Dec 092017

BigFin is a practical, multi-purpose finance program. The four areas covered are Annuity & Savings, Business & Finance, Loans, and Miscellaneous. | |||
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BIGFIN.DOC | 36945 | 14003 | deflated |

BIGFIN.EXE | 174948 | 95967 | deflated |

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## Contents of the BIGFIN.DOC file

BigFin Financial Program Documentation

v 3.xx

by

Gary D. Moore

5161 Howard Road

Smiths Creek, MI 48074-2023

Copyright (c) 1985-94

License is granted upon registration of BigFin program

Disclaimer

Gary D. Moore will not be liable for any damages, including any decrease

in profits, losses or other incidental or consequential damages arising

from the use of, or inability to use BigFin, or related software products,

even if Gary D. Moore has been advised of the possibility of such damages,

or for any claim by any other party. BigFin and related programs are

distributed with the understanding that if it is used and found to be of

value, the user will register for a contribution of $20 with the response

form. Registration is appreciated and encouraged. (The "monies" go to

a College Memorial Scholarship Fund. Thanks for helping!) Upon receipt

of registration, a diskette with the most recent version of BigFin, and

related programs will be mailed to the user. Registered users will be

notified of major revisions and updates. A modest fee will be charged for

the updates. For a large number of BigFin copies (and related programs)

contact Gary D. Moore at the address on the response form about site

licensing and/or quantity purchases. BigFin can be used like a book...

one person using it at a time. One registration is not a site license.

BigFin Un-History

The history of BigFin (short for Big Financial Program) may not matter to

some users, so an un-history is provided below:

The "un-history" of BigFin... on a wintry Michigan night in 1985, a friend

and I were trying to determine finance charges. The available programs for

the PC had too many errors to be reliable (not even close to Barron's

figures). Thus, crash code, no frills, no selection menu, etc., and BigFin

was born. Within a very short period of time, suggestions came from

associates for more formulas/calculations that kept me digging through college

texts, and reviewing notes from various college finance classes (have you ever

looked at notes several years after you wrote them...?). Solutions have been

provided for most suggestions. (SEND IN YOURS!!!!)

My rational for BigFin is to provide a practical, multipurpose finance

program. Five areas are included with BigFin. Those areas are 1) Annuity &

Savings, 2) Business & Finance, 3) Loans, 4) Miscellaneous, and 5) Currency

Conversion. Each of the menus has several formulas/calculations. The

Miscellaneous Menu is comprised of "things" that did not fit into the normal

financial menus, and may or may not be FINANCIAL in nature (they don't cost

extra).

BigFin's un-history hasn't ended yet... BigFin is still evolving. If you

have a SUGGESTION, and want to be a part of BigFin's history, please send it

to me.

BigFin Notes

ASCII Files:

BigFin allows printing a "screen" to an ASCII file. You can direct the TEXT

to any (legal) PATH. An extension may also be added (if no extension is

provided, BIG will be appended to the FileName). Beginning with v 3.16,

you can APPEND to an EXISTING file. This suggestion was brought to you by

Ken K. from New York State. A helpful feature if you want to include BigFin

data in a word processing file. Please NOTE: a PAGE FEED is provided with

the ASCII file, so you may will (manually) need to remove it if you use the

"output" in an ASCII file. Also NOTE: To ascertain that a file contains the

correct information, you can use the File Viewing Utility on the Miscellaneous

Menu to review it. When using File View, enter the same PATH (or none), then,

select the desired file. VIEW is a handy BigFin feature.

Caution/Warning/Disclaimer:

Math is double precision, thus, very accurate. Nevertheless, because of

varying standards in calculating, it is my request that results be used for

estimating only. There are too many "unknowns" to claim these figures

accurate in every instance (i.e. late payment charges, early payments,

surcharges, insurance, taxes, etc.). Use the results as a guide only, and

please review the disclaimer at the top of this document.

