Category : Databases and related files
Archive   : LOANMSTR.ZIP
Filename : LM.HLP

 
Output of file : LM.HLP contained in archive : LOANMSTR.ZIP
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ɹTitle : MPrinciple
: Interest Rate : Term (in months) : Month Loan Starts : Year Loan Starts : Monthly Prepay $ : (Starting Month# : Ending: ) Comments : "q . ! m $How many Payments have you already made ? vWhat is the Estimated Value of the Loan Property ? Û . ! ׍How many payments are required before the final Balloon Payment is due ? ZWhat is the final Balloon Payment amount ? Z(note: if you do not know the final Balloon Payment Due, enter 0.00 to calculate) 8 . ! 4 $How many Payments have you already made ? :@ˆ , }/&d (Enter all known values, zero to find) /Principle
: Interest Rate : Term (in months) : Payment : 
!Ç "Loan 1 : :Loan 2 : [@}DB’ë%O­1p
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 You have choosen the EDIT Option ¥ÚÄ0 ³ EDIT Amortization Reports Options Exit ÀÄÚÄ¿Ä ± ³ Edit Current Record ³± ± ³ Clear Data Base ³± ± ³ Find Missing Variable ³± ± ÀÄÙ± ± ± ±1 ”Three Sub-Options are available: pEDIT CURRENT RECORD --> This option allows you to ,define your own loan profile (which may then be used .throughout the program. UCLEAR DATA BASE --> This option resets the loan *loan profile to a pre-defined 'profile to serve as an .example, and deletes any ,previous data. ^FIND MISSING VARIABLE --> This option will assist the )user in finding a single ,missing variable (Principle, (Interest, Term, or Payment). N @» DB»^Or/ ;/
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¿/ }/ r/‚/ ½ IYou have choosen the EDIT CURRENT RECORD Option œThis option allows you to specify the characterics of a loan in which you wish to analyze. There are three fields of data which are required: PRINCIPLE --> The amount that is being borrowed INTEREST RATE --> The interest rate being charged %example: 11.5 TERM (in months) --> The actual number of months for %which this loan is being secured Additional fields of data which are requested, and used
for various displays are: ,TITLE --> The Primary Loan Title MONTH LOAN STARTS --> The month number that the loan &is schedule to start 0example: 05 = MAY YEAR LOAN STARTS --> The year number that the loan 'is scheduled to start /example: 1990 PREPAYMENT AMOUNT --> The monthly amount to additionaly #apply each month on the loan.
PREPAYMENT START --> The starting month number that the "PREPAYMENT AMOUNT will start to %be applied PREPAYMENT END --> The ending month number that the $PREPAYMENT AMOUNT will last be &applied #COMMENTS
--> A short description of the loan OThe Data Entry Screen will prompt you for the information.
You may at any time evoke the calculator by press the F2 Key, upon which the calculator will appear allow the primary math functions (+-*/). When completed with the calculator, pressing the Esc Key will return control back to the Data Entry Screen. 7The Data Entry Screen will look like: 'Title : LOAN 1 vPrinciple
: 85000.00 %Interest Rate : 11.000 )Term (in months) : 360 ,Month Loan Starts : 1 -Year Loan Starts : 1990 +Monthly Prepay $ : .
