MORTPLAN


Version 3.0

October 1988



















(c) COPYRIGHT 1988 - All Rights Reserved


MUSTANG SOFTWARE
3125 19th Street, Suite 162
Bakersfield, CA 93301-3118
(805) 395-0223


MORTPLAN Version 3.0


MORTPLAN is distributed under the Shareware concept which means
that you may try the program to see if it meets your needs, and
then make payment if you continue to find it useful. You may make
as may copies as you wish, give the program to anyone you wish, but
you may not sell it. If you find the program useful and you
continue to use it, you must make payment of $50.00 to Mustang
Software. Site licenses and a network version are available if

needed, call for details. Registrations help to recover some of
the cost of development and to finance further enhancements of this
program. As a registered user you are eligible for automatic
notification of program updates and enhancements.




REQUIREMENTS



IBM or compatible computer
256K of memory
1 diskette drive of any kind
Monochrome or color display
Printer if hard copy desired

Warranty & Copyright


Limited Warranty

This product is provided "as is" without warranty of any kind. The
entire risk as to the results and performance of the program is
assumed by you. Should the program prove defective, you (and not
Mustang Software or it's dealers) assume the entire cost of all
necessary servicing, repair or correction. Further, Mustang
Software does not warrant, guarantee, or make any representations
regarding the use of, or the results of the use of the program in
terms of correctness, accuracy, reliability, currentness, or
otherwise; and you rely on the program and results solely at your
own risk. Mustang Software cannot accept responsibility for system
damage, loss of profit, or any other special, incidental, or
consequential damages resulting from the use or inability to use
this product.

Mustang Software DOES warrant to the original licensee of a
registered product that the program disk(s) on which the program is
recorded be free from defects in materials and workmanship under
normal use and service for a period of ninety (90) days from the
date of delivery as evidenced by a copy of your receipt. Mustang
Software's entire liability and your exclusive remedy shall be
replacement of the disk not meeting Mustang Software's Limited
Warranty.


Copyright

MORTPLAN is copyrighted by Mustang Software. All rights reserved.
Regardless of the method of marketing used, MORTPLAN is NOT in
the "Public Domain". It is copyrighted by Mustang Software.
However, we grant you the right, in fact ENCOURAGE you to make and
distribute as many copies as you wish, using any acceptable
medium of exchange, with the following restrictions:

- LIMITATIONS -

1. DO NOT distribute the Program without this
documentation;
2. DO NOT accept remuneration for the program;
3. DO NOT alter the program in any manner.

Copying, duplicating, selling or otherwise distributing this
product except as indicated above is a violation of the law. This
manual is also copyrighted and all rights are reserved. SHAREWARE MARKETING

What is shareware?

Shareware is a marketing concept in which copyrighted software
products are distributed by allowing duplication of the program for
evaluation by interested parties. The program developer receives
payment from the users after they have determined that the product
meets their needs. The motivations for making payment for a
shareware program are honest payment for a valuable software tool,
desire for support, updates, enhancements and documentation, and
finally to help encourage shareware authors to produce additional
quality programs.


What happens when I register?

Mustang Software believes that a registration of one of our
shareware products is a commitment of support from an end user.
Every registration of every Mustang Software product is followed by
an immediate acknowledgment and shipment of the latest version of
the program and documentation. Orders are shipped UPS 2nd day air
on the same day payment is received. Registration has additional
advantages as well. Mortplan includes printed, expanded
documentation, a personal registration number for serializing your
copy with your company name, and updates at low or no cost.
Registered users are placed on our mailing list and receive
automatic notifications of all updates and future product releases.


Will my registration matter?

YES! Mustang Software employs Programming, Technical Support and
Administrative Staff on a FULL TIME basis. Your registration
ensures that we can continue to grow, improve our product, and be
here when you call for support. Without registrations we could not
remain in business to SERVE YOU! If MORTPLAN meets your needs as a
loan analysis program, we encourage you to support the shareware
concept by sending in your registration. See the Registration form
at the end of this documentation for details.

OVERVIEW



MORTPLAN is a program of various amortization functions that can
be selected from a main menu. Some of these functions allow for
the use of screen output as well as printed output. Each of these
functions will be explained later in this manual.