A "benchmark" calculation is a loan of 8,000.00 at 8% for eight (8) years,

the PAYMENT should be 113.09. Some early "chips" had a floating point error

that caused inaccuracies.

Comment/Memo Note:

You can "add" a fifteen line (sixty chars. per line) COMMENT/MEMO/NOTE to

the print-outs and ASCII files created by BigFin.

Printing:

Control codes are written to output ASCII text. Therefore, most printers

should work without problem. Results can be sent to a printer by selecting

"P" (as prompted). After the screen is dumped, the page is ejected from the

printer (this also works with laser printers). If the printer is not

available, a message displays: "Turn printer ON! (Press

printer is not available after three cycles, the program will continue (thus,

not hang you up). If a print spooler/buffer is enabled, the information is

sent as though the printer was receiving data.

NOTE: You can input the number of LINES to PRINT (before a PAGE FEED)...

suggested by Clark L. (this has been implemented because of varying page

lengths with "laser" printers).

Registration:

Registered copies of BigFin are available (and encouraged) from the address

provided on the Response Form. Please enclose a check or money order for

$20 (US funds). Registered users will be notified about major revisions.

An update (for a registered user) can be obtained by sending $6 (US funds)

at anytime. Please send the response form provided, or PRINT the screen on

the Miscellaneous Menu about REGISTERING BIGFIN. Using the response form is

better, since the "questions" posed are helpful to me.

Oh yes, if you didn't read it in the above... the "monies" collected from

BigFin go to a College Memorial Scholarship Fund, so thanks for helping the

kids who need it (my family members are not eligible, so rest assured that

this isn't a scam).

System Requirements:

BigFin displays on Monochrome/CGA/EGA/VGA monitors. The minimum system

configuration is one floppy disk drive and 256K RAM. (Hard disk users

should set their PATH to the directory where BigFin resides, therefore,

BigFin is available anytime at the system prompt, i.e.

PATH=C:\;\C:\UTIL;C:\DOS). BigFin runs flawlessly on virtually all TRUE

compatibles. If it does not run on your computer, please send me the

computer information via the "BigFin Response Form" at the end of the

document.

NOTE: Some Leading Edge machines, or near compatibles, do not display

the menu boxes as they should.

TSR Programs:

If you have difficulty running BigFin and your machine is a 100% (PC)

compatible, a TSR (Terminate and Stay Resident) program may be the culprit.

A TSR program (STACKEY) prevented BigFin from working on my friend, Dr.

Jensen's, AT with a speed up crystal. We thought it was the speed crystal,

but it was, indeed, the TSR program. BigFin functions flawlessly with

SuperKey and Sidekick (by Borland). Please inform me of any TSR programs

that conflict.

Odds & Ends:

1) Knowledge of Finance and Insurance terminology is helpful. Please

reference appropriate dictionaries for unknown terms.

2) BigFin Bar-Menu allows selection by number (1 to 9, that is), or using

cursor keys. The HOME and END keys move the cursor bar to the First and

Last item of the menu respectively. Function Keys F1 and F10 "pop-up" a

Calendar, and a Calculator respectively. Handy items to have when using

a financial program.

3) Users should know prevailing interest rates (for loans and annuities),

and the number of annual compounding periods (it is possible to have up

to 365 COMPOUNDING PERIODS in a year, BUT not more than 365). BigFin

calculations will print (and use) 365 if a larger number is entered in

any of the Annuity/Savings calculations.

4) DO NOT use a DECIMAL point when entering PERCENTAGES nor a COMMA when

entering dollar amounts (i.e. 14% is "14", not .14, and $1400 is "1400"

not 1,400. However, 10.125% is "10.125", and $99.99 is "99.99"). A

decimal point in the wrong place will produce an erroneous calculation.

If your answer looks out-of-line, you may have made an entry error (it's

okay, you're human!!!!).

5) The

Menu. Also note, you must enter a number unless the field is "OPTIONAL"

such as, the YEAR and MONTH of the Loan Amortization Schedule. All

OPTIONAL fields are indicated as such.