 (Start . End ... $Comments : Sample Loan Comments ]ÄÄF2-Calculator, F3-Previous, F4-Next, F5-Add, F10-ContinueÄÄ -C FSeveral options are allowed from the data entry screen: TF2-Calculator --> a pop-up calculator will be display to assist the user in any calculations OF3-Previous --> Go Back one Data Record in the DataBase KF4-Next --> Go Forward one Data Record in the DataBase HF5-Add --> Add current Record to DataBase TF10-Continue --> Accept Current Record as ACTIVE RECORD for selections a@rD faOÑ LYou have choosen the CLEAR DATA BASE Option jThis option will delete the existing Records in the DataBase and reset the DataBase back to a single Sample Record. ROnly use this option if you do not wish to retain the Data
Records that you may have already created !! \As a SafeGuard, you will be prompted prior to Clearing the DataBase. w@+DBÕV^O²'
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7W dW l IYou have choosen the FIND MISSING VARIABLE Option šThis option helps you find one primary missing variable
(Principle, Interest, Term, or Payment) when the other three variables are known. nAn example of this would be as follows: a(How much of a Loan can we afford --> $if the Interest Rate is 10.5 and #the Term will be 30 years and #the Payment we can afford is $1150. ¤(Enter all known values, zero to find) _Principle
: 0 .Interest Rate : 10.500 )Term (in months) : 360 ,Payment : 1150 lF2 for CalculatorÄF10 to Continue Note that a pop-up calculator option will appear if the user pressed the F2-KEY. By pressing the F10-KEY, LOAN MANAGER will determine the estimated value for the missing variable... (Enter all known values, zero to find) _Principle
: 125719.40 <-- Calculated Value Interest Rate : 10.499 )Term (in months) : 360 ,Payment : 1150.00 ìLOAN MANAGER will calculate the missing variable and properly denote the estimated value ! In this case, LOAN MANAGER has determined that the Principle calculated is $125,719.40. Note also that the Interest Rate was re-adjusted to 10.499; this will happen at times, due to rounding. Please remember that all calculations provided are in fact estimates. h å@‡DB”ó!O b6p 
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 You have choosen the AMORTIZATION Option ZÚÄ5 ³ EDIT Amortization Reports Options Exit ÀÄÚÄ¿Ä ± ³ Calculate Payment ³± ± ³ Balloon Payment ³± ± ³ Remaining Balance ³± ± ÀÄÙ± ± ± ±6 ÛThree Sub-Options are available: 'CALCULATE PAYMENT --> This option will calculate *and display the estimated +Monthly Payment required for (the Current Loan Profile. ˜BALLOON PAYMENT --> This option will provide an )analysis of cost incurred in (a Balloon Amortization. ÞREMAINING BALANCE --> This option will display the (Remaining Balance of a loan, (after the user specifies the (number of payments already *incurred. < End of HELP> s@øDBä!Ol<<6<Ô<<<< <<
 You have choosen the MONTHLY PAYMENT Option ™The first screen that will appear will be the CURRENT RECORD Information: |ÚÄCalculate Monthly PaymentÄ¿ ³ :³ ³ 1-Title
: TEST LOAN TITLE
³ ³ :³ ³ 2-Principle : 1000 ³ ³ 3-Interest Rate : 9.5 ³ ³ 4-Term (in months) : 36 ³ ³ 5-Month Loan Starts : 1 ³ ³ 6-Year Loan Starts : 1990 ³ ³ 7-Monthly Prepay $ : 25 ³ ³ 8-Comments
: Sample Loan Comments ³ ÀÄ:Ù MThe next screen will display your estimated Monthly Payment: KÚÄ:¿ ³ :³ ³ :³ ³ The Monthly Payment is ³ ³ $320.33 ³ ³ :³ ÀÄPress ANY KEY to ContinueÄÙ 
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### ######&cDI8 %  %  %  %  % KDu You have choosen the BALLOON PAYMENT Option ŸThe first screen that will appear will be the CURRENT RECORD Information: |ÚÄCalculate Monthly PaymentÄ¿ ³ :³ ³ 1-Title
: TEST LOAN TITLE ³ ³ :³ ³ 2-Principle : 1000 ³ ³ 3-Interest Rate : 9.5 ³ ³ 4-Term (in months) : 36 ³ ³ 5-Month Loan Starts : 1 ³ ³ 6-Year Loan Starts : 1990 ³ ³ 7-Monthly Prepay $ : 25 ³ ³ 8-Comments
: Sample Loan Comments ³ ÀÄ:Ù ‘The next screen will prompt you for required information: YÚÄRequired InformationÄ¿ ³ $³ ³ How many payments are required ³ ³ before the final Balloon Payment ³ ³ is due ?
