X LThis is a data disk, not a startup disk. gDD/   ?"INCOME.PROPERTY(ED.FUND.ANALYSP -AMORT.TABLE.1{+-AMORT.TABLE.2+.MORTGAGE.FIN.2`)+/MORTGAGE.FINANC%vF+BARREL.06S.TEMPo;"CHECK.REGISTERP@1INFLA.ADJUSTEMP %-DISABL.INCOME%/HIGH.FINANCE.19 ,&,BUS.RECEIPTSL '& +BUS.EXPENSEU'& -BALANCE.SHEETZc )1/SECURITY.ASSETSsc )FINANCE.2S' /INVEST.ACCUMULA_6.IRA.VS.TAXABLEP G-LA.VEG.GARDENMP )LOAN.CALCS.TEMP,>/RESOURSES.OBJEC<S/COMP.TAXBL.INCMCROPgory 1PL SPRPL FALL# 100'0 FTDEPTHINCH APDAY/HAR  RM1NHNHP nS6-2460-75BETTER BOY PELICAN TERRIFIC`TURNIPS 1/1 - 2/28 8/1 - 12/311/8 OZ1/8 IN2-640-50'SEVEN TOP PURPLE TOP GLOBE JUST RIGHTICICLE SCARLET GLOBE^SHALLOTS 1/1 - 2/28 7/1 - 12/31250 PLTS1 IN4-850&DELTA GIANT LA EVERGREEN SUMMERGREENRSPINACH 1/1 - 2/28 10/1 - 12/311/4 OZ1/8 IN3-635-45AMERICAN VIKING MELODY]TOMATOES PLANTS 3/1 - 5/1 7/1 - 8/15 50-66 PLTS1 - 8/104-6 OZ1/2 IN4-670-805PINKEYE PURPLE HULL CALHOUN PURPLE HULL BLACKEYE #5aPOTATOES IRISH 1/20 - 2/28 8/15 - 9/10 10-12 LBS4 IN1290-110RED LASODA NORLAND NORCHIP[RADISHES 1/15 - 3/31 9/1 - 11/11 OZ1/8 IN122-28%SPARKLER WHITE LEAF CHINESE EVERGREEN\OKRA 3/1 - 6/30 7/1 - 8/11/2 OZ1/2 IN1260,LA GREEN VELVET CLEMSON SPINELESS EMERALDhONION LEEK (SETS) 1/1 - 1/30 12/15 - 12/314501 IN2-4120-150$EVERGREEN WHITE BUNCHING GRANO 502tPEAS SOUTHERN 3/1 - 6/30 7/1 9/11/4 OZ1/4 IN12-1850-65GEMINI 7 TRIUMPH SLICEMASTEReLETTUCE 1/1 - 1/31 8/15 - 9/301/32 OZ1/8 IN4-1245-80*BUTTERCRUNCH SALAD BOWL GREAT LAKES 659qMUSTARD GREENS 1/1 - 3/15 8/1 - 12/311/8 OZ1/8 IN1-235-501TENDERGREEN FLORIDA BROADIN1260-80'BURPEE HYBRID SPRINGTIME EARLY AUTUMNXCOLLARDS 3/15 - 6/30 7/1 - 10/11/16 OZ1/8 IN6-1275MORRIS HEADING VATES GEORGIAS CORN SWEET 2/15 - 5/153 OZ1/2 IN10-1269-72 SUGAR KING SUNDANCE BELLRINGERY CUCUMBERS 3/1 - 5/15 8/1 -kCABBAGE 1/1 - 1/30 7/1 - 11/11/32 OZ1/8 IN12-1565-750SUN-UP EARLY DUTCH HEAD RUBY BALL ROUND DUTCHZCARROTS 1/15 - 2/15 9/1 - 11/11/4 OZ1/8 IN1-270-75!DANVERS 126 IMPERATOR CHANTENAYiCHINESE CABBAGE 1/15 - 2/15 7/15 - 10/11/32 OZ1/4 1/2 IN2-348-55#BLUE LAKE 274 CONTENDER HARVESTERUBEETS 1/1 - 2/20 8/15 - 12/313/4 OZ1/4 IN2-455-60DETROIT DARK RED RUBY QUEENqBRUSSELS SPROUTS (SEED) 7/15 - 9/11/32 OZ1/8 IN12-15902LONG ISLAND IMP LONG ISLAND DWARF JADE CROSS E6ELECT RECORDSll print 8 lines]BEANS LIMA BUSH 3/1 - 5/30 8/1 - 9/11/2 LB1/2 IN3-460-67JACKSON WONDER CLARK'S BUSHeBEANS SNAP BUSH 2/15 - 5/15 8/10 - 9/101/2 LBEREC/VAR FALL.VEG.GR)))))))))))))))))))))    !!P  n CVS!-!-!-!-/  Comparin g Taxable , Tax-Exe mpt, and*  Tax -Deferred  Investments!-!-!-!-- (Assumes all profit ts reinvested)( Investmen t amount. .......??0??0??3@@0??0????1@@0??0??0??2@@0-  Taxable  Tax-Free  Deferred+.Year  account  account  account./----  --------  --------  --------0??0??0??0+?d)4@4@+?1+ Purchasin g Power o f Liquida tion Amt. 0, --------- --------- --------- ---------%d&@@+?d'$@$@+?d(.@.@+?d$@@+?d%@@+?  Deferred+ Year  account  account  account.!----  --------  --------  --------d"??+?d#@@@ @{4@4@ @ @ @ Liquidati on Amount --------- ---------%  Taxable  Tax-Free{$@$@ @ @ @{.@.@ @ W@@W@@W@@+Year  account  account  account.----  --------  --------  --------s??0W@@rate of r eturn...%*#?Y@?M Tax-Defer red retur n rate..%*#?Y@? Ca lculate=! Investmen t Balance --------- ---------%  Taxable  Tax-Free  Deferred.$*C Income Ta x rate... ........%*Y@C Long term  inflatio n rate..%*Y@] Taxable r ate of re turn....%*3??Y@?L Tax-free 0??4@@0??0??0??5$@$@0??0??0??6.@.@0??0?? CA1NH'$fwNHjP nSD$  or surp lus.....$88nvestmen ts.......: Spouse em ployment.;! Other incx ome...... "   -------  -------# Shortage ........$D> Sick leav e........: Company i nsurance.> Company r etirement9 Personal insurance: Iher i ncome sou rces....$*  Ca lculate=!       Short  Long   Term  Term    --------  --------; Income ne ed......$ Less:    Long ter m (over 6  months) (  Company  paid ins urance..$*(  Company  retireme nt......$*(  Persona l long te rm ins..$*(  Investm ent incom e.......$*(  Spouse' s employm ent.....$*(  Ot  Sick le ave...... ........$*(  Company  short te rm......$*(  Persona l short t erm ins.$*(  Investm ent incom e.......$*(  Spouse' s employm ent.....$*(  Other i ncome sou rces....$*' !-!-!-!-)  Dis ability I ncome Needs!-!-!-!-( Monthly i ncome nee ds......$*- Monthly d isability  income sources(  Short te rm (under  6 months)( RM1NHNHP nS0??74@4@0??0??0??pJANUARY FEBRUARYMARCHAPRILMAYJUNEJULYAUGUST SEPTEMBEROCTOBER NOVEMBER DECEMBERTOTAL!XINCOME!XJ JEFF'S #1 NO I DONT HA VE THREE JOB S, THOUGH SO METIMES IT !XE!"#$%&'()*/0123456789:!X!XI TOTAL NETrrrrrrr!X!X= TOTAL EXPRRRRRRR!X DEDUCTIONSrrrrrIIIIIII!XMISCRRRRRAAAAAAA!XCARSIIIII;;;;;;;!XDUESAAAAA1111111!X ENTERTAINMEN;;;;;&&&&&&&!XMEDICAL11111!X PERSONNEL&&&&&!X !X EXPENSES!X !XHOMEOTHER!X !X9 TOTAL JEFF'S #2 WOULD BE NIC E. I RECIEVE  TWO OR THREE PAY-!Xm JEFF'S #3 CECKS PER MO NTH. IE. ONE  EVERY 2 WEEKS.*!X KATHY'S #1!X5 KATHY'S #2 !X&!X!X HOME!X!X) CABLE TV!X%CITY!X&DECOR!X* FURNITURE!X-! IMPROVEMENTS!X*" INSURANCE!X(#MORGAGE!X($REPAIRS!X*% TELEPHONE!X&&WATER!X%'!X,? DRUGS KATHY!X@!X9ATOTALunt...$ Amount fi nanced..$  Total pay ments...$ Total int erest...$er 2 of of the nex xt 3 inputts>+  Amount fi nanced..$*****+  Input ter m in yr.#*****+  Input pay ment amt$*****  Ca lculate=!  Number of  payments Payment a mo-  -------  -------+ Debtor I. D........****** Interest rate/yr.%***** # of paym ents/yr.