When entering numbers in MORTPLAN you do NOT have to put in the
decimal point when entering a whole number. You are allowed to
insert commas during data entry in an amount for clarity, but they
are automatically supplied by the program if omitted.

Context sensitive help is available at many prompts, press F1 to
activate the help screen.

The following is a list of the maximum allowable input amounts for
the fields on ALL of the screens you will see:

Original loan amount ............ 99,999,999.99
Interest rate ................... 99.999
Number of years ................. 50
Month of first payment .......... 12
Year of first payment ........... 99
Principal & interest payments ... 99,999,999.99
Additional payments ............. 99,999,999.99
Report title .................... 30 characters
Filename ........................ 24 characters
Loan increment amount ........... .01 - 1,000,000.00
Rate increment amount ........... .001 - 10.000
Number of payments/yr (choices).. 1,2,3,4,6,12,24,26,52
Number of payments .............. 480
Year decrement amount ........... 10

To start MORTPLAN simply copy the entire contents of the program
disk to another diskette or your hard disk and type MORTPLAN at the
DOS prompt. If you have problems reading the display on a
monochrome screen you may use the command MORTPLAN /M to force
single color display.

MORTPLAN is menu driven for ease of use. To select one of the
functions from the menu, enter the letter of the desired function.
It is NOT required that you press the enter key as the program will
automatically take you to your selection. If you accidently hit
the wrong key, don't worry, pressing the ESC key will always return
you to the main menu. The next page contains a representation of
the main menu.

The MORTPLAN Main Menu Screen




SEP 15, 1988 MORTPLAN 3.00 3:56 pm


[ REGISTRATION NAME ]

T ypical Mortgage Schedule
A dditional Payment Schedule

M ortgage Part Analysis
C alculate Loan Payoff
R ates vs Amounts Comparisons
Y ears vs Rates Comparisons

S et Printer Control Characters

E xit the program



ENTER THE LETTER OF THE DESIRED FUNCTION





The Main Menu choices will be reviewed item by item in the order
they appear on the menu.

You select the desired menu option by pressing the highlighted
letter of the menu option of your choice.
TYPICAL MORTGAGE SCHEDULE

The most common function of MORTPLAN may be the TYPICAL MORTGAGE
SCHEDULE. Pressing T brings up the following screen:




SEP 15, 1988 MORTPLAN 3.00 11:03 am


R E Q U I R E D I N F O R M A T I O N
Original loan amount ............ [$ 100,000.00]

Interest rate .......................... [12.000%]

Length of loan .......... Years [30] Months [ 0]

Number of payments per year ................. [12]

First payment ................ MM/DD/YY [ 2/ 5/88]

O P T I O N A L I N F O R M A T I O N
Principal & Interest payment .... [$ 0.00]

Additional payments ............. [$ 20.00]

ALL Return
F10 Items Esc to the
Entered Menu



Enter the information required for Loan Amount, Interest Rate,
Length of Loan, Number of Payments and the date of the first
payment. This is an appropriate time to remind you that the F1
key will give you HELP at any time, and that the F5 key can be
used to clear the field if you make a data entry mistake. Of
course you can also use the backspace key or delete keys to
remove any single character, but F5 is very handy when you want
to clear the entire field.

The additional optional information is not required if you want
MORTPLAN to calculate the required Principal and Interest payment
for you. Entering an optional Principal & Interest payment will
cause MORTPLAN to use that P & I payment amount for amortization
calculations, and to adjust the term of the loan if needed.
Entering Additional payments calculates the loan based on that
additional payment being made EACH month, in addition to the
regular P&I. Other MORTPLAN options allow a schedule of
additional payments to be made throughout the loan. After
entering the necessary information, the following screen is
displayed:

AMORTIZATION SUMMARY





SEP 15, 1988 MORTPLAN 3.00 11:03 am


AMORTIZATION SUMMARY

Original loan amount 100,000.00

Interest rate 12.000%

P and I payment 1,028.61

Total Interest 223,678.68

Number of payments 309

First payment Fri FEB 5, 1988

Last payment Sat OCT 5, 2013 LAST PAYMENT
ADJUSTED!!