12
³ ³ $³ ³ $³ ³ What is the final Balloon Payment ³ ³ amount ? 0 ³ ³ $³ ³ $³ ³ (note: if you do not know the ³ ³ final Balloon Payment Due, ³ ³ enter 0.00 to calculate) ³ ³ $³ ÀÄF4 for CalculatorÄÄF10 to ContinueÄÙ àThe next screen is the Analysis of a BALLOON Schedule: MÄAnalysis:Ä QAt the term of this BALLOON, you will have: Invested in Principle : $302.33 !Invested in Pre-Payment: $0.00 !Invested in Interest : $82.06 !Made a Final Payment of: $697.66 !* Total Investment * : $1082.06 SÄ*Press ANY KEY to ContinueÄ u@åDB‡^ O¯9 
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You have choosen the REMAINING BALANCE Option —The first screen that will appear will be the CURRENT RECORD Information: |ÕÍ:¸ ³ :³ ³ 1-Title
: TEST LOAN TITLE ³ ³ :³ ³ 2-Principle : 1000 ³ ³ 3-Interest Rate : 9.5 ³ ³ 4-Term (in months) : 36 ³ ³ 5-Month Loan Starts : 1 ³ ³ 6-Year Loan Starts : 1990 ³ ³ 7-Monthly Prepay $ : 25 ³ ³ 8-Comments
: Sample Loan Comments ³ ÀÄ:Ù ‘The next screen will prompt you for required information: YÚÄRequired InformationÄ¿ ³ $³ ³ $³ ³ How many Payments have you ³ ³ already made ? ³ ³ $³ ³ 12 ³ ³ $³ ÀÄF4 for CalculatorÄÄF10 to ContinueÄÙ ¬The next screen is the Analysis of the REMAINING BALANCE: JÄAnalysis:Ä P( 12 Payments of $32.03) &Your investment in Principle : $302.33 Your investment in Pre-Paymnt:
$0.00 Your investment in Interest : $82.06 The remaining balance due is: $697.67 OÄ+Press ANY KEY to Continue D< End of HELP > v@cDB¾¥ Oò3
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&p((((((j/Í/ /þ/Ç/‡ You have choosen the REPORTS Option ëÚÄ2 ³ EDIT Amortization Reports Options Exit ÀÄÚÄ¿ÄÄ ± ³ Yearly Schedule ³±± ± ³ Cost of Loan
³±± ± ³ Equity vs. Balance ³±± ± ³ Mortgage Comparisions ³±± ± ³ PrePayment Analysis ³±± ± ÀÄÙ±± ± ±±± ±3 —Five Sub-Options are available: mYEARLY SCHEDULE --> This option will display a *Yearly Amortization Schedule (based upon the Current Loan )Profile. The output may be *directed to the screen or the 'printer. eCOST OF LOAN
--> This option will display the (Estimated Cost of this Loan )over its complete term. VEQUITY vs. BALANCE --> This option will determine *your Equity position as of a (given point within the loan. QMORTGAGE COMPARISIONS --> This option will start with )the Current Loan Profile data 'and show effects in Monthly )Payment by varying both the )Principle Amount and Interest 'Rate. hPrePayment Analysis --> This option will apply the *prepayment amount identified (in the Current Loan Profile )data and produce a summary of 'the savings realized. ‘< END of HELP > º@ü DBò
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 eC                        Y<<<<<( ( ( ( (( << You have choosen the YEARLY SCHEDULE Option œThe First Prompt that will appear, is to determine where the amortization report is to be routed. There are two
options; either SCREEN or PRINTER. Simply type in the option that you desire (note: you may type only the first character of your option to be valid.) z±±ÚScreen or Printer Output¿ (± ³Screen ³± '± ÀÄÙ± '± ±± '± [The report will be directed to the proper output device
(screen or printer). If you are routing to the printer, please make sure the printer is already on and adjusted to the
top-of-form. The complete report will printed to the printer, however if screen output is choosen, the user will have the ability to view the amortization schedule year-by-year. QIf any Pre-Payments were applied to the loan, a final Analysis is shown, which reviews the estimated savings realized by pre-paying. IThe example below shows a typical Screen output: œPrinciple: 1000 Rate: 9.5 Term: 36 Comments: Sample Loan Comments (-< Interest Principle PrePymnt Payment Balance Jan 7.92 24.12 0.00 32.03 975.88 Feb 7.73 24.31 0.00 32.03 951.58 Mar 7.53 24.50 0.00 32.03 927.08 Apr 7.34 24.69 0.00 32.03 902.38 May 7.14 24.89 0.00 32.03 877.49 Jun 6.95 25.09 0.00 32.03 852.41 Jul 6.75 25.28 0.00 32.03 827.12 Aug 6.55 25.48 0.00 32.03 801.64 Sep 6.35 25.69 0.00 32.03 775.95 Oct 6.14 25.89 0.00 32.03 750.06 Nov 5.94 26.09 0.00 32.03 723.97 Dec 5.73 26.30 0.00 32.03 697.67 E(additional screens will be displayed, until the balance is $0.00) FIf any Pre-Payments were applied, the following will be displayed: JÚÄPrePayment Savings AnalysisÄ¿ ³ :³ ³ :³ ³ By Pre-Paying on this Loan : ³ ³ :³ ³ Total Interest, if not Pre-Paid: $153.19 ³ ³ Total Outlay , if not Pre-Paid: $1,153.19 ³ ³ Total Interest, if Pre-Paid: $80.42 ³ ³ Total Outlay , if Pre-Paid: $1,080.42 ³ ³ Payments Saved, if Pre-Paid: 17 ³ ³ Interest Saved, if Pre-Paid: $72.77 ³ ³ :³ ÀÄ:Ù @œD:bO A=   Z You have choosen the COST OF LOAN Option `This Feature will display the Current Loan Profile, and
