPD43-D45C11/.B@BPE43-E45C11/.BA467u2PF43-F45C11/.BAupt"`G43-G45C11/.BBFD`H43-H45C11/.BBYcAy5I43-I45C11/ .BC#U3!J43-J45C11/ .BCE%xT K43-K45C11/ .BCqgBPL43-L45C11/ .CEU#1fSUM(B47:L47)00+O36/!"principal-p(/Be1EGiB44-B46L47)/BfEQ'r 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5DV&M53-M54L54)6!"interest-e-6CBBxBL49*D8/12006C8@vE!B59*D8/12006C3!guC59*D8/12006C)@(wD59*D8/12006C$!quE59*D8/12006C "@6F59*D8/12006CW5wAuG59*D8/12006CUD0H59*D8/1200 6C1WWBI59*D8/1200 6C131W2gJ59*D8/1200 6CFTdK59*D8/1200 6EvtSUM(B55:L55)00+O367!"interest-pM(7CypBAPgiL50*D9/12007Cyds sFB60*D9/12007CyX1V5rC60*D9/12007CyS D60*D9/12007CyG8H(E60*D9/12007CyAPV@F60*D9/12007Cy5X9wTG60*D9/12007Cy)aRPWH60*D9/1200 7Cy#YeUI60*D9/1200 7CySXud7J60*D9/1200 7CyBC1RuK60*D9/1200 7D5@HD SUM(B56:L56)00+O36 7D fYR!M55-M56L56)7DhbwyN54-N56*C11/100+O468!"principal-e8BD2YurUB53-B55C11/8BDv5GC53-C55C11/8BE!i')2PD53-D55C11/8BEf!pE53-E55C11/8BFW"PF53-F55C11/8BFXpE080G53-G55C11/8BG)B%PH53-H55C11/8BGR4EXf0I53-I55C11/ 8BG$%J53-J55C11/ 8BHGf&s0K53-K55C11/ 8BH4SQx0L53-L55C11/ 8CQ'#%SUM(B57:L57)00+O469!"principal-p(9Bqu #B54-B56L57)9BrGiBe@C54-C56L57)9Bs6HD54-D56L57)9Bsb`pE54-E56L57)9Bt! W F54-F56L57)9Bty5 G54-G56L57)9Bu9$Y H54-H56L57)9Buq!I54-I56L57) 9BvYY#DPJ54-J56L57) 9BwdCV(K54-K56L57) 9BwufrBL54-L56L57) 9C0IeY"SUM(B58:L58)00+O46 918Ae"$M57-M58L58):!"balance-e5-:E8@vE!s9L49-B57L58):E3!f!B59-C57L58):E)@(b(C59-D57L58):E$!QD59-E57L58):E "@6hxE59-F57L58):EW5wtF59-G57L58):EUDG59-H57L58):E1VFH59-I57L58) :E131VTI59-J57L58) :EFTd6J59-K57L58) :EVSHK59-L57L58);!"balance-p7-;FC9L50-B58L58);F4etIqB60-C58L58);Fa`g2"C60-D58L58);Fw"D60-E58L58);FvXE60-F58L58);F8cpF60-G58L58);FcWGbG60-H58L58);FXbH60-I58L58) ;Fb1pI60-J58L58) ;E77J60-K58L58) ;EY%dK60-L58L58)=!"year 6f8-= "Jan = "Feb = "Mar =!"Aprilf8-= "Mayl= "June= "July= "Sept = "Oct = "Nov = "Dec =!"Totalf8- =!" e-p8-=!"after tax $>!"payment-e$>D(aL53>D(aB63>D(aC63>D(aD63>D(aE63>D(aF63>D(aG63>D(aH63 >D(aI63 >D(aJ63 >D(aK63 >E1GSUM(B63:L63)00+O46?!"payment-pUM(?CPL54?CPB64?CPC64?CPD64?CPE64?CPF64?CPG64?CPH64 ?CPI64 ?CPJ64 ?CPK64 ?DXESUM(B64:L64)00+O46 ?DV&M63-M64L64)@!"interest-e-@CVSPL59*D8/1200@Cb8s3B69*D8/1200@CbHC69*D8/1200@CvXC94 D69*D8/1200@CqHtBE69*D8/1200@Cf40tWFgF69*D8/1200@CaU2G69*D8/1200@CUY`9uH69*D8/1200 @CPY9 pPI69*D8/1200 @CE#Y"3J69*D8/1200 @C9GgK69*D8/1200 @Et&0hU8SUM(B65:L65)00+O46A!"interest-pM(ACy&`S&F`L60*D9/1200ACxXV%)B70*D9/1200ACxyyv`C70*D9/1200ACxI6GgD70*D9/1200ACx1ByE70*D9/1200ACxsrS@FF70*D9/1200ACxg&iVXG70*D9/1200ACx`urHH70*D9/1200 ACxT`5H%I70*D9/1200 