P rint amortization detail M odify existing information
D isplay amortization detail R eturn to Main Menu ... Esc


As you can see, the P & I Payment was calculated and the last
payment was adjusted due to the $20.00 additional payment made
each month. Rather than taking 360 payments (30 years), the loan
was paid in just 309 payments. At this point you have the option
of Printing or Displaying the amortization detail, modifying the
entered information if it was incorrect, or returning to the main
menu. Once you have entered the information correctly and are
satisfied, the amortization detail screen looks like the
following:



AMORTIZATION DETAIL




SEP 15, 1988 MORTPLAN 3.00 11:03 am


Original Loan: $ 100,000.00 Principal and Interest: $ 1,028.61
PYMNT INTEREST PRINCIPAL EXTRA PYMNT BALANCE
1 1,000.00 28.61 20.00 99,951.39
2 999.51 29.10 20.00 99,902.29
3 999.02 29.59 20.00 99,852.70
4 998.53 30.08 20.00 99,802.62
5 998.03 30.58 20.00 99,752.04
6 997.52 31.09 20.00 99,700.95
7 997.01 31.60 20.00 99,649.35
8 996.49 32.12 20.00 99,597.23
9 995.97 32.64 20.00 99,544.59
10 995.45 33.16 20.00 99,491.43
11 994.91 33.70 20.00 99,437.73
12 994.38 34.23 20.00 99,383.50

FEB 5, 1988 thru JAN 5, 1989

Home FIRST End LAST PgDn NEXT PgUp PREV F10 Pick Esc Exit
12 12 12 12 Year



The above schedule shows the regular monthly payment of $1028.61
and then the additional $20.00 which was specified as an
additional extra payment toward principal each month in our
example. This has an affect on the amount subject to finance
charges each month, and shortens the term. You may use the HOME
& END keys to move from the first 12 payments to the last 12
payments in the schedule, or the PgUp/PgDn keys to page 12
payments at a time. Keep in mind that the screen displays
PAYMENT NUMBERS, not years. Payment number 3 in the above
example is Apr. 5, 1988 since the loan originated in February.
You can easily view any "year" of a loan by using the F10 key,
which asks for the year desired. The screen will then display
the proper 12 payments which represent that calendar year in the
life of the loan. In the example above, year 1 is 2-88 to 12-88,
year 3 is 1-90 to 12-90, year 4 is 1-91 to 12-91. Pressing PgDn
after using F10 to select year display will show detail based on
calendar year boundaries until changed.
ADDITIONAL PAYMENT SCHEDULE


Next we will explore the ADDITIONAL PAYMENT SCHEDULE choice on
the main menu. This selection is used if you want to make
sporadic additional payments toward principal rather than an
equal extra payment each month. You are prompted for the name of
a file which contains the previously saved schedule of additional
payments for your loan. These files can only be created or
altered from within MORTPLAN. To create a new file, enter the
filename of your choice and follow the data entry screens. The
loan data cannot be edited once saved, but the associated
additional payments data can be altered at will. An example loan
file named SAMPLE is included with your MORTPLAN distribution
program. To see the SAMPLE schedule, enter the word SAMPLE when
prompted for the filename.



JUL 1, 1988 MORTPLAN 3.00 5:46 pm


Additional Payment Schedule

Pymnt # Date Amounts
8 OCT 9, 1988 $ Dbl Principal
9 NOV 9, 1988 $ 0.00
10 DEC 9, 1988 $ Dbl Principal
11 JAN 9, 1989 $ Dbl Principal
12 FEB 9, 1989 $ Dbl Principal
13 MAR 9, 1989 $ 0.00
14 APR 9, 1989 $ 0.00
15 MAY 9, 1989 $ 0.00
16 JUN 9, 1989 $ 66.00
17 JUL 9, 1989 $ 0.00
18 AUG 9, 1989 $ 45.00
19 SEP 9, 1989 $ 0.00

Move Move Start Exit
Ctrl+PgUporPgDn Full PgUporPgDn one F10 New Esc to
Year Page Calc Menu


The entry screen for additional payments during the life of the
loan is shown above. You may easily enter a double principal
payment by placing an asterisk (*) in the Amount field. Keep in
mind that double principal results in an ever increasing amount of
additional payment. Each month the portion of the loan payment
that goes toward principle increases, and so does the double
payment amount. Toward the end of the loan this value comprises
the higher percentage of the P&I amount. You may enter any amounts
desired for any payment. If you want to make a standard additional
monthly principal payment for every payment, that amount would more
easily be entered on the TYPICAL mortgage schedule in the optional
bottom section rather than here.