#(@(@(@(@(@(@(@(@(@(@0   DRUGS JEFF!X6!X7!X(0GIFTIES!X)1 HAIRCUTS!X)2 LIFE INS!X(3POSTAGE!X4!X95TOTAL!X*!X+ PERSONNEL!X,!X%-BABY!X(.CLOTHES!X%/FOODYARD!X(!X9)TOTAL!XB!XC ENTERT  !XD!X)E COMPUTER!X&FBOOKS!X*G MAGAZINES!X'HMOVIES!X*I NEWSPAPER!X,J RESTAURANTS!XK!X9LTOTAL!X!X!X!X!XSAVINGS!X!X9BONDS RETIREMT#2!X? RETIREMT#3*!X0 UN CRUSD#1 BECAUSE OF Y OU IT WORKS!X UN CRUSD#2!X? UN CRUSD#3*!X!X9TOTALINSURANCE!X{ INSURANC#2!X?| INSURANC#3*!X(}LTD#1 LONG TERM DI SABILITY!X~LTD#2!X:LTD#3*!X! RETIREMT#1 RETIERMENT!XOU ASK!Xu FICA TAX#2!X?v FICA TAX#3*!X,w IND INS#1 INDUSTRIAL I NSURANCE!Xx IND INS#2!X>y IND INS#3*!X'z INSURANC#1 LIFE N DUES!Xo EMP ASSN#2!X?p EMP ASSN#3*!X%q FED TAX#1 NEED YOU ASK !Xr FED TAX#2!X>s FED TAX#3*!X+t FICA TAX#1 AGAIN NEED Yh!Xi!XNj DEDUCTIONS THESE ARE IT EMS THAT ARE  DEDUCTED FROM MY PAYCHECK!X%kBOND#1 US SAVINGS BONDS!XlBOND#2!X;mBOND#3*!X4n EMP ASSN#1 EMPLOYEE ASS OCIATIO!Xg!X!X(aCHARITY!X%bDOGS!X&cOTHER!X-d SAVINGS DEDU!Xe!X9fTOTAL!X]!X^MISC.!X_!X)` BANK CH. INSURANCE!X%YLISC!X(ZREPAIRS!X[!X9\TOTAL!XT!X UCARS!XV!X$WGAS!X*XM!X NDUES!XO!X%PIEEE!X'QMASONS!XR!X9STOTAL!X!X) INTEREST!XSAVINGS!X!Xs TOTAL IN.**; Life ins.  protect* Furn/home im  improve.**? Reduce ins s. cost....* Mag/newspa apers......** Property tax......**  Miscellan eous.....**&!-!-  --------!-!-  --------- LIFE INSU.....* Homeowner s ins....**1 Diversifi cation...* Clothing.!.**3 Liquidity!.* Medical exp xpenses..**< Current in ncome....* Disability y ins.....**: Minimum e state tax* Entertain ment.....ransp..**+!-!-!- Auto insur rance.....**: Reduce inc come tax.* Medical i nsurance.**= Inflation  hedge...* Vacations... .........**2 Retirement t capital* Education!.**: Asset gro wth .**; Low conce rn........  = 2 Food......!.**B Moderate concern...  = 3 Utilities ..........**B High conc ern......  = 4 Home maint t/Rent...**B Very high  concern.  = 5 Auto opera /t** Business income...** !-!-!-!-!-!-!-G Financial  Priorities es Scores Budget items$ / mo$ / yr1 !- ---------!-!-!-  --------  -------E No concer n........  = 1Contributions ions.....;=>?@ABCDEFGHIJ!-!-!-!-)  Res ources an d Objectives!-!-!-!-* Earned Income  Your's  Spouse!------------------- Annual sa lary/wage** Annual bo nus's.... RM1NHNHP nSXXXXXXXXXXXXXXXXXXXXXXXXXXXXX!X!X!X!X!X!XA!X!X!X!X!X!X!X!X!X!X!X!X!X!XXXXXXXXXXXXXXXX!X3!X!X!X!X!X!X!X!X!X!X!X!X!X!X!X!X!X!Xg!X!X!X!X!X!X!X!X XXXXXXXXXXXXXXXXXXXXXXXXX!X!X$OUT!X!X= TOTAL NETRANCEGrowth.  TOTALSYour'sSpouse ChildrenRate 9!!-!-  ---------  ---------  ---------  ---------"" Face amou nt......$***"# Annual pr emium...$***)$ Present C ash Val.$**** %#% Cash Val i in 1 yr.$***)& Accum. di vidends.$**** %"' Last divi dend pd.$***#( Policy loa ans.....$***") Loan rate / yr....%****!-!-  --------!-!-!-*+AccountPer mo Interest  Taxable 7,  F;r  Your spo use's ear nings...$3s  Taxable interest. ........$^t  Total di vidends.. ........$9Y@'u  Other in come..... ........$***k Pers loan***l Other dbt***m!-  ---------  ---------<n  Totals.o!-!-!-!- p Taxable I ncome Sources:<q  Your ann ual earnin ngs.....$b!-!-!-!-!cAccountMonthly  Interest$dDEBTSbalancepaymentrate %*e!-  ---------  ---------  ---------f Home mrtg.***g 2nd mrtg.***h Invst mtg***i Chrg card.***j Auto loan*valuerate %!Z!-!-  ---------  --------- [ Your pensi ion bal..** \ Spouse pen nsion bal**] Residence!.**^ Personal property**_ Auto(s)..!.**` Other....!.**a Business practice.**Y@Y@sV Averages.!. ........$*MbP?Y@*MbP?Y@W!-!-!-!-XCurrentApprec#Y  OTHER ASSETS**Q Cable TV.!.****6R IRA - inv estments.***%S Misc. var iable....****5T!-!-  --------  --------  --------  -------}U Totals..$sing.****6L Gems/diam ond/coins***6M Gold/silv er.......***%N Cattle fe eding....****6O Cattle br eeding...***6P Timber... .........* ome......****%F R.E.- gro wth......****6G R.E.- tax  shelter.***%H Oil&Gas - income...****%I Oil&Gas c ompletion****$J Oil&Gas - drilling****%K Equipment  leaate %3?!-  --------  --------  --------  -------%@ Annuity -  variable****A Stocks...!.****%B Mutual Fu nd-income****%C Mutual Fu nd-growth****D Land.......!.****&E R.E.- incos; Average..!. ........%*MbP?Y@*MbP?Y@ <  --------!-!-  --------%=AccountPer moCash Apprec5> VARIABLEASSETSvalue$addtnsflow %rY@67 IRA - sav ings.....***A8 Misc. fix ed.......***Y@99!-!-  --------  --------  --------  --------U: Totals..$pal bonds***f5 Ins. Cash  Values..q6 Ins divid ends..... te of Dep***Y@A1 Corporate  bonds...***Y@A2 Mortgages .........***Y@83 Annuity -  fixed....***34 MuniciIXED ASSETSvalue$addtnsrate % interest9-!-!-  --------  --------  --------  --------@. Passbook sav/check***Y@A/ Money mrk t fund...***Y@A0 Certificav Reduction s to Income:(w  Personal  exemption ns......#*(x  Itemized  deduction ns......$*)y  Adjustmen nts (movin ng,etc).$*(z  Tax credi its...... ........$*({  Investmen nt deduct ions....$*|!-!-!-!-!-!-!-!-%} OBJECTIVES S and RESOUROURCES~!-!-!-!-!-!-!-!-' Long term  inflatio n rate..%*& Monthly t ake home pay.....$*' Monthly l iving exp enses...$*' Your desi red retir ement age*&  R |13 INTERESTA14   |14LAUNDRYF15   |15 LEGAL EXP.B16   |16 LICENSESF17J10   |10 FREIGHT & EXP.>11   |11HEATC12   |12 INSURANCEB13    |6 CONTRIBUTIONSG 7   |7 DELIVERY EXP.E8   |8 ELECTRICITYG9   |9 ENTERTAINMENTNGE 3   |3 ADVERTISINGF 4   |4 AUTO EXPENSEF 5   |5 CARTONS, ETCG 6 TOTAL  TOTAL LST MONTH  TOTAL  TO DATEDAYAMOUNTNO.(!`!`!`!` ```````` DEDUCTIBLE_1 @  |1 MDSE-MATERIAL ? @@D2   |2 ACCOUNTIKMNOPQRS MONTH OF !