ACxGX(PDitJ70*D9/1200 ACx@r5K70*D9/1200 AD`'0SUM(B66:L66)00+O46 AD SxbPM65-M66L66)AD$"%TN64-N66*C11/100+O56B!"principal-eBBIE0iB63-B65C11/BBIvafpC63-C65C11/BBPDpPD63-D65C11/BBPfXE63-E65C11/BBQFrY%F63-F65C11/BBQVT%30G63-G65C11/BBRITIFqapH63-H65C11/BBSbPI63-I65C11/ BBSUJ63-J65C11/ BBTaxfpK63-K65C11/ BBTbiu!i30L63-L65C11/ BCW i1DbSU$M(B67:L67)00+O56C!"principal-p(CBxB3g54B64-B66L67)CByD7@gC64-C66L67)CByg1`4D64-D66L67)CB0 F0U#0E64-E66L67)CBfrY F64-F66L67)CBWt`%U@G64-G66L67)CB"3 1 H64-H66L67)CBBuXPpI64-I66L67) CBSEApJ64-J66L67) CBS`K64-K66L67) CBqH L64-L66L67) CCv1 SUM(B68:L68)00+O56 C2V76%M67-M68L68)D!"balance-e?-DEb8rSIL59-B67L68)DEbH'2B69-C67L68)DEvXC92$C69-D67L68)DEqHqFDD69-E67L68)DEf40tT QE69-F67L68)DEaU(wF69-G67L68)DEUY`4G69-H67L68)DEPY9IH69-I67L68) DEE#YPgI69-J67L68) DE9GsrJ69-K67L68) DE46uP!UK69-L67L68)E!"balance-pA-EEwuhp`L60-B68L68)EEi$D'SB70-C68L68)EEaT$PC70-D68L68)EESS)@D70-E68L68)EEEv`tE70-F68L68)EE7`9F70-G68L68)EE)8qG70-H68L68)EE! AV0U H70-I68L68) EEtfFI70-J68L68) EE2EHJ70-K68L68) EEa'K70-L68L68)G!"year 7B-G "Jan G "Feb G "Mar G!"AprilB-G "MaylG "JuneG "JulyG "Sept G "Oct G "Nov G "Dec G!"TotalB- G!" e-pB-G!"after tax $H!"payment-e$HD(aL63HD(aB73HD(aC73HD(aD73HD(aE73HD(aF73HD(aG73HD(aH73 HD(aI73 HD(aJ73 HD(aK73 HE1GSUM(B73:L73)00+O56I!"payment-pUM(ICPL64ICPB74ICPC74ICPD74ICPE74ICPF74ICPG74ICPH74 ICPI74 ICPJ74 ICPK74 IDXESUM(B74:L74)00+O56 IDV&M73-M74L74)J!"interest-e-JC46uP!UL69*D8/1200JC(%(B79*D8/1200JC#'w(Y%C79*D8/1200JCdBfBD79*D8/1200JCPQ`BE79*D8/1200JC"6PV(%F79*D8/1200JCBHv3G79*D8/1200JCV6ggH79*D8/1200 JCe(GS%I79*D8/1200 JCgErJ79*D8/1200 JCvdA)(K79*D8/1200 JEge0v1SUM(B75:L75)00+O56K!"interest-pM(KCx4 59L70*D9/1200KCx'Bwt#B80*D9/1200KCx `%rH6(C80*D9/1200KCxr2WaD80*D9/1200KCxx&tTxE80*D9/1200KCwEF80*D9/1200KCwug9G80*D9/1200KCwehF'i$H80*D9/1200 KCwxPaqI80*D9/1200 KCwq(x8pJ80*D9/1200 KCwdx$uXK80*D9/1200 KDyGgSSUM(B76:L76)00+O56 KD 4DX&M75-M76L76)KD18N74-N76*C11/100+O66L!"principal-eLBU2DApB73-B75C11/LBUrIwAg C73-C75C11/LBV("'PD73-D75C11/LBVPIEs5E73-E75C11/LBWA4F73-F75C11/LBWv47PG73-G75C11/LBXVu(6pH73-H75C11/LBY19S#0I73-I75C11/ LBYtG%$gPJ73-J75C11/ LB`4!eBpK73-K75C11/ LB`UI L73-L75C11/ LCcy#hXSUM(B77:L77)00+O66M!"principal-p(MBR@f@pB74-B76L77)MB r"Qi C74-C76L77)MBBu7 D74-D76L77)MBWvpd#E74-E76L77)MB'G2TR F74-F76L77)MBHpG74-G76L77)MBgC&!