6) A pop-up calendar and calculator are available at any MENU. Press

Function Key One (F1) or Function Key Ten (F10) to use these. The Calendar

will increment the MONTHS forward with PgDn while PgUp increments the

MONTHS backward. Press any other key to return to the MENU. The

Calculator has basic functions, add, subtract, multiple and divide. The

prior results are kept. Press "C" to clear any entry.

7) Feedback is welcome. Positive comments are encouraged, but negative

constructive opinions are also welcome. Please be honest about BigFin.

Selling BigFin is not meant to make millions, but rather provide a good

product at a reasonable price. BigFin is marketed via the "Shareware"

approach. BigFin is copyrighted and protected under applicable copyright

laws. The author is the only legal agent to register and sell BigFin

unless other agreement has been made.

8) Site registration is available. For a large number of BigFin copies

(and related programs) contact Gary D. Moore at the address on the

response form about site licensing and/or quantity purchases. BigFin can

be used like a book... one person using it at a time. One registration

does not mean site license.

9) You can press (Function Key) F10 (as indicated on the lower right-hand

corner of your screen) for a "pop-up" Calculator at "any" numeric entry.

However, the "result" does NOT transfer BACK to your "entry" field...

I'll wait for feedback on that.

Acknowledgements and Reference:

Encouragement from friends in the Accounting, Securities, and Insurance

professions have helped me select several problem solving modules in BigFin.

BigFin formulas have come from a variety of sources (college math and

finance professors, the producers of the books listed below, and real-life

situations). The following are recommended resources for any library:

Huffman. Programmed Business Mathematics, Vol. 1 & 2, Fourth Edition, 1980

Logan. Strategy, Policy and Central Management, Eighth Edition, 1981

Maaz, Dr. Statistics, Ferris State College, 1981 (Class notes)

Maaz, Dr. Statistical Inference, Ferris State College, 1981 (Class notes)

Niswonger & Fess. Accounting Principles, 12th Edition, 1978

Weston & Brigham. Essentials of Managerial Finance, Fifth Edition, 1979

Thanks:

Especially to the great staff at Crescent Software for several routines

included in BigFin. To name "each" would take a long time. However, none

of their MATH routines are included (I felt more comfortable with my own).

Appreciation is also due the "many" registered users and "friends" who

have "suggested" enhancements to BigFin. To list "everyone" would take a

long, long time. So, thanks!

Finally:

BigFin will help you realize why John Paul Getty said, "...(compound)

interest is the eighth wonder of the world." Happy financing!

BigFin Financial Program (Menu) Information

Annuity & Savings Programs

The Annuity and Savings Menu consists of several programs. Results obtained

from these programs will convince you about the rewards of saving. It is

recommended that BigFin users be familiar with terminology in Finance,

Insurance, and Securities industries. A brief explanation follows for each

program module by title (in alphabetical order):

Earned Interest Calculation - provides the amount earned on an investment

over a period time at a fixed interest rate. A great module to prove the

rewards of saving. One thousand dollars at 7.5% for 10 years will yield

$1061.03 in interest (a total of 2,061.03), while $1000 at 7.5% for 15

years produces $1958.88 in interest (a total of 2,958.88). Saving for five

more years at the same rate almost doubled the interest earned.

Effective Interest of an Investment - depicts actual earning power of an

investment. This can be considered to be like the average interest rate of

an investment. Use with caution!

Estimated Income from an Investment - calculates the amount of investment

needed for a desired withdrawal. This figure is based on the number of

withdrawals per year, the interest rate, and number of years to withdraw.

This is a great tool for planning cash flows, or retirements.

Future Value of a Single Deposit - shows the future value of an investment

at a fixed interest rate compounded at regular intervals for a specific

period of time. Depicts the power of saving. This algorithm showed

friends who just had a baby what a thousand dollars would yield in 18

years. A thousand dollars at 7.9% (compounded quarterly) yields $4,016.80

for college. Of course, adding to that annually will yield much more.