_!_19____-!=!=!=!=!=!=!=!=!=!=!=!=!=!=H TOTAL REC EIPTS FRO M BUSINES S OR PROFESSION EXPENDITURESj!-!-!-!--------ACCT.ACCOUNT  MONT HLY  CA1NFNFPnSG.....$* (trust fund t fund, not ot from asssets)Ca lculate=!ath b enefit..$*' Spouse pe nsion / m o.......$*'  Lump su m death b enefit..$*)  Disabili ty Income  sources/mo.& Company l ong term benefit.$*& Personal disabilit y insur.$*Y Other dis ab. benef itsergency  reserve$*' Education  cost/chi ld/yr...$*& Years of college p lanned..$*' Part of e ducation you pay.%*0  Company re retirement t plan benefits:' Your pens ion / mo. ........$*'  Lump su m deWith chil dren at h ome/mo..$*' After chi ldren gro wn/mo...$*' Retiremen t plan in come/mo.$*$ Additiona l survivo r income$& Rate of r eturn on capital.%*) Final exp ense(funera ral etc)$*& Survivor emetireme n income goal/mo.$*1  Survivor r income requirementsnts/mo:' With chil dren at h ome.....$*' After chi ldren are  grown..$*& From age 65 to lif e expect$*+  Spouse earnings as a survivor:'    |17 MISC. EXP.G18   |18 OFFICE EXP.Y19   |19POSTAGE @ @&@>20   |20RENTA21   |21REPAIRSC22   |22 TAX-SALESG23 *@  |23 TAX-SOC SECC24 @ M  @? J @ U. R. SUDS CO.   @1 M @ R  1 O  D  1 P  B  1 ? V  1  D  H  1  E  U  @1  T  J  @1  Y "@ N  @1 U OM PAID CHECKACCT.AMOUNT9!-!-!-!-!-!-------!-!-!-!-!-!-!-!-!-E 1A 0987 p@ 02 HOMEVIEW 2132 89 Q@1 B  D  E  23 B.R. JONES CO. 3421 TVWX*MONT H _______!_YEAR  ________l MDSE . AND MAT ERIALS PA ID BY CAS H AND CHECKS OTHER EXP ENDITURES BY CHECKS AND CASH[ DAY TO WHOM P AID CHECK  AMOUNTDAY TO WH    CA1 NC NCPn DG! TOTAL THI HIS MONTH @A8! TOTAL UP P TO LST MONTH2@;9!!!!!!!!! TOTAL TO O DATE:@ LOANS RECEIV. "@"@+3!55 PERSONAL=4!56 FIXED ASSETS @@(5!57XTRA4-6!!'!'!'!'!'!' ''''''''''''!'!':7MEMO!!::::::>/!51 NOTES PAYABLE ??O0PTM<@!52 FEDERAL INC. TAX21!53 LOANS PAYABLEX2PTDK@ !54C) TOTAL TO DATE@Q@35XTRA3 ?-*!*!*!*!*!*!*!*!*!*!*!*!*!*!*W+ SUB-TOTAL@ @.@%-!!!!!!!!! NON-DEDUCTIBLE. |31 WAGES & COMM.:&!~!~!~!~ ~~~~~~~~32WATERP' TOTAL THIS MONTHA@33XTRA1E( TOT. TO L ST MONTH ?34XTRA2C"28 @  |28 TELEPHONEF#29 @  |29 TRADE DUESJ$30   |30 TRAVELING EXP.I%31   @  |24 TAX-UNEMPC25   |25 TAX-OTHERH 26   |26 SELLING EXP.B!27   |27 SUPPLIESW  N  1 Q  M  H!-!-!-!-!-!- --------!- ----------!-!-!-!-!- --------\Carr ied forwardhr@ CARRIED FORWARDףp= w@@^`abcdefghijklmn !-!-!-!-  <  Investmen t Accumul ation (Lu mp + Add)  *  !-!-!-!- VALUABLE FORMULAS?  Lump sum available ........$* DO NOT DISTURBQ  M RM1NHNHP nSz) Pace f@  June 1,1983}*  Venture T@  June 1,1983ʡEv@  @U@'  Amer.Cap. ~(  Comstock X@  June 1,1983FundsPriceValueCost Date Aquiredd Current Profit or Loss rofit or Loss^#  ========  =========  ========= ========  ===========  =========!=====$ 403B Shelteeltered%!- ---------& TwCnt. Select  Academ   != METALS Gold  Silver !=" RETIREMENT (Tax Sheltered)  STRSJuly 85 Y"}@ JANUS  @ May,1983? i@HCLB  Dec,1985!= PARTNERSHIPS Hutton j@ ULTRA  @@ May,1983@| x&1J@  NICHOLAS  p@ April,1985pw Y[\]opq/ Asset List - Jim & Mar ilyn Shepard DEC.85 CASH  Checking   Savings !=) SECURITIES /Funds (not  sheltered)w CAD13D NB+NB'8 NB/PnSonthly a dditions. ........$*ADDS/YR(@  Annual in terest ra te......%* INTERESTHz>?@(@?@Y@*(@$  9@?#Y@*(@%  :Y@*(@"  7@?#Y@*(@#  8@?#*(@   5@?#Y@*(@!  6@?#*(@  3@3@#Y@*(@  4@4@#Y@*(@  1@1@#Y@*(@  2@2@#Y@*(@  .@.@#Y@*(@  0@0@#Y@*(@  *@*@#Y@*(@  ,@,@#Y@(@  &@&@#Y@*(@  (@(@#Y@(@  "@"@#Y@*(@  $@$@#Y@*(@  @@#Y@*(@   @ @#Y@*(@  @@#Y@*(@  @@#Y@*(@  @@#Y@*(@  @@#Y@*-------   ??#Y@*(@   @@#Y@*R  Tax rate on intere st......%* TAX RATEY@    Ca lculate=!,     Annual  Tax on  Ending1    Year  Interest  Interest  Balance1    ----  --------  --------  -@?#Y@*(@&  ;@?#Y@*(@'  <@?#Y@*(@(  =@?#Y@*Y+ Valic Feb 1,1982- IRA Shelterltered.!- ---------z/  Windsor @@  Mar.1,1985*(@(@<  H@?#Y@*(@=  I@?#Y@(@:  G@?#Y@*(@;  H@?#Y@*(@8  F@?#Y@*(@9  G@?#Y@*E@?#Y@*(@7  F@?#Y@*?#Y@*(@5  E@?#Y@*(@6  Y@*(@3  D@?#Y@*(@4  D@Y@*(@1  C@?#Y@*(@2  C@?#*(@/  B@?#Y@*(@0  B@?#*(@-  A@?#Y@*(@.  A@?#Y@(@+  @@?#Y@*(@,  @@?#Y@(@)  >@?#Y@*(@*  ?@?#Y@*1!=2 4HOME5 Equity 7CARS 9 PERS.PROP. :!=; >!=!=%? TOTAL NWA!=!=!=!=!=!=!===^B Percentages of Liquid P ortfolio (n ot includin g home,STRS , or person al property/DCashME Blue Chip S tocks/Funds5F Bond FundsY+ Valic Feb 1,1982- IRA Shelterltered.!- ---------z/  Windsor @@  Mar.1,1985z) Pace f@  June 1,1983}*  Venture T@  June 1,1983ʡEv@  @U@'  Amer.Cap. ~(  Comstock X@  June 1,1983FundsPriceValueCost Date Aquiredd Current Profit or Loss rofit or Loss^#  ========  =========  ========= ========  ===========  =========!=====$ 403B Shelteeltered%!- ---------& TwCnt. Select  Academ   != METALS Gold  Silver !=" RETIREMENT (Tax Sheltered)  STRSJuly 85 Y"}@ JANUS  @ May,1983? i@HCLB  Dec,1985!= PARTNERSHIPS Hutton j@ ULTRA  @@ May,1983@| x&1J@  NICHOLAS  p@ April,1985pw rtuvwxy/ Asset List - Jim & Mar ilyn Shepard DEC.85 CASH  Checking   Savings !=) SECURITIES /Funds (not  sheltered)w CA1NC+NB'8 NB/PnS2JMetals K!=L{G Aggressive Funds/Stocks(2?5H Mining Stocks 6I Parterships1!=2 4HOME5 Equity 7CARS 9 PERS.PROP. :!=; >!=!=%? TOTAL NWA!=!=!=!=!=!=!===^B Percentages of Liquid P ortfolio (n ot includin g home,STRS , or person al property/DCashME Blue Chip S tocks/Funds5F Bond FundsQ@{Gz?X`@Sep@?;o=@(@1Z` Q@{Gz? /n@Oct @@?;?Tp?@(@1o:Q@{Gz?(]Ia@Aug@?; }r>@(@1S/rPQ@{Gz?ᣭ@Jun@?;Kս?@(@1TbuQ@{Gz?NI6@Jul@?;*Q6/b@@(@1&,+Q@{Gz?e.@May@?; @@(@1= --------9-9-: Loan Begins @@Mar 84 ?;@@(@1*D|Q@{Gz?