When your additional payments have all been entered, press F10 to
begin the calculation.


MORTGAGE PART ANALYSIS


This option allows you to calculate any of the four loan
information items given the other three values. Select the unknown
value, Original loan amount, Interest rate, Length of Loan or
Principal & Interest payment and MORTPLAN will calculate the
remaining value.

After selecting the value to be calculated, a data entry screen for
entering the known vales appears. Enter the requested items,
remembering that F1 key will give you HELP at any time, and that
the F5 key can be used to clear the field if you make a data entry
mistake. Press F10 to begin calculating the unknown value. The
screen will be updated with the requested information after a brief
calculation.

The entry screen with final re-calculation completed appears as
follows:




SEP 15, 1988 MORTPLAN 3.00 4:00 pm


MORTGAGE PART ANALYSIS

Original loan amount .......... [$ 100,000.00]

Interest rate ........................ [12.000%]

Length of loan ......... Years [30] Months [ 0]

Principal & Interest payment .. [$ 1,028.61]

Number of payments per year ............... [12]

Total Interest .............. [$ 270,299.60]

Number of payments ..................... [ 360]


Press ANY key to start over ... Esc to exit.



CALCULATE LOAN PAYOFF


This option will calculate the principal balance given the number
of payments previously made and the basic background loan
information. The length of the loan is not required since the
calculation assumes pre-payment. In addition to displaying the
principal balance the total amount of interest paid to date is also
calculated.




SEP 15, 1988 MORTPLAN 3.00 10:04 am


CALCULATE LOAN PAYOFF

Original loan amount .......... [$ 100,000.00]

Interest rate ........................ [12.000%]

Number of payments per year ............... [12]

Number of payments already made ........ [ 180]

P & I payment ................. [$ 1,028.61]

Payoff amount ............... [$ 85,707.01]

Total Interest .............. [$ 170,856.81]


Press ANY key to continue ..... Esc to exit.





RATES VS AMOUNTS COMPARISONS


This comparison feature is used to compare the payments (P & I) on
a static term (perhaps 30 years) as the loan amount and interest
rate vary. It might be used in a situation where you know that you
will be interested in a standard 30 year loan, but need to know
just how much you can borrow depending on the interest rate. You
begin the comparison by entering the loan information on the
following screen:




SEP 15, 1988 MORTPLAN 3.00 10:05 am


MORTGAGE COMPARISON

Original loan amount .......... [$ 70,000.00]

Interest rate ........................ [ 8.000%]

Length of loan ......... Years [30] Months [ 0]

Number of payments per year ............... [12]

Loan increment amount .......... [$ 10,000.00]

Rate increment amount ................ [ 0.500%]

To the Printer or Screen ................... [S]

ALL Return
F10 Items Esc to the
Entered Menu


The sample data above indicates that your loan will be a standard
30 year term and the comparison will begin with a low loan value of
$70,000 and low interest rate of 8%. The loan amount will increase
by $10,000 for each increment (six are displayed in the comparison,
so this sample yields $70,000 - $120,000). The rate will increase
by .5% for each increment (thirteen are displayed in the
comparison, so this sample yields 8% - 14%). The final comparison
is displayed as follows:

COMPARISON DETAIL



SEP 23, 1988 MORTPLAN 3.00 9:51 am


MORTGAGE COMPARISON

30 Years
RATES 70,000.00 80,000.00 90,000.00 100,000.00 110,000.00 120,000.00
8.000 513.64 587.01 660.39 733.76 807.14 880.52
8.500 538.24 615.13 692.02 768.91 845.80 922.70
9.000 563.24 643.70 724.16 804.62 885.08 965.55
9.500 588.60 672.68 756.77 840.85 924.94 1,009.03
10.000 614.30 702.06 789.81 877.57 965.33 1,053.09
10.500 640.32 731.79 823.27 914.74 1,006.21 1,097.69
11.000 666.63 761.86 857.09 952.32 1,047.56 1,142.79
11.500 693.20 792.23 891.26 990.29 1,089.32 1,188.35
12.000 720.03 822.89 925.75 1,028.61 1,131.47 1,234.34
12.500 747.08 853.81 960.53 1,067.26 1,173.98 1,280.71
13.000 774.34 884.96 995.58 1,106.20 1,216.82 1,327.44
13.500 801.79 916.33 1,030.87 1,145.41 1,259.95 1,374.49
14.000 829.41 947.90 1,066.38 1,184.87 1,303.36 1,421.85

Press ANY key to continue.