Future Value of a Single Deposit (Annualized) - is essentially the same as

the preceding, but shows the annual growth rate. This growth is the

cumulative interest plus the initial investment. Simple? Thanks Tom L.

for the suggestion (others like the results too). Oh yes, if the investment

is more than fifteen years, you are asked if you want a printout (hardcopy).

Pressing anything by "Y" will send the results to the screen.

Future Value of Regular Deposits - calculates future value of (equal value)

deposits at a fixed interest rate for the number of compounding periods

over a time period. My brother has a hard time squirreling away a

thousand dollars a year for an IRA, but he can manage $15 per week. That

fifteen dollars per week fifty-two times a year at seven percent interest

(compounded quarterly) will yield him $33,499.80 at the end of twenty years.

The monies can then be transferred to another fund from which he can draw a

retirement supplement.

Interest Paid and Interest Earned - derived from my buddy ("JC") who always

wants to know what monies "borrowed" cost (in interest) compared to the

same monies "invested." This module has a highlight bar referencing the

Loan, Investment, or both. (Loan payment is automatically calculated).

Information regarding the loan and investment must be known. The end result

clearly shows the cost of monies borrowed verses monies invested.

Investment Interest Rate Calculation - calculates the Effective Annual

Interest Rate (EAR) of savings, or annuity. It is akin to the method of

finding the APR (Annual Percentage Rate) of a loan, but in regard to

savings.

Present Value Required for a Future Value - determines the estimated amount

of an initial deposit required to obtain a desired future value. This is

based on the desired future value, compounding periods, fixed interest

rate, and number of years deposited. A desired $25,000 in ten years is

obtained by investing $12,490.02 at seven percent (compounded quarterly)

now (the system date appears on the screen).

Rate Of Return of an Investment - simply, the ROI, or Internal Rate of

Return. This equation shows the average interest rate earned by an

investment.

Regular Deposits Required for a Future Value - calculates the deposit

needed to realize a future value. Deposits are made on a regular basis.

The interest rate, compounding periods, and time period of the investment

must be known. If $25,000 dollars was your goal, a regular deposit of

$34.94, fifty times a year at seven percent interest (compounded quarterly)

for ten years will accomplish it. It's incredible what thirty-five dollars

a week can do when saved on a regular basis.

Regular Withdrawals from an Investment - calculates how much may be

withdrawn from an investment WITHOUT reducing the initial investment. A

calculation for the conservative minded who want their nest-egg secure.

Total Depletion of an Investment - this module is effective when a lump-sum

is to be spent over a period of time. The amount is selectable by the user

as is the time period. This module demonstrates a good way to see how long

it takes to spend monies (so that the relatives who didn't earn it, don't

get it when you're gone). As the bumper sticker says, "I'm having a ball

spending my kids inheritance...." I added an optional INCREASE per year.

Though, the INCREASE is based on an annual amount... not on the WITHDRAWAL

amount. A value does not have to be entered.

Varying Rates, Future Value of a Single Deposit - provides a future value

of an investment at various rates with the chosen interest rate as a

midpoint. The user has the ability to enter one rate (e.g., 10%) plus a

variance of the rate to compare returns. An exercise in "What if the rate

was higher or lower?" Covers those situations where investment interest

rates vary (as some "guaranteed" annuities may have in small print). The

VARIANCE entered by the user will show the least amount returned to the

greater amount returned. Variances are twice the variance below and above

the entered amount. This module is a modification of FUTURE VALUE OF A

SINGLE DEPOSIT. A practical application is an investment in ZYX Annuity

Fund guarantees five percent as a low rate of return, and nine percent as a

high. Ten-thousand is the initial investment, compounded quarterly for ten

years. Entering the information with seven percent as a midpoint with one

as the variance shows that this investment will yield $16,436.19 at five

percent (low rate), and $24,351.89 at nine percent (high rate). This

variance shows (at a glance) the variance to be expected from the investment.