/؅ķ@Apr <@.  <------ computed last, use OA-KM Principal Left?sk@-  <------ twice to update results. 9=9=======9=9=9=9=9=9=9= Loan Activity 9-----& INTEREST PRINCIPAL RESID.BALs) H@ Monthly Payment[OD\Y@(@???(@9=9=======L Total Int erest Pd9L G1@/  <------ As these values are P Total Pri ncipal PdaF;z|}~9=9=9=9=9=9=9= ! AMORTIZAT ION TABLE 9=9=9=9=9=9=9=  Loan Summary 9---- Loan Amount @@ Interest Rate ?# Loan Term (Month RM1NHNHP nS2JMetals K!=L{G Aggressive Funds/Stocks(2?5H Mining Stocks 6I Parterships?;0@?;[-@(@1؎U@{Gz?,_,l@/Jun<@?; D90@(@1eNU@{Gz? ZF@0Jul=@?;?kҠ1@(@1T@{Gz?(A@.May;@?;&0@(@1PR!U@{Gz?Ix-@,Mar9@?;p*R2@(@1ݟGT@{Gz?Ĭņ@-Apr :@?;w3@(@1e_dpT@{Gz?Keѡ@+Feb8@?;, 3@(@18 ~OT@{Gz?:@)Dec6@?;qr]4@(@1нuET@{Gz?ypu@*Jan 867@?;e"5@(@1L S@{Gz? Fp@(Nov5@?;K 5@(@1!1T@{Gz?I{k@&Sep3@?;?[6@(@1IS@{Gz?nW@'Oct4@?;kA&7@(@1Z?rS@{Gz?j@%Aug2@?;27@(@1S@{Gz?I0Ȧ@#Jun0@?;_wM8@(@1]|cIS@{Gz? gTݓ.@$Jul1@?;xђ9@(@1[#|R@{Gz?lDa@"May.@?;8@(@1QN S@@{Gz?ls$@ Mar*@?;zZ3:@(@1`MlR@{Gz?%q@!Apr ,@?;͓rp;@(@1>\uR@{Gz?Re%@Feb(@?;6:Վ:@(@1K.R?;EO眘*@(@1e0V@{Gz? @4Nov@@?;MD:)@(@1<{5V@{Gz?G`C@5DecA@?;7L'@(@1dV@{Gz?Zaݔ@6Jan 87A@*Y@{Gz?@p@@Aug@?6c@*Y@{Gz?VUUUU%p@Jun@?6VUUUU5d@*Y@{Gz?Zp@@Jul@?6d@Y@{Gz?p@$@May@?6jd@*Y@{Gz?VUUUUup@@?6VUUUUd@*Y@{Gz?p@V@Apr @?6d@*lts.9=9=======9=9=9=9=9=9=9=9=9= Loan Activity 9-----0 INTEREST PRINCIPALPAYMENT RESID.BAL --------9-9-9-F Loan Begins @Mar 84 9=9=======L Total Int erest PdV@/  <------ As these values are P Total Pri ncipal Pd @.  <------ computed last, use OA-KM Principal Left@-  <------ twice to update resu@9=9=== Interest Rate ?# Loan Term  (Years) @ Payments/Year @. Total No.  Payments8@$ Constant Principal Y@F First Payment"p@9=9=9=9=9=9=9=9=9=1 AMORTIZATION TABLE (Amort.Netro.IV)9=9=9=9=9=9=9=9=9= Loan Summary9=9===&9---- "Constant  Principal"( Loan Amount  RM1NCNC UnS{Gz??sk@S9TOTALS9L G1@aF;<@?sk@?;O "yA&@(@1/V V@{Gz?a]t@7FebB@?;$@(@1'V@\@Sep@?6VUUUUc@*Y@{Gz? p@*@Oct @?6`c@*Y@{Gz?o@@Nov"@?6*c@*Y@{Gz??6j^@*Y@{Gz?VUUUUk@ @3Jul=@?6^@* l@@1May;@?6VUUUU^@*Y@{Gz?k@@2Jun<@*Y@{Gz?VUUUUUl@L@0Apr :@?6@_@*Y@{Gz?@.Feb8@?6 `@*Y@{Gz?l@@/Mar9@?6_@*Y@{Gz?VUUUUl@x@-Jan 867@?6@`@*Y@{Gz?l@Nov5@?6`@*Y@{Gz?*m@ܾ@,Dec6@?6VUUUUu`@{Gz?VUUUUm@@*Oct4@?6`@*Y@{Gz?`m@@@+?6Ja@*Y@{Gz?m@@)Sep3@?6VUUUUa@*Y@VUUUU5n@h@'Jul1@?6a@*Y@{Gz?n@6@(Aug2@*Y@{Gz?jn@@&Jun0@?6VUUUUa@*Y@{Gz?@$Apr ,@?6 b@*Y@{Gz?n@@%May.@?6a@*Y@{Gz? o@0@#Mar*@?6VUUUUUb@*Y@{Gz?VUUUUn@&@?6b@*Y@{Gz?@o@b@"Feb(@?6b@o@@ Dec$@?6VUUUUb@*Y@{Gz?VUUUUuo@@!Jan 85Y@{Gz?k@@4Aug>@?6VUUUU]@*Y@{Gz?Jk@X@5Sep?@?6*]@*Y@{Gz?VUUUUk@@6Oct@@?6\@nterest and payments decrease. Also a column called "Payment" DBhas been added. There is a more complex formula for calculations <:involving "Constant Principal" Payments however it wasn't A?required here and will be saved for another time where iterest portion and >solution for BOTH ln(x) and log(x). What happens is at least CAtwofold. First you will get a set of answers which for "x equal DBto or less than 50" is OK! Beyond that the accuracy falls off to =;the point the modelmplish very much but it takes "forever" to run. At least it seems that way!CAWithout going into all the development, this template will allow B@you to enter any real number (x) for which logorithmns might be ?=calculated and with an "OA-K twicTAWUG disks. In fact if you want to use B@AppleWorks for logorithmn applications PLEASE use his files. B@In this Note I want to show a "tediously developed" template to =;make up for deficiencies in AppleWorks and how it not only B@doesn't accobut possibly interesting experiment.;9What I've done is to develop a SS Template for computing > 0< Enter x--> 40.00 (x-1)/(x+1)= .9512195A (US RM1NHNHP nSQ?@?      ,@@Q?@?Q??@?Q?@?      "@@Q?@??Q?@?Q?@?      @?Q      @?Q?@?Q?@?      @@?      ??Q?@?Q?@?(@ 1 Age  Balance  Balance     2 ----  --------  --------      Q?@?Q?          Rate of r eturn...%)Y@Y@  Y@Y@ ]   Year End  Year End  (@ IRA contr ibution.$     ^ Less: inco ome Tax.$ Y@     S Net inves tment/yr$     f female ........#*   ,@ (   Ca lculate=!               /    Savings  IRA etc     /   -------  -------     Int.%*  P@P@@T@@T@ Y Annual IR A contrib ution...$*  P@P@@T@@T@ X IRA rate of return ........%*  @Q@@Q@T@T@ ` Enter 1 i B@B@S@S@ Z Desired re etirement  age....#*  J@J@S@S@ Y Income ta x bracket ........%*  M@M@T@T@ X Tax rate after ret ireme!-!-!-!-     ; IRA/KEOGH /TSA vs T axable Savings     A!-!-!-!-  1@1@@S@@S@ Y Present a ge....... ........#*  @?      Retire @Q???Q???              E Retiremen t Summary  at age...     >! Assuming retiremen t on your  birthday     "         /#   Savings  IRA etc @>calculations dominate recordkeeping and vice versa. Viewing a 97full database file is cumbersome without printing, and A?calculations are limited. Spreadsheets lack the flexibility of >The fun here is to enter various values for "x." (Everything A?else is protected.) Count how long it takes to calculate. My DBuno .0126622<CHECK --> x = 40.00 .0092112< .0067851< The check figures show how accurate .0050488< ln/log results are. .0566238<CHECK --> x = 40.00 .0370108< .0252207< log x =1.6020601 .0176850< E "OA-K" TWICE) Taylor Series Formuli< ln x =3.6888794 1.3938652< .1715033< e =2.7182818 .0925959<  ;         <                  4         5         6         7         8         9         :         ntinues u ntil age     -         .         /         0         1         2         3Y@Y@     /)   --------  --------     S* Net Incom e/Mo....