If the available monthly payment is between $825 - $850 you can
easily find the combinations of rates and loan amounts that fit the
budget. If interest rates are more stable perhaps an increment of
.1 or .2 may display results that span the actual market trends
better.

After viewing the display, you press any key to return to the
comparison data entry screen. You may make changes to the
information and re-display revised comparisons with the F10 key.

As indicated in the date entry screen, you may send this report to
the printer by placing a P in the Printer/Screen selection field.
YEARS VS RATES COMPARISONS


This feature operates much like the Rates vs Amounts comparison.
The differences is that in this comparison the Loan amount is kept
constant while the interest rate and length of loan are altered.
This comparison might be used if you have determined the loan
amount, perhaps after a home has been selected, and need to
determine the monthly payment required at various rates and terms.
The data entry screen is as follows:




SEP 23, 1988 MORTPLAN 3.00 9:55 am


YEAR COMPARISON

Original loan amount .......... [$ 100,000.00]

Interest rate ........................ [ 8.000%]

Length of loan ......... Years [30] Months [ 0]

Number of payments per year ............... [12]

Rate increment amount ................ [ 0.500%]

Decrement length ....... Years [ 2] Months [ 6]

To the Printer or Screen ................... [S]

ALL Return
F10 Items Esc to the
Entered Menu


The above data indicates that your Original loan amount will be
stable at $100,000. Your low value for the interest rate will be
8% and will increase by .5% for each comparison. The high value
for the length of the loan will be 30 years and will decrease by
2.5 years for each comparison.

Again, you may want to restrain the rate starting point and
increment to reflect a smaller range which more accurately reflects
market trends.
YEARS VS RATES DETAIL




SEP 23, 1988 MORTPLAN 3.00 9:55 am


MULTI-YEAR COMPARISON
100,000.00
RATES 30 Yrs 27Y 6M 25 Yrs 22Y 6M 20 Yrs 17Y 6M 15 Yrs
8.000 733.76 750.43 771.82 799.64 836.44 886.22 955.65
8.500 768.91 784.74 805.23 832.07 867.82 916.49 984.74
9.000 804.62 819.62 839.20 865.05 899.73 947.24 1,014.27
9.500 840.85 855.03 873.70 898.55 932.13 978.47 1,044.22
10.000 877.57 890.94 908.70 932.54 965.02 1,010.15 1,074.61
10.500 914.74 927.32 944.18 967.02 998.38 1,042.28 1,105.40
11.000 952.32 964.13 980.11 1,001.95 1,032.19 1,074.84 1,136.60
11.500 990.29 1,001.35 1,016.47 1,037.31 1,066.43 1,107.82 1,168.19
12.000 1,028.61 1,038.95 1,053.22 1,073.09 1,101.09 1,141.21 1,200.17
12.500 1,067.26 1,076.90 1,090.35 1,109.26 1,136.14 1,175.00 1,232.52
13.000 1,106.20 1,115.18 1,127.84 1,145.80 1,171.58 1,209.16 1,265.24
13.500 1,145.41 1,153.76 1,165.64 1,182.69 1,207.37 1,243.69 1,298.32
14.000 1,184.87 1,192.62 1,203.76 1,219.90 1,243.52 1,278.58 1,331.74
14.500 1,224.56 1,231.73 1,242.16 1,257.43 1,280.00 1,313.80 1,365.50

Press ANY key to continue.



After viewing the results of your comparison, you may return to the
data entry screen and make adjustments as desired.