then calculate and display the total Cost over the term
of a standard (non-prepaid) loan. gThe following will be displayed: ¬Total Payments - Principle = Cost $12,870.97 - $10,000.00 = $2,870.97 “ À@´DB—OH&#####
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7« You have choosen the EQUITY vs. BALANCE Option ZThis Feature will display the Current Loan Profile, and
then calculate and display the Estimated EQUITY accruded of the Loan, based on the current balance. ^The following required information will be requested: ¢ÚÄRequired InformationÄ¿ ³ $³ ³ $³ ³ How many Payments have you ³ ³ already made ? ³ ³ $³ ³ 12 ³ ³ $³ ³ What is the Estimated Value ³ ³ of the Loan Property ? ³ ³ $³ ³ 15500 ³ ³ $³ ³ $³ ³ $³ ÀÄF2 for CalculatorÄÄF10 to ContinueÄÙ %Upon pressing the F10-key, the following analysis will be displayed: ÀÚÄAnalysis:Ä¿
³ 5³
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³ Estimated Value : $15500.00 ³
³
- Remaining Balance : $6510.33 ³
³ * EQUITY * : $8989.67 ³
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ÀÄPress ANY KEY to ContinueÄÙ «@+DBVÕO¾!$A]
 You have choosen the MORTGAGE COMPARISIONS Option ›This Feature will use the Current Loan Profile data and
create a chart that compares options of changing PRINCIPLE
and INTEREST RATES. uThe following will be displayed: Term: 36 $-A Principle: 9000 9500 10 10500 11000 MRate @8.50 284.11 299.89 315.68 331.46 347.24 8.70 284.94 300.77 316.60 332.43 348.26 8.90 285.78 301.66 317.53 333.41 349.29 9.10 286.62 302.54 318.46 334.39 350.31 9.30 287.46 303.43 319.40 335.37 351.33 9.50 288.30 304.31 320.33 336.35 352.36 9.70 289.14 305.20 321.27 337.33 353.39 9.90 289.98 306.09 322.20 338.31 354.42 10.10 290.83 306.98 323.14 339.30 355.46 10.30 291.67 307.88 324.08 340.29 356.49 10.50 292.52 308.77 325.02 341.28 357.53 Î „ @ DBìO©=
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You have choosen the OPTIONS Selection žÚÄ< ³ EDIT Amortization Reports Options Exit ÀÄÚÄ¿Ä ± ³ Help Instructions ³± ± ³ Registration ³± ± ³ General Comments ³± ± ³ Calculator
³± ± ³ Set Primary Color ³± ± ³ Set Secondary Color ³± ± ³ Activate Sound ³± ± ÀÄÙ± ± ± ±= ”Several Sub-Options are available: iHELP --> This option provides the user 'with the basic help procedures OREGISTRATION
--> This option assists the user (in the registration of this )application. aGENERAL COMMENTS --> This option displays General (Comments. dCALCULATOR --> This option evokes a General (Purpose calculator. ZSET PRIMARY COLOR --> This option allows the user )to define the color they would &like displayed for the FIRST (SCREEN following their Prime (menu selection. ^SET SECONDARY COLOR --> This option allows the user )to define the color they would &like displayed for the SECOND 'SCREEN followng their Prime )menu selection. ^ACTIVATE SOUND --> This option toggles the sound 'feature. If selected, a ,special sound will activate )for each selection until de- (activated. à< END of HELP > fR©J<ƒ&@/ OÀ_m_ã_ v//\//'b// °/³/ /
ƒ// /+¦ 7³ Press  Help Instructions ³ at any time =³ for additional :³ HELP Welcome to LOAN MANAGER, ver 2.0 ÀÄ PLOAN MANAGER's goal is to assist in determining various Loan Payment options and schedules that are available to you. \The Steps in using LOAN MASTER are very simple: e1) EDIT CURRENT RECORD (under the EDIT option) should first be filled out with the applicable information. Since this is a DataBase that may also contain multiple records, select the record that you would like to work with as the current record (pressing F10). Z2) You then have a variety of reporting options to choose: bEDIT - main option 'Edit Current Record - define the current record Clear DataBase - reset database to sample record Find Missing Variable - will help find one of the following 'variables: Principle, Interest, +Term, or Payment jAMORTIZATION - main option 'Calculate Payment - determine the estimated payment Balloon Payment - will assist with your Balloon Pymt Remaining Balance - How much do you owe after making *a number of payments ? dREPORTS - main option 'Yearly Schedule - will print or display either a ,standard or a pre-payment schedule. Cost of Loan
- shows the interest cost of loan. Equity vs. Balance - will determine your estimated equity &after making a number of payments. Mortgage Comparisions - provides a cross view of various *payments based on Principle and +Term. K3) Several other Options exist under the OPTIONS item: eOPTIONS - main option 'Help Instructions - this help screen "Registration
