Category : Financial and Statistics
Archive   : WINLOAN.ZIP
Filename : WINLOAN.WRI

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JerWare Loan Partner
Version 1.0
Copyright 1992 by Jerry Stavreff

ABOUT LOAN PARTNER
Loan Partner is a Windows 3.x program that provides an easy-to-use method of calculating the monthly payments and/or the total payment amount of a loan. The principle, interest rate and loan period are entered through the use of scroll bars. The amortization section of Loan Partner allows the user to display the principle and interest components for each payment of the loan. Loan information can be saved to a file for later recall, and a push-button report writer is also provided.

(If you have the demo version of Loan Partner, see DEMO VERSION below.)


SETUP
Loan Partner consists of three files:

winloan.exe - the program file
winloan.loa - saved loan file
winloan.wri - the file you are reading

These files should be copied into a suitable directory on your hard disk. A new Program Item for Loan Partner should then be set up in Program Manager, referencing the program file winloan.exe.

Loan Partner also requires that Microsoft's vbrun100.dll be present in your Windows directory. This file is supplied with your registered copy of Loan Partner and is available on many Bulletin Boards.

Mouse and keyboard input (TAB, PgUp. PgDn, arrows, etc.) are both supported.


SETTING PROGRAM VARIABLES
Horizontal scroll bars are used to set the three main program variables:

Principle - The left/right scroll arrows will decrease/increase the principle by $100. Clicking to the left/right of the scroll indicator will decrease/increase the principle by $1,000. The scroll indicator can also be dragged to any point on the scroll bar. The maximum loan amount supported by Loan Partner is $1,000,000.

Interest Rate - The left/right scroll arrows will decrease/increase the interest rate by 0.05%. Clicking to the left/right of the scroll indicator will decrease/increase the interest rate by 1%. The scroll indicator can also be dragged to any point on the scroll bar. The maximum interest rate supported by Loan Partner is 25%.

Duration Months - The left/right scroll arrows will decrease/increase the loan duration by 1 month. Clicking to the left/right of the scroll indicator will decrease/increase the loan duration by 12 months. The scroll indicator can also be dragged to any point on the scroll bar. The value of Years is automatically calculated. The maximum loan duration supported by Loan Partner is 1200 months (100 years.)


DISPLAY TYPE
Note - This option is selected to perform a lump sum payment calculation. Total Payment Amount is used to display the sum of the original principle plus all simple interest accrued. No Monthly Payments are calculated. The amortization section is disabled when this option is selected.

Payments - This option is selected to perform a payment stream calculation. Monthly Payments (containing both principle and interest) are calculated for the periods specified. The cumulative total of all Monthly Payments is displayed in the Total Payment Amount field. The amortization section is disabled when this option is selected.

Amortize - This option enables the Amortization section and freezes the Principle, Interest and Duration selection scroll bars.


AMORTIZATION
The Amortization section is used to calculate and display the Principle and Interest components of each payment in a loan. The Month scroll bar (in the Amortization section) is used to select the loan month to be displayed. The left/right scroll arrows will decrease/increase the selected month by 1 month. Clicking to the left/right of the scroll indicator will decrease/increase the selected month by 12 months. The scroll indicator can also be dragged to any point on the scroll bar. When this scroll bar is in the left-most position, the word "TOTAL" is displayed along with the original principle amount and the total interest cost for the loan.


REPORT WRITER
Select - This button causes the currently displayed Note or Payments information to be captured as a print line for a Note/Payments report. A Note/Payments report is useful for comparing various loan scenarios. An unlimited number of print lines can be included in a Note/Payments report.

Print - This button causes the current Note/Payments report to be sent to Windows Print Manager, and ultimately to the printer. Column headings are provided with each report.

Amortization - This button activates the Print Amortization window. This window contains two scroll bars which are used to select the range of months to be included in the Amortization Schedule report. After selecting the desired range of months, press the Print button to generate the report. The Amortization Schedule report is useful for tax preparation and to determine the remaining balance of a loan.


LOAN FILE
A list box and three command buttons are provided to enable loan information to be stored for later retrieval.

The list box always displays the name of the currently selected loan record. Other loan names (when present) are listed by clicking on the list box's down arrow. To select one of these records, simply click on the loan record's name. If a scroll bar appears on the right side of the list, it can be used to scroll through additional loan names. When a loan record is selected, all information in Loan Partner is immediately updated to reflect the stored values of that record.

The New command button is used to add records to the loan file. When New is pressed, a window will appear in which the name of the new loan record can be entered. After entering the new loan name press the OK button to add the record to the loan file. The initial loan record values are set to zero.

The Save command button is used to update the loan record in the loan file with the currently displayed settings.

The Delete command button is used to remove the current loan record from the loan file. When Delete is pressed a confirmation window will appear.


HELP, ABOUT, EXIT
Help uses Windows Write to display this program documentation. (Windows Write must reside in the directory \windows.)

About displays the program version number and provides information for contacting the author of Loan Partner.

Exit provides a one-button method of exiting the program.


DEMO VERSION
The demonstration version of Loan Partner can be used to evaluate the "look and feel" of the program. The interest rate, however, is restricted to a maximum of 5%. If you like Loan Partner 1.0 please order a copy by sending your name, address, and $12 to:
Jerry Stavreff
P.O. Box 17033
Arlington, VA 22216

Upon receipt of your order I will promptly mail you a registered, fully functional copy of the latest version of Loan Partner. Please specify 5.25" or 3.5" diskettes.

JerWare is quality software. Its not free, but it is cheap. I hope you enjoy the "Partner" series of consumer-oriented Windows programs. Your comments are always appreciated. JS


DISCLAIMER
Users of Loan Partner must accept this disclaimer of warranty:
"Loan Partner is supplied as is. The author disclaims all warranties, expressed or implied, including, without limitation, the warranties of merchantability and of fitness for any purpose. The author assumes no liability for damages, direct or consequential, which may result from the use of Loan Partner."
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