This report may also be sent to the printer by placing a P in the
Printer/Screen selection field.
SET PRINTER CONTROL


This menu selection is used to tell MORTPLAN what printer control
codes should be sent to your printer to tell it how to print the
"special report" format. The special report makes use of the
abilities of many narrow carriage printers to print 132 characters
across a 8.5 inch page. In creating this format MORTPLAN makes use
of DOUBLE WIDE EMPHASIZED characters for the report headings and
CONDENSED characters for the body of the report. SET PRINTER
CONTROL presents you with two screens in which to enter your
printer's codes to turn these two functions on and off.

In the example below, the first line of decimal ASCII codes are
sent before the titles line, and the second line is sent afterward.
The numbers 14, 27 and 69 represent ASCII 14 (SO, Shift Out) which
starts Double-Wide, followed by ESC (ASCII 27), E (ASCII 69) which
turns on Emphasized. The second line is the cancel code.




SEP 15, 1988 MORTPLAN 3.00 10:08 am



SET REPORT TITLES CONTROL CHARACTERS

String for initializing report titles.
[ 14][ 27][ 69][ 0][ 0][ 0][ 0][ 0][ 0][ 0]

String for cancelling report titles.
[ 20][ 27][ 70][ 0][ 0][ 0][ 0][ 0][ 0][ 0]

Enter the printer control character combinations
that your printer requires to create and cancel
the type of character desired above. BE CAREFUL!

F10 - When finished Esc - Exit


ENTER THE LETTER OF THE DESIRED FUNCTION



The default setup is for EPSON brand printers and most compatibles,
and causes the report title to be printed in DOUBLE WIDE and
EMPHASIZED font. If you have a printer that cannot emulate an
EPSON, or if you want to enter your own printer's codes, you can
locate them in your printer manual. When you have the codes for
the report titles entered, press F10 to move on to the next screen
for entering the codes for condensed mode used in the body of the
report.

If you are unsure of exactly what this section is about, you can
simply avoid using the "special narrow" report format. Keep in
mind that using the special report format without properly setting
up for your printer will result in 132 characters printed across on
a page without condensation, which causes a problem if you have a
narrow carriage printer. See the following section on reports for
additional information. PRINTED REPORTS


Reports may be generated within MORTPLAN from several locations
including the Typical mortgage schedule, Additional payments
Schedule, Rates vs Amounts comparison and Years vs Rates
comparison. Each report is formatted with the information clearly
labeled in a manner similar to the screen output. In addition you
may add a report title line with comments of your choice. The name
of the registered owner of MORTPLAN may also be included if
desired.

Each report offers a choice of three standard formats. The first
is the Generic Narrow Report which is designed for use with
printers that only print text at 10 characters per inch (normal
pitch) on 8.5 x 11 inch paper. These printers include many
daisywheel and impact printers and some dot matrix printers with
very restricted features.

The second format is the Generic Wide Report which also prints text
at 10 characters per inch, but assumes that the printer has a wide
carriage and is loaded with paper that is 11 x 14 inches to
accommodate 132 characters per line.

The last report format is the Special Narrow Report which may be
used with any printer capable of a compressed mode that prints 132
characters on paper that is only 8.5 inches wide. This is the only
report that takes advantage of the codes in the SET PRINTER CONTROL
option of MORTPLAN. It produces a report very similar to the
Standard Wide Report, but does so on narrow paper.

You should experiment with the reports which are supported by your
printer to determine which meets your needs and liking.

TECHNICAL SUPPORT





Customer satisfaction is very important to Mustang Software and we
have tried to anticipate and respond to potential questions in this
documentation. We realize that from time to time unexpected
situations may occur and additional support is needed. Therefore,
if you find that you are unable to locate the answer to your
question after reviewing this documentation, you may get additional
support via the following methods:





CompuServe (75236,3312)

Mustang Software maintains a technical support
section for all of our products in the PC Vendors
forum (GO PCVEN), subtopic 9. Simply leave your
question in a message and call back the following
day for a response.


Mustang Software (805) 395-0223

The technical support staff at our office is
available Monday - Friday from 9am-4:30pm PST to
help answer your questions.
MORTPLAN REGISTRATION FORM


You may obtain a master copy of the latest Registered MORTPLAN
version from Mustang Software by calling (805) 395-0223.
Registration is $50 + $6 shipping and handling, and includes full
technical support, notification and discounts on updates to the
program, and a printed manual. VISA, MasterCard and American
Express are accepted. You may also use the following registration
for to mail in your payment if desired.