ZYX Annuity is fictitious, but these kinds of annuities are real. This is a

good "ball park" estimator.

Business and Finance Programs

This menu consists of programs related to business and finance, but do not

fit other areas. A brief explanation follows for each program module by

title (in alphabetical order):

Break Even Calculation - shows amount of sales needed to break even on an

item (or service) when FIXED COSTS, RETAIL PRICE, and VARIABLE costs are

entered. Provides the break even amount and number of items (services)

necessary to sell for suggested profit.

Discounted Commercial Paper - is a complex financial problem made simple

after supplying the maturity value of a note, the amount of interest it

bears, and the number of days until it reaches maturity. It is a common

practice to buy Account Receivables at a discount then receive full amount

"X" days later.

Earnings/Wage Calculation - selected by Annual Salary or Hourly Rate. Hourly

Rate uses the hourly wage, number of hours worked per pay period, and number

of pay periods per year. Result for both entries show earnings per Minute,

Hour, Pay Period, Month, Year. (No matter how MUCH we earn... it's NEVER

enough!!!!)

Internal Rate of Return (IRR) Calculation - (for "old" BigFin users, the

IRR calculation has returned in v 3.15+.) IRR equates the present value (PV)

of the expected future cash flows (or receipts) to the initial investment.

The INITIAL investment must be known, and the NUMBER of cash flows must be

ONE or more. And, the CASH FLOWS (negative for additional investment and

positive for returns) must be known (estimated). The IRR calculation takes

a bit longer than most calculations since it keeps looping until the Present

Value of the cash flows from the investment is about equal to its cost. When

this equalization occurs, the result is the IRR. Please remember, IRR is a

"guess-ta-mation" equation... USE IT WITH CAUTION! Howard C. requested that

I add (revitalize) IRR in BigFin.

Lease/Buy Decision - (back by popular demand) provides a guess-ta-mation

for Leasing and Buying. This calculation is based on the Net-Present-Value

of monies. The cost of the ASSET, Amount of the LOAN, Percentage Rate of the

LOAN, Length of the LOAN, Salvage Value at the END of the LOAN (or BUY BACK

value), Tax Rate (optional), Monthly lease rate, and Depreciation (for EACH

year of the LOAN) must be entered as prompted. The (Net) Present Value of the

LEASE and LOAN are displayed. The ADVANTAGE (to Lease or Buy) is shown.

Mean (Average) & Standard Deviation Calculation - a very simple module that

allows entry of data to produce an average. If Linda F. needs to know the

average of her class test scores, she can input the scores and determine

an average as well as the deviation from the average.

Population Sample Size Calculation - is a Statistics formula. It provides

the necessary number of people/items for sampling based on a population for

a Scientific Systematic Survey. The user supplies the base (number) for

sampling. (Note: The population/base must be greater than 125.)

Loan Programs

Loan programs in BigFin are helpful for anyone financing anything. A study

of the loan modules will open a new view on the world of financing. Because

modules are simple to understand and easy to use, the explanations are

brief. All calculations use simple interest based on the standard formula

INTEREST equals PRINCIPAL times RATE times TIME (plus a few more wiz-bangs

added). An explanation follows for each module by title (in alphabetical

order):

Annual Percentage Rate (APR) of a Loan - provides the actual interest rate

paid on a loan. This is very helpful when a rate is advertised to be a

bargain, such as, an automobile ad. The formula will depict the real

"cost" of a loan. Also note: Credit Life should be added to the loan

repayment to attain a true and accurate APR. This formula is the same as

the one perscribed by The Truth and Lending Law (formula is provided on the

screen for those questioning its validity).

(Daily) Interest on Loan Principal Calculation - computes interest paid for

the number of days (supplied by the user) for a specified loan principal at

an annual interest rate. Note: Interest figured on 365 day year. If zero

(0) is entered, the user can enter specific dates. Calculation for the

number of days is derived from the entered dates.