$     +         D, Income concome...$R?(@?R?(@?     ( Less inco me tax..$?(@     /$   -------  -------     a% Total con trib....$     I& Balance.. ........$     ' Monthly i n actual example follows. DBCompany "M" sells a variety of products from several dozen firms. CAPrices vary by volume, customer, service, etc., and costs change CAperiodically. Salesmen need "on hand" data to minimize stockouts CAwhen taking orders. M's customers won't tolerate the unknown and ;9M's computer doesn't have perpetual inventory. The Sales Manager's AIIc is available. ?=First a database file collected all product line info except >of thetouts are given to salesmen. Paper is 9cheap compared to lost business from unhappy customers.B@This database file was converted to a spreadsheet using the DIF B@method. Cost/price data was added and inventory related columns CAwere moved to thas 25 fields with 5 @>"spares" to avoid report redesign when new fields are needed. DBInventory data on this file is kept current with product receipts CAand sales entered daily, a 30 minute chore. Inventory is entered DBwhen available. Daily prinayoff there can be considerable NLbenefit. Those who are not in this position currently may have a friend or PNrelative who is. It could mean a shift for income tax purposes of taking the FDstandard deduction and not itemizing. Three primary factors in the calculations are:GE * Only a part of the interest payment is serving as a real tax HFdeduction as each individual or two persons filing jointly has (have) FDa standard deduction with or without other deductions. Forthcoming ?" was fashioned to show certain 8changes made and hopefully to be even more functional.PNThe first image shows a part of the existing file. It has no entries and the /ERROR indication comes from dividing by zero:A===========================s. Sides 17/18 contained several. One of them OM"FIRSTOFAMERICA" is a SS file involving amortization. The developer remains NLunidentified so to "Whom It May Concern" a few comments are made here and a MKnew Spreadsheet file named "FirstAmerica.II: Robert J. Netro 1606 Greenway Rd SE North Canton, OH 44709 (216) 497-7540,SUBJ:FIRSTOFAMERICA File On TAWUG File 18PNIt is always great to see SS and DB applications which members can employ for CAtheir own purposed many local tax juridictions.NLEach person (couple) might apply their own situation to both alternatives. 1The results could be surprising and beneficial. GOOD LUCK!@==============================================================Fromy. It is worth noting that MKpart of donations and political contributions have tax benefits outside of JHitemizing. Also by lowering investment income more than the deductions NLforegone, ultimate income taxes would further be lowered for state an rate is higher, if the actual interest expense OMis lower, etc., the Net Cost increases. Of course if "other" deductions are JHhigher the net cost would decrease, however it may be advisable to work MKtoward cutting some of these where discretionar ZeroA * Investment Income  4000  Zero= Net Cost 1600 ZeroIGIf State and Local taxes are not deductible, if the standard deduction PNincreases, if the marginal taxCURRENT  PROPOSED= * Benefit from 900 Zero Itemizing= * Tax on Investment -1000 Zero Income= * Interest Expense -5500 deduction. On the other hand they are paying full taxes on the OMinvestment income or in our example $4,000 of income ($50,000 X 8% ). At a @marginal tax rate of 25% they would have a picture as follows:E 1500.00PNUnder current regulations, the couple have a standard deduction of $3400.00. KITherefore using the low end of mortgage interest or $5500 plus $1500 for HF"other" gives us $7000 to deduct. This is really only $3600 over the KIstandarde to insurance coverage even the Dunreimbursed expenses fail to meet the 5% of adjusted income rule." * Property Taxes - $500.00( * State and Local Taxes -$500.00 * Misc. - $200.00- TOTAL - $500 -$6,000 depending on the term. IGAssume they have at least $50,000 invested in CD's, Mutual Funds, etc. Dearning an average of 8%. Also assume the "other" deductions are: * Donations $300.00GE * Medical & Dental - None. Dusafely earn income.IG * The Tax Reform Act under proposal may include provisions which "disallow certain tax deductions.KIAssume a couple has a $50,000 note on their home at 12% APR. The annual MKinterest this year would be between $5,=tax reform seems to be promising an increase in the standard ?deduction which will make this phenomina even more pervasive.NL * The typically high interest rates on real property generally exceed ?the rate at which discretionary funds can ====================================( AMORTIZATION TABLEA===============================================================Loan Summary------------ Loan AmountInterest Rate Loan TermMonthly Payment ERRORA===============================================================Loan Activity-------------A INTEREST PRINCIPAL RESID.BALA -------- --------- ---------ALoan Begins extend the model.LJ 4. Finally, in a model like this one once you have gone through the > Monthly Payment 101.45 ========================9Total Interest Pd 806.16 <------ As these values are=Total Principal Pd 2846.05 <------ computed last, use OA-K>Principal Left 1153.95 <------ twice to ===========================================( AMORTIZATION