(@H74-H76L77)MB8C7#`I74-I76L77) MB 0CBJ74-J76L77) MB K74-K76L77) MBTX2D L74-L76L77) MCs$iPiBSUM(B78:L78)00+O66 M4DEhM77-M78L78)N!"balance-eI-NE(%qwCL69-B77L78)NE#'w'`qB79-C77L78)NEd%r0C79-D77L78)NEP1D79-E77L78)NE"6P1fVE79-F77L78)NEBH"F79-G77L78)NEV5i4`G79-H77L78)NEe(9(H79-I77L78) NEgE"I79-J77L78) NEvdA(hYJ79-K77L78) NEpTiK79-L77L78)O!"balance-pK-OE(1S"CL70-B78L78)OExf$1efB80-C78L78)OEi4W7QC80-D78L78)OEa!V7D`D80-E78L78)OER8dE80-F78L78)OECI`F80-G78L78)OE4RAa"5GG80-H78L78)OE%HW)hcH80-I78L78) OE7W6d%I80-J78L78) OE6J80-K78L78) OE'2XK80-L78L78)B76L77)MB r"Qi C74-C76L77)MBBu7 D74-D76L77)MBWvpd#E74-E76L77)MB'G2TR F74-F76L77)MBHpG74-G76L77)MBgC&!(@H74-H76L77)MB8C7#`I74-I76L77) MB 0CBJ74-J76L77) MB K74-K76L77) MBTX2D TIME TO REFINANCE ? I yo bough you hom severa year ag whe interes rate wer hig yo migh conside refinancing use Supercal t se u spreadshee t compar m existin loa wit propose loa fo seve year (poo Ossi dosen' hav enoug memor fo longe comparison) Whe yo suppl th spreadshee wit you curren loa balanc interes rate propose interes rate points fees an ta bracke th spreadshee calculate a amorizatio tabl o bot loan an th afte ta cas flow Yo ca the decid i yo ar goin t ow th hom lon enoug fo th refinancin t b worthwhile Th spreadshee i submitte to the libary under the name LOANCOMP.cal. Jim Rowe 3433 Mission Dr. #E Santa Cruz, CA 95065 (408) 462-5794% This is the release date of the disk. CRCRDS CAL 7$CRDFWD TUT @CRDFWD XQT BCRDS TUT CCRDS XQT EDEP TUT FDEP XQT GEARN TUT HEARN XQT JEXP TUT K EXP XQT NFF TUT OFF XQT QLIAB TUT RCHX .TUT 2E 51 2176 17 CHX .XQT 9C 98 128 1 CHXOPS .CAL B7 98 19456 152 CHXOPSOV.CAL 8E 79 8960 70 CLOZOPEN.TUT 74 C7 2176 17 CLOZOPEN.XQT 3A 42 256 2 CRCRDS .CAL F8 3C 9216 72 CRDFWD .TUT 4D AF 2048 16 CRDFWD .XQT 0F A7 256 2 CRDS .TUT FD 30 1408 11 CRDS .XQT A8 CB 128 1 DEP .TUT 8E 53 640 5 DEP  Fog Library Disk FOG-CPM.068 Copyright (1986) by Fog International Computer Users Group to the extent not copyrighted by the original author for the exclusive use and enjoyment of its members. Any reproduction or distribution for profit or personal gain is strictly forbidden. For information, contact FOG, P. O. Box 3474, Daly City, CA. 94015-0474. as part of the description of a file indicates that the program is distributed on a "try first, pay if you like it" basis. If you find the program(s) meet your need, please refer to the author's documentation for information on becoming a registered user. Only by registering and paying for the programs you like and use will the authors of such programs continue development. Often, more complete documentation, additional modules, and new releases are available only to registered users. SuperCalc applications. Filename