- provides registration assistance General Comments - general comments to assist user Calculator - general purpose calculator Set Primary Color - allows user to adjust color of ,primary display screens Set Secondary Color - allows user to adjust color of ,supporting display screens Activate Sound - user can toggle sound on/off V4) You may press the key at ANY time for help !!! ¦RYJ<©°mO °_ |__C_ %_ ¢/±_ 6_ ª/¹_ ¢_ )_ 5_ £/##_=_W4_W4_4_™ XYou have choosen the REGISTRATION Option ¨LOAN MANAGER is brought to you as shareware and is not a public
domain program. Individuals are granted a free license to use LOAN MANAGER for up to 7 days for evaluation purposes. To continue using LOAN MANAGER after that time, you must register LOAN MANAGER in
one of the following manners: x1) FOR INDIVIDUALS: TO USE WHAT YOU HAVE: #For $15, as an individual, you register the copy that you currently have. You are then granted a license to use LOAN MANAGER on any
computer as long as only one copy of LOAN MANAGER is ever in use
at any one time. 2) FOR ANYONE: A DISK WITH THE LATEST VERSION, A HARD COPY OF THE DOCUMENTATION and FREE TECHNICAL ASSISTANCE: For $25, you will receive the latest version of LOAN MANAGER (or the next available version if you have the latest) and a hard copy of the documentation. You will also be notified of updates to LOAN MANAGER. You are also granted a license to use LOAN MANAGER on any computer as long as only one copy of LOAN MANAGER is ever in use at any one time. }3) FOR ORGANIZATIONS AND BUSINESSES *Site licenses and multi-copy licenses are available at very low costs. A site license covers all computers that are owned by your company and as a FREE bonus, the computers of all your current employees. Please contact SOFT SOLUTIONS for more information on site licenses. Include the number of company owned computers that the license will apply. y-H LALL registrations and inquires should be sent to: }SOFT SOLUTIONS <Suite 310 A125 Warfieldsburg Road 4Westminster, MD 21157 ®Please include: LYour Name FAddress CCity, State, Zip :Phone EVersion Number that you currently have $Registration Payment and type -Comments and Suggestions ýYou will also be given the option to print a Registration Form to the Printer. Ï tRåJ ._
W._W._ø VYou have choosen the GENERAL COMMENTS Option ¥LOAN MANAGER was designed to help in the analysis and understanding of various Loan Options that are available, and to show potential savings that may be realized by monthly pre-payments. This is the initial version, and as such, leaves room for improvement. We hope that you find value with this program, and hope that you will forward us your comments and suggestions, so that we may better improve the next version of LOAN MANAGER ! ÄLOAN MANAGER may be freely distributed provided that no files are modified in any manner. The manner of distribution of this package does not relieve the final recepient of the package from the obligation to register this product with SOFT SOLUTIONS. Also, the recepient of the package MUST be made aware of the fact that this is not a public domain program but a SHAREWARE application, and are therefore required to register LOAN MANAGER to be able to continue to use it. ]Registration information may be found from within the REGISTRATION OPTION under the OPTIONS selection. qWe Thank You for using this product and again, hope that it will assist you in your analysis. We look forward to hearing from you ! ÃSincerly, ÚRobert G. Forbes :SOFT SOLUTIONS <Suite 310 A125 Warfieldsburg Road 4Westminster, Maryland 21157 É-G MThis product was created in part with ProWindows *PLUS* - The
Professional Software Development System. For more information on the ProWindows family of products, write to: mDaniel P. Stasinski 7Systems Management Consultant -30 North Street ;Willits, CA 95490 @DBq’'Oi-
p-b%% %ù///…///o  You have choosen the EXIT Option aÚÄ, ³ EDIT Amortization Reports Options Exit ÀÄ, ±- ±ÚÄ¿± ±³ Do you Really wish to EXIT? ³± ±³ Yes No ³± ±ÀÄÙ± ±- ±- žA dialog box will appear and prompt the user to determine if Exiting to DOS is Really desired. WYES --> Exit to DOS tNO --> Return to Menu Selection Q

  3 Responses to “Category : Databases and related files
Archive   : LOANMSTR.ZIP
Filename : LM.HLP

  1. Very nice! Thank you for this wonderful archive. I wonder why I found it only now. Long live the BBS file archives!

  2. This is so awesome! 😀 I’d be cool if you could download an entire archive of this at once, though.

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