TABLEA===============================================================Loan Summary------------Loan Amount 4000.00Interest Rate .100Loan Tnly." IGThese partially protected cells allow entry of loan information. This OMconcept is recommended to avoid anyone from destroying valuable construction Ainadvertently. Yes, it even pays to protect yourself from you!A====================ake monthly payments smaller.MKFINAL NOTES: The file "FirstAmerica.II" is left in the mode shown in this IGexample. Also please note in reviewing this file that it is protected LJcompletely with exception of 3 cells which allow entry of "values ot in the column labeled "RESID.BAL." If the loan was paid MKin full, the amount would be zero. This can be very handy to show someone NLthe amount of a balloon payment given, in this case, three years to pay but Athe amortization over 4 years to m positive amount in the category "Principal Left." The example is for OMa 4 year loan and our schedule only goes 3 years. Therefore you will find a OMremainder of $1153.95 of the original $4000.00. To accomplish this we asked PNfor a minimum amounmn IGsomething similar was done. Of course these were replicated down each column.KIThe final printout will show an additional feature. If the loan term is LJlonger than the number of payments in the schedule, the Loan Summary will OMshow awas paid off. To correct this, replace the formula with:$ @IF(G15<=.01,0,(C8/12*G15)JHWhich means " If the previous balance is less tha or equal to 0.01, the NLInterest = 0, otherwise use the original formula. For the Principal colucomputed by the formula: (C8/12)*G15 LJwhich multiplied the previous balance (G15) by the monthly Interest Rate OM(.10/12). As the balance dropped to "zero" and below, our friendly computer OMcalculated away even though the loan .00AFeb 36 .00 0.00 .00/TOTALS 29.37 1000.00KICUTOFF Explanation. The formuli under both the Interest and Principal Jcolumns were changed. Originally, Interest was ct 32 .00 0.00 .00ANov 33 .00 0.00 .00ADec 34 .00 0.00 .00AJan 87 35 .00 0.00 .007 --------------------------------------------7 The middle part of the template was ommitted7 --------------------------------------------ASep 31 .00 0.00 .00AO0ASep 7 .00 0.00 .00AOct 8 .00 0.00 .00ANov 9 .00 0.00 .00ADec 10 .00 0.00 3 5.60 165.96 506.22AJun 4 4.22 167.34 338.88AJul 5 2.82 168.74 170.14AAug 6 1.42 170.14 .0update results.> ========================A===============================================================Loan Activity-------------A INTEREST PRINCIPAL RESID.BALA -------- --------- ---------ALoan Begins 0.00 0.00 4000.00AMar 84 1 33.33 68.12 3931.88AApr 2 32.77 68.68 3863 ( %HELPFUL HINTS....................#6% by Ina LevinsonMORE FROM THE SOURCE*( Back in article #4, we covered up- (&loading text files from your Apple to +%O=====|====|====|====|====|====|====|====|====|====|====|====|====|====|====|===<"EES/57.29578>9 TO CONVERT RADIANS TO DEGREES USE 57.29578*RADIANSN@55R?gyܥL@ MJ@? MJ@?i COSECANTN@55R?gyܥL@Y^8y??Y^8y??F<NOTE: ALL DEGREES CONVERTED TO RADIANS BY DEGR8@@@`TANGENTN@55R?gyܥL@V?V?j COTANGENTN@55R?gyܥL@DBNnQy??DBNnQy??gSECANT@"@&ACOSINEN@55R?gyܥL@dhk??@@@8@@@dhk??@@@N@55R?gyܥL@{#z?@@@^@@@"@&A{#z?@@@^@@@@@8@@@   DEGREESRADIANSRESULT`TANGENTN@55R?gyܥL@b?b?3 SINE(APPROX)z?z? DEGREESRADIANSRESULT COSINEN@55R?gyܥL@dhk??@@@8@@@dhk??ts, constant principal payments, interest paid in each year 6(for tax purposes), adjustable interest rates, etc..20IGThere are many additional features which can make such a template more Nfunctional and more general however that will have to wait for another time.JHA few of these would include: skipped payments, late payment penalties, LJballoon paymen  RM91(9NHNHP nSX@X@F@F@V@V@ O@O@":@>@":@>@  F@F@@@F@F@@@ E@E@Ԟ@Ԟ@E@E@@@ P@P@"<@>@"<@>@????F@F@D@D@@@D@D@J@J@w!--  -------  -------  E@E@\@\@E@E@@@ You retir e @ 65      C@C@@@C@C@ԥ@ԥ@g      D@D@J@J@D@D@@@ Retirement  Present  Maximum  a@B@B@t@t@B@B@P@P@ Ca lculate=!  %@C@C@@@C@C@@@gȦ@Ȧ@ Spouse's AIME for   factors.    B@B@ġ@ġ@B@B@@@ retiremen t.......$*>@ %@t@A@A@@@A@A@@@ Spouse's age.....#*  Securit y by vari ous inflation b@A@A@$@$@A@A@ncome c omputed b y multi-  @@@@4@4@@@@@@@ monthly e arnings.$*>@   plying earnings taxed bySocial>@ monthly e arnings.$**@!  AIME is  the Aver age Indexed @@@@@@@@@@.@.@ Retiremen t AIME or   Monthly  I=@=@>@>@q Present a ge......#* >@>@8@8@>@>@>@>@n Present AIME or  ?@?@@@?@?@>@January, 1983  --------  --------  --------  --------q   Present  Maximum*@*@>@>@q   -------  -------=@=@*@*@!-!-!-!-+  Soci al Securi ty Worksheet !-!-!-!- SS MAX AIMEW See manua l for AIM E definition  SURVIVOR  MAXIMUM  RETIRE  MAXIMUMV Benefits based on O@O@??2@@-@G@G@@@G@G@@@  2@@-@G@G@,@,@G@G@R@R@ Spouse be nefit@ 65??   5      6      7      8      9      :      ;      <      =       h1 N@N@" @@@" @@@  h2 N@N@"X@@@"X@@@  3      4   @"x@@@  h/ O@O@"@@@"@@@  h0 O@O@"@@@"@@@P@@@g,      @P@@P@@@@P@@P@@@A- Widow Ret ires @ 65  h. P@P@"x@@  O@O@@@O@O@L@L@+ 1 Child Only#??#??  P@P@@@P@N@N@@@) Widow + 1 Child#??#??  O@O@@@O@O@@@* 2 ChildrenN@N@@@N@N@@@( Family MaximumM?(\@q= ףp???  N@N@@@@M@@@M@M@ @ @& Survivor Benefits  Estimate  / Month  M@M@@@M@M@@@~'!- --------  --------  -------  ?  L@L@@@L@L@|@|@g$      L@L@@@L@L@F@F@w%   Present  Maximum  Mޠ@" O@O@":@>@":@>@  K@K@@@K@K@@@# O@O@?J@J@\@\@J@J@:@:@! (on own I ncome) 64"<@>@"<@>@  K@K@@@K@K@ޠ@?  