Final Payment Calculation - will ascertain the last payment amount for a

loan. A very simple calculation, but variance occurs because of "hidden

and unknown" factors. Please use with caution... it's an estimate!

Interest Paid and Interest Earned - Please see explanation in Annuity and

Savings section. This selection is common to Loans and Annuities, thus

it is on both menus.

Loan Amortization Calculation - provides a summary of a loan (a second menu

prompts output to the Screen, Printer, or ASCII file (PATH Optional)). The

loan program is excellent for calculating Land Contracts. Calculations

have an annual summary for principal and interest paid. Output shows the

Payment Number, Month/Year, Payment, Principal, Interest (per payment),

Interest-To-Date (ITD), and Balance of the Principal (as of that payment).

The annual summary is January through December with Year-To-Date totals for

Principal, and Interest paid. The "last" payment is designated as LAST, and

may appear as the thirteenth payment in the final year.

Notes: 1) A BONUS payment option can be entered (maximum two (2) per year)

for the indicated months (i.e. 1 = Jan, 2 = Feb, etc., 0 = Quit). The BONUS

payment is in ADDITION to the NORMAL payment. The DEFAULT is a double

payment. You can enter what you wish. 2) A BALLOON PAYMENT OPTION allows

calculates by either a Number of Payments, or Month and Year of the Last

Payment. 3) As of v 3.17 you can EDIT the entered VALUES. A message prompts

"MODIFY ANY OF THE ABOVE ENTRIES (Y/N)?" The user MUST enter either a 'Y' or

an 'N' to MODIFY or continue respectively. 4) A summary and disclaimer appear

at the end of the listing. 5) If there is a REMAINING LOAN BALANCE at the end

of a BALLOON Loan Amortization, the user may select "Y" at the prompt,

"ANOTHER (Y/N)?" The REMAINING LOAN BALANCE with then be the Loan Principle.

Other previous values are retained.

Loan Payment Calculation - determines the payment needed to satisfy a loan

based on interest rate, length (years) of the loan, number of payments per

year, and the loan principal. Provides the amount of interest paid. This

payment calculation is the same rendered by the two amortization

calculations in BigFin (and Barron's Loan Amortization Schedule).

Loan Principal Calculation - calculates the loan principal after entering

the number of payments per year, amount of payment, interest rate, and the

length of time to repay a loan. Real life circumstance... "JC" believes

he can afford $300 a month for a car. He knows the interest rate on the

car is twelve percent. Based on a four year payment schedule twelve times

a year, the calculation shows he can borrow $11,392.19. Be cautious, this

amount can vary because of "hidden" expenses, late fees, etc., when

borrowing. However, it is a good estimation tool.

Loan Repayment Period /w Total Interest Repaid - shows the length of time to

repay a loan. You supply the annual interest rate, the number of years to

repay the loan, and loan principal. Beware of "hidden" expenses of a loan,

these costs can distort the calculation. Incremental increases depict the

merit of a quicker pay off.

Lump Sum Payment Calculation - determines the interest and lump sum payment.

This is helpful when someone makes a set payment on a loan with interest. A

number of farms in Michigan have been sold using this method (payment plus

interest, paid once a year). This module was a suggestion by Gale F., a life

long friend and securities guru.

Remaining Loan Balance - helps determine the payoff on a loan. The number

of payments per year, the interest rate, the amount of the payment, and

number of payments made thus far are required. If you secure a loan for

your home based on twelve payments per year at ten percent interest at $400

per payment on $42,000, and you have made three payments into your tenth year

(123 payments), you would owe $32,926.58 on the loan. This information is

essential if you are thinking about re-financing, or obtaining a second

mortgage. Hidden expenses/fees will distort this figure, please use this

result with caution. As with other calculation, remember that this is only

an ESTIMATE!

Spread Sheet Loan Amortization Schedule - information entered regarding

Loan Principal, Interest Rate, Length of Loan (in years), Month and Year

(loan begins) is used in the spread sheet. This module provides a "what-if"

scenario. Inclusion of this module has been the MOST difficult and time

consuming of any single effort within BigFin. (I'm not complaining, just

stating a fact for those who will request changes, alterations, etc.)