Description -06-00 .86 This is the release date of the disk. -CPM068 .DOC This is the description of the disk contents. README .CHX 2395 3K [CHX 1 of 46] SuperCalc 1.12 (or higher) monthly check record and financial operating summary. Makes extensive use of eXecute command. ASSTS .TUT F1B6 2K [CHX 2 of 46] ASSTS .XQT 2C1B 1K [CHX 3 of 46] BNKST .TUT F9B2 2K [CHX 4 of 46] CASH .TUT 9C7E 1K [CHX 5 of 46] CASH .XQT 1653 1K [CHX 6 of 46] CHKLST .TUT 34DE 2K [CHX 7 of 46] CHNGS .TUT 5FD9 3K [CHX 8 of 46] CHNGS .XQT 7737 1K [CHX 9 of 46] CHX .TUT 2E51 3K [CHX 10 of 46] CHX .XQT 9C98 1K [CHX 11 of 46] CHXOPS .CAL B798 19K [CHX 12 of 46] CHXOPSOV.CAL 8E79 9K [CHX 13 of 46] CLOZOPEN.TUT 74C7 3K [CHX 14 of 46] CLOZOPEN.XQT 3A42 1K [CHX 15 of 46] CRCRDS .CAL F83C 9K [CHX 16 of 46] CRDFWD .TUT 4DAF 2K [CHX 17 of 46] CRDFWD .XQT 0FA7 1K [CHX 18 of 46] CRDS .TUT FD30 2K [CHX 19 of 46] CRDS .XQT A8CB 1K [CHX 20 of 46] DEP .TUT 8E53 1K [CHX 21 of 46] DEP .XQT 2293 1K [CHX 22 of 46] EARN .TUT AB43 2K [CHX 23 of 46] EARN .XQT F041 1K [CHX 24 of 46] EXP .TUT ADFB 3K [CHX 25 of 46] EXP .XQT 1024 1K [CHX 26 of 46] FF .TUT 4593 2K [CHX 27 of 46] FF .XQT 9A83 1K [CHX 28 of 46] LIAB .TUT 9547 2K [CHX 29 of 46] LIAB .XQT FF39 1K [CHX 30 of 46] MNTH1 .TUT 8D60 1K [CHX 31 of 46] MNTH1 .XQT C7A0 1K [CHX 32 of 46] MNTH2 .XQT FE02 1K [CHX 33 of 46] OPSTRBL .TUT 33AC 2K [CHX 34 of 46] OPSTRBL .XQT 9603 1K [CHX 35 of 46] OV01 .TUT 6C4C 8K [CHX 36 of 46] OVEX .TUT F83D 7K [CHX 37 of 46] RPT1 .XQT 1675 1K [CHX 38 of 46] RPT2 .XQT 2A8C 1K [CHX 39 of 46] RPTS .TUT F325 2K [CHX 40 of 46] SAVE .TUT C05F 2K [CHX 41 of 46] SUMCRDS .TUT 0CDD 2K [CHX 42 of 46] SUMCRDS .XQT A414 1K [CHX 43 of 46] TRBL .TUT 08E5 2K [CHX 44 of 46] TRBL .XQT 49A7 1K [CHX 45 of 46] TYPES .TUT E5AD 2K [CHX 46 of 46] CALENDAR.CAL 1095 25K [Calendar 1 of 2] SuperCalc 1.05 template to generate a calendar for any year 1900 through 1999. Easy to modify for 21st Century. CALENDAR.DOC 0155 3K [Calendar 2 of 2] LOANCOMP.CAL 6137 21K [Loan Comparison 1 of 2] SuperCalc 2 template which compares loan rates, after tax cash flow, fees, tax bracket, etc. for home loans. LOANCOMP.RTN E936 1K [Loan &Comparison 2 of 2]  [CHX 17 of 46] CRDFWD .XQT 0FA7 1K [CHX 18 of 46] CRDS .TUT FD30 2K [CHX 19 of 46] CRDS .XQT A8CB 1K [CHX 20 of 46] DEP .TUT 8E53 1K [CHX 21 of 46] DEP .XQT 2293 1K [CHX 22 of 46] EARN .TUT AB43 2K [CHX 23 of 46] EARN .XQT F041 1K [CHX 24 of 46] EXP .TUT ADFB 3K [CHX 25 of 46] EXP .XQT 1024 1K [CHX 26 of '