I@I@@@I@I@@@g      J@J@@@J@J@@@q Spouse Re tire @ 65  @@ O@O@"@@"@@  I@I@,@,@I@I@L@L@ O@O@?  H@H@М@М@H@H@@@  (on Your  S.S.) 64"&@(@"&@(@  H@H@|@|@H@H@)the Source as well as using the Source's '%text editor to create files. In the +)article, I mentioned loading those files '%into the Mail System. This month we )'will go into detail on the mail system )'(lovingly called SMail) and will cover be the last element on the line. For example:'%-> MAIL EX TCA123 CC TCA456 SU IT'S RAINING!'% Once you've seen the ENTER TEXT )'prompt, you can begin typing your mes- )'sage. To make changes you can use the +)system editor (Ar, a Carbon Copy goes to TCA456 and a Blind Copy goes to TCA789.'%Remember! A command affects ALL the "account numbers which follow it!+) You can also add the subject to the )'command line. However, if the subject *(is used, it must83)'The letter is delivered on the day you specify.*( You can use a combination of these %#commands on the command line. For example:*-> MAIL EX AR TCA123 CC TCA456 BC TCA789(&This will send your letter EXPRESS to +)TCA123TCS744$REQUESTED .AR Account number+)When the recipient(s) read your message, +)an acknowledgement is automatically sent to the sender.+)DELAYED -> MAIL TCS744 DA 9 JUN  83DELIVERY .DA 9 JUN .BC Account number(&Again, a copy of your message goes to %#the account number(s) after 'BC'. *(However, the original recipient of your )'message will not see that someone else has been copied.#ACKNOWLEDGEMENT -> MAIL AR .CC Account number(&A copy of your message will go to the (&account number(s) listed after 'CC'. )'The original recipient of your message %will see that a copy has been sent.*BLIND COPY -> MAIL TCS744 BC TCA123$ on of what it does:OPTION HOW#EXPRESS -> MAIL EX TCA123 .EX(&This places your letter at the top of )'the recipient's mailbox. It is almost always faster.*COPY -> MAIL TCS744 CC TCA123$etting into sending mail, +)let's discuss some of the options avail- +)able to you. To make things easy, fol- +)lowing is the option, how to use it from '%command level and how to use it from *(within the text as well as a brief des- criptieally is (&no limit as to how many lines you can *(send to another person (I've been known (&to send close to 500). Just remember +)that each line shouldn't be more than 80 *(characters and must end with a carriage return.)' Before gg +)you'll see is: SUBJECT:. At that point +)you can type in the subject of your mes- )'sage followed by a carriage return and )'you will see: ENTER TEXT. Now you're *(in the mail system and can type away to )'your heart's content. There rl (&before (or have read the manual), you )'can shorten the steps by typing almost +)everything on one line. For example, if '%you know you want to send the letter (&EXPRESS you can type: MAIL EX TCS744 )'and a carriage return. The next thinat those times. *(But, for the most part, it IS quick and it certainly is easy.*( To access the mail system, at com- )'mand level type: MAIL. At that point '%the system will lead you through the (&steps. However, if you've used SMaice. I won't try to '%delude you and tell you it is ALWAYS )'fast. When the subscriber load online '%is heavy, just getting into the mail '%system can be a lesson in patience. )'And, getting the system to accept your *(letters can be a chore *(the Sharefile ability to make your pro- '%grams, files, etc., available to the other users.+) SourceMail is really an easy-to-use &$system. It is (most of the time) a *(quick way to get messages to other sub- *(scribers on the Sourticle #4). The command +)to access the Editor is ".ED" and is al- '%ways entered at the left margin of a +)blank line. When finished editing, type +)"FILE". Aside from the Editor, here are )'some of the commands to use for making %#changes while you are writing your letter:)'.Q (QUIT) - cancels the letter and re- "turns you to the primary prompt.+).TO - followed by an account number adds $"that person to the list of direct addressees.)'.TO - with a hyphen BEFORE the a#FO(ward) account #- To forward the message to another subscriber.#!F(ile) - to file messages in the MAIL.UFD*(F(ile) category - to file messages in a #specific category in the MAIL.UFD%#SA(ve) filename - To save messages '(including tding the header) again.&$NO - brings you to the Disposition: prompt.)'N(ext) - goes to the next message, by- passing Disposition:.+)D(elete) - deletes the message from your mailbox.*(RE(ply) - Allows immediate reply to the sender.%specific date.+) Additionally, the following options (&can be used when reading your mail at (&either the '-MORE-' or 'Disposition:' prompts.*Q(uit) - Returns you to the mail prompt.(&AG(ain) - Displays the entire message (inclued in your MAIL.UFD (more on that in a minute).%#FILE CATEGORY - Reads or scans the $"letters filed by category in your MAIL.UFD'%SU SUBJECT - To read letters about a specified subject.*(DA 6 JUN 84 - To read letters sent on a  the following can be *(preceded by either MAIL R (for READ) or MAIL SC (for scan):&$UN - Reads or scans only the UNREAD messages.'%EX - Reads or scans only the EXPRESS messages.(&FILE - Reads or scans the letters you '%have filping: MAIL SC UN.)' You can ask for your mail at com- (&mand level with the command MAIL READ *(which will display every letter in your )'mailbox. However, by using any of the )'following options, you can be more se- )'lective. Each ofumber.+)ead #- - Reads all messages from that number.