Note: 1) If you put in a payment that is GREATER than what is needed, the

number is changed to the amount to payoff the loan. 2) The OUTPUT to SLK

file is done to enable "users" to DUMP data to a Spread Sheet of choice. I

use the SLK (Symbolic-Link) format to avoid law-suits (the 1-2-3 people have

"sued" in the past). Most Spread Sheets import SLK (or SYL) format. Oh yes,

the "formulas" go with the SLK export. Exceptions are the "annuals" (for

Interest and Principal); these are NOT included (too many variables).

Additionally, the SLK files import to Microsoft Excel retain the formulas.

I CAN NOT vouch for Lotus 1-2-3 to do this.

Variable Payment Loan Amortization Calculation - provides a summary of a

loan (a second menu allows selection of output to the screen, printer, or

an ASCII file (PATH optional)). This loan program is very helpful to

calculate loans paid bimonthly, every two weeks, or when you want to make

thirteen payments a year verses twelve. Output displays Payment and

Year, Payment Amount, Principal Paid, Interest Paid, Interest-To-Date (ITD),

and Balance of the Principal (as of that payment). Annual summary is

January to December with Year-To-Date totals for Principal and the Interest

paid that year. A summary and disclaimer appear at the end of the listing.

(This was suggested by a friend to ease his land contract woes in figuring

variable payment amounts. Good suggestion, Dick!) Caution: When using

this program, the payments begin at the first of the month of the system

date, therefore, it may look like an extra payment is being made that year.

Payments are numbered rather than having the Month displayed.

Miscellaneous Programs

The miscellaneous programs are financial and business related formulas that

do not fit other sections of BigFin. However, they are handy. A brief

explanation is provided for each module by title in alphabetical order:

Age Calculation - enter your birthday (MMDDYY), and you have the years,

or hours, or minutes, or seconds you have lived. Great for kiddies who

MUST know how many minutes they are old (the rest of us want to forget).

Area to Square Feet/Square Yard Calculation - computes number of feet/yards

of material need to cover an area. If total square feet is known, it can be

entered. Cost per square yard can also be entered. (Square METERS also

displayed.)

Area (Square Feet) to Acreage Calculation - a simple equation to determine

acreage. If total square feet is known, it can be entered; length and

width are requested otherwise. Acreage is return to the hundredth. A lot

90 feet by 100 feet is .21 acres. (Square METERS also displayed.)

ASCII Chart - was added to help "me" quickly find a character when

programming. Uses cursor keys to move around the chart. Same code as my

ASCIIWIN program. (A 'steal' from the Crescent collection... in assembler.)

Circle, Area & Circumference Calculation - provides the radius of a circle,

and several variations of the results is displayed.

Cubic Foot/Yard Calculation - is very useful when estimating the amount of

concrete or fill need. If the total square feet is known, it can be entered.

If not, the user is prompted for the length and width. The depth is also

required. An OPTIONAL cost per cubic yard is prompted. If a cost is

provided, an estimated COST is given. A neat calculation for estimating the

fill dirt needed to "level" your yard.

File Viewing Utility - provides a means to look at files. The files do NOT

have to be ASCII text (but, I don't know many people who can make sense of

the "guru" characters on the screen). You can enter any PATH (e.g. \TEXT

or B: (for the diskette in Drive B:)), then select the desired file by

moving the cursor bar over it and Press

pops up. Change the contrast, or Press

selected. (Hope you find this useful! It is, essentially, the same code as

my VIEW utility.)

Fuel Consumption and Cost Calculation - needs the number of units

(gallons/liters), the cost of each unit, and miles/kilometers driven. The

calculation figures the cost per mile and kilometer.