Name: _______________________________________________________

-----> Note - MORTPLAN will be Registered to the name listed
below. You may use a company or personal name up to
40 characters long. This information MUST be entered.

Company or Reg. name: _______________________________________

Address: ____________________________________________________

City: ___________________________ State: ___ Zip: _________

Telephone: (_____) _____-________ Current Version: _________


Please send me _______ copies of MORTPLAN!

_______ Payment is enclosed.

_______ Charge to my credit card...______ VISA

______ MasterCard

______ American Express

Card # ___________________________________ Exp Date ________

Name on card _______________________________________________

Signature _______________________________________________


Mail to: MUSTANG Software
3125 19th Street, Suite 162
Bakersfield, CA 93301-3118INDEX

/M. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Additional Payments . . . . . . . . . . . . . . . 5, 7, 10, 11, 20
Amortization Detail . . . . . . . . . . . . . . . . . . . . . 8, 9
ASCII . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Asterisk. . . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Characters per inch . . . . . . . . . . . . . . . . . . . . . . 20
Commas. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Compressed. . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Copyright . . . . . . . . . . . . . . . . . . . . . . . . . . 1, 3
Data entry. . . . . . . . . . . . . . . . . . . . 5, 10, 12, 15-17
Decimal point . . . . . . . . . . . . . . . . . . . . . . . . . .5
Display . . . . . . . . . . . . . . . . . . . . . . . .2, 5, 9, 15
Distribution. . . . . . . . . . . . . . . . . . . . . . . . . . 10
Double principal. . . . . . . . . . . . . . . . . . . . . . . . 10
Double Wide . . . . . . . . . . . . . . . . . . . . . . . . 18, 19
Emphasized. . . . . . . . . . . . . . . . . . . . . . . . . 18, 19
Entering numbers. . . . . . . . . . . . . . . . . . . . . . . . .5
Epson . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
ESC . . . . . . . . . . . . . . . . . . . . 5, 7-10, 12-14, 16, 18
Help. . . . . . . . . . . . . . . . . . . . . . . . . .2, 4, 5, 21
Input amounts . . . . . . . . . . . . . . . . . . . . . . . . . .5
Main Menu . . . . . . . . . . . . . . . . . . . . . . .5, 6, 8, 10
Maximum . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Memory. . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2
Monochrome. . . . . . . . . . . . . . . . . . . . . . . . . . 2, 5
Narrow. . . . . . . . . . . . . . . . . . . . . . . . . . . .18-20
Overview. . . . . . . . . . . . . . . . . . . . . . . . . . . . .5
Paper . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
Payment numbers . . . . . . . . . . . . . . . . . . . . . . . . .9
Payoff. . . . . . . . . . . . . . . . . . . . . . . . . . . .6, 13
Pre-payment . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Printer control . . . . . . . . . . . . . . . . . . . . .6, 18, 20
Rate increment. . . . . . . . . . . . . . . . . . . . . .5, 14, 16
Rates vs Amounts. . . . . . . . . . . . . . . . . . . . 14, 16, 20
Registration. . . . . . . . . . . . . . . . . . . . . . . 4, 6, 22
Reports . . . . . . . . . . . . . . . . . . . . . . . . . . 19, 20
Requirements. . . . . . . . . . . . . . . . . . . . . . . . . . .2
Shareware . . . . . . . . . . . . . . . . . . . . . . . . . . 2, 4
Support . . . . . . . . . . . . . . . . . . . . . . . . .4, 21, 22
Technical Support . . . . . . . . . . . . . . . . . . . . . 21, 22
Typical Mortgage Schedule . . . . . . . . . . . . . . . .7, 11, 20
Updates . . . . . . . . . . . . . . . . . . . . . . . . . 2, 4, 22
Warranty . . . . . . . . . . . . . . . . . . . . . . . . . . . .3
Wide. . . . . . . . . . . . . . . . . . . . . . . . . . 18, 19, 20
Years vs Rates. . . . . . . . . . . . . . . . . . . . . 16, 17, 20