Home Owner's Cost Calculation - was essentially a Public Domain program

that has been drastically altered to produce the output to the screen, or

the printer. These calculations are based on a single residence tax

deduction, and provide estimation of savings by realization of gain through

increase property value, reduction of mortgage principal, and recovery based

on a person's tax bracket. These calculations are to be used as a guide for

prospective buyers. Please... use this for an ESTIMATE only!

How To Become A Registered User - hopefully, everyone will read this first

and immediately send their registration fee to the author. This selection

displays an address with which to register BigFin if the documents are not

available.

Systems Information Summary - is the system configuration summary of the

computer on which BigFin is running. It is essentially the same code used

in my SysInfo.COM program.

Text Editor (ASCII File) - this is a simple TEXT editor added due to demand.

It is very easy to use. A "cheat-sheet" (Big_Edit.DOC) is included to show

the various HOT-KEYS the BigFin Editor uses. The TEXT file size CAN NOT

exceed 400 lines (about 16K). When exiting, you are prompted IF you would

like FILENAME.BAK created. "Y" creates a "backup" of the file. The Editor

is added as of version 3.24. Note: The file must EXIST before you can edit.

Time Transfer Calculation - is helpful to determine time needed to transfer

a file via a modem. Baud rate is selectable. Cost per minute can also be

entered (optional).

Document Menu

The DOCUMENT Menu displays this text to screen within BigFin. You can also

print the Response Form, and this Document to the printer attached to printer

port ONE (1). The response form can be folded, then sent with the

appropriate First Class postage.

I provided a DEFAULT "path" for the BigFin Document to be either \UTIL\

or \MISC\BIGFIN\ (thus, making it easier to find). (The INSTALL program

installs BIGFIN.EXE and BIGFIN.DOC in the \UTIL directory as its default.

NOTE: If you have an early version of BigFin, you may also have BigFin1.DOC

and BigFin2.DOC, these can be "deleted". The current version uses ONE

document BigFin.DOC)

Change Screen Color - gives users better color contrast when reading the

Documents with BigFin.

Print Documents - these are "self-explanatory" on this menu.

Currency Conversion

The CURRENCY CONVERSION Menu - Provides a means to convert several "world"

currencies to U.S. The "exchange amount" is determined by the "date"

specified in the program. However, you can modify the amount as indicated.

Other "exchanges" will be added as suggested.

SHELL to DOS

SHELL to DOS (Option) - Allows user to get to DOS without exiting BigFin.

The prompt is 'set' to BF: Drive:Path, i.e. BF: C:\UTIL Typing 'exit'

will return user to BigFin Main Menu. Why 'shell' to DOS? If you want

to 'unstick' your printer, change Drive/Directory (to create files), etc.

Remember to type EXIT when you are finished since BigFin resides in memory

(approximately the size of BigFin's EXE, plus two(2) K). SHELL will NOT

work with DOS v 2.xx

BigFin and Windows*

BIGFIN & WINDOWS* - Included with the "registered" version of BigFin are

files necessary to run under Windows* 3.x. These files are BIGFIN.PIF,

BIGFIN1.ICO, and BIGFIN2.ICO. The PATH in BIGFIN.PIF is C:\UTIL\BIGFIN.EXE

(change this to the directory in which BigFin resides on your computer).

BIGFIN1.ICO and BIGFIN2.ICO are "sample" icons for BigFin. If someone more

'artsy' would like to create a better icon(s), I welcome the assistance. To

install BigFin (as a Windows application) follow the simple instructions in

your Windows* manual.

The PRINT SCREEN, and document PRINTING functions work fine while using

BigFin (a DOS application) within Windows*.

WINDOWS* 3.0 Users: It is necessary to have these files in your

WINDOWS\SYSTEM directory: EGA80WOA.FON, EGA40WOA.FON, CGA80WOA.FON, and

CGA40WOA.FON These must exist to run DOS applications, or you'll get an

error message ***** WINDOWS* 3.0 ONLY!!! Microsoft "fixed" this in v 3.1.

* Windows is a Trademark of Microsoft Corporation

End of BigFin.DOC 940104

December 9, 2017
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