+)elete # - Deletes scanned messages by (number using the same format for Read.*uit - Returns you to the mail prompt.)' You can also scan only the UNREAD "messages by tymessage by number. The following com- (&mands allow you to handle the scanned mail:%#ead (or Return) - will read all Scanned messages.'%ead # - reads scanned messages by number.(&ead -# - reads up to and including that nand. (SC stands for scan.) It will +)list the header of each letter (who sent '%it, how many lines, whether it's ex- '%press, when it was sent and the sub- *(ject). At the end of the Scan, it will *(ask you if you want to Read or Delete a )'Express mail as well )'as the total number of messages. (The *(MAILCK command is in my SID file and is *(activated automatically each time I log on.) *( If you have mail and don't want to '%read it all, you can use the MAIL SC +)commsend mail, *(let's get into reading what people send )'you. MAILCK is a command which checks +)the status of your mailbox. It lets you +)know if you have any mail sitting in the *(mailbox which has been read, any unread +)mail and any unread )password. If the password is forgotten, !the letter CANNOT be retrieved.+).LOAD Filename - places a file from your UFD into the letter.&$.S - typed on a separate line, this prompt SENDS your letter!+) Now that you know how to "the subject line in the address.+).PASSWORD - with a word only you and the +)recipient know adds another level of se- *(curity to your letter. When the letter '%is received, the header is displayed &$followed by a prompt requesting the +ccount +)number removes that person from the list of addressees.(&.DI - Displays the entire text of the letter.*.DI TO - Displays the "TO" address line.%.DI SU - Displays the subject line.)'.SU - and another subject will replacehe header) in a UFD file.*(SA(ve) IN filename - To append messages to a preexisting UFD file.*(SA(ve) TEXT filename - To save only the $TEXT of the message in a UFD file.+)SA(ve) TEXT IN filename - To append TEXT to a preexisting UFD file.&H(elp) - displays available options.(&UN(read) - Places the message in your &$unread mail when you next do a MAIL READ, MAIL SC or MAILCK.%P - returns to the previous prompt.)' The system will automatically re- *(turn you to Disposlic filing cabinet. &$Files, etc., you want to share with +)other subscribers must be stored in this )'area as it is the only area from which '%your files can be transferred and/or )'displayed by other subscribers. Files *(placed in this areaA089STC602 (return) (return)&$ Now to send mail to this list, type: MAIL ML filename.(& Just as your UFD is your private (&filing cabinet, you also have at your (&disposal a SHAREFILES UFD. It is, in '%effect, your pubend messages of many of the '%same people you may wish to create a (&text file of their account numbers to (&save having to type the accounts each &$time. Using the same principals as above,-> Enter filename (cr)BEGINTCA088TCre, don't have to see a %#long list of 'meaningless' numbers *(scroll by). QUIET placed at the end of *(the list means that none of the account +)numbers will be displayed on YOUR screen 'after you have used the '.S' command.+) If you sputer there are more names). *(In the "Members" list above, the NOSHOW &$and QUIET commands have been used. (&NOSHOW placed in front of the account (&numbers means the recipients will not '%see who else is receiving the letter '%(and, therefoGIN". Type a name for each (&distribution list followed by the ac- (&count numbers using one space between *(each number. Up to 200 account numbers (&can be on each mailing list; type the (&'&' at the beginning of each line (to ,*tell the comSales TCA123 STC602 TCA456 & TCA204$Members Noshow TCU305 CL1965 Quiet (return) (return)->*( Typing 'Enter Mail.Ref' at command '%level tells the system to access the )'system editor. It tells you it's read +)by saying "BE the second is a simple text +)file. Both are created using the system *(Editor. Some examples (again, what you (&type is in upper/lower case; what the !computer types is in all caps):-> Enter Mail.Ref (cr)BEGINBilling TCA089you know how to read and send )'mail. But, let's say you want to send )'messages to a whole bunch of subscrib- +)ers. There are two easy ways to do it. &$The first is a MAIL.REF file, where *(multiple lists can be entered and main- &$tained;you've filed )'in MAIL.UFD, use the MAIL DISPLAY FILE (&command. The computer will then tell *(you how many letters you have filed and &$how many categories, as well as the *(category names. You can then SCan File filename. )' Now plus a filename places your )'letter into the equivalent of a single )'file. Any other letters filed by that (&name are appended to the file. Indi- %#vidual letters cannot be extracted easily from that file.+) To read correspondence 'scanned and read individually and each '%one retains all the options normally available.+) FILE without a category name places &$the letter into the equivalent of a (&miscellaneous category, retaining all options.+) SAVE INedited, retransmitted or downloaded.&$ FILE plus a category name will )'store a letter in an area where it can +)be extracted individually, no matter how +)many other letters you have stored under '%that category. These letters can be )ition after using any )'of these options with the exception of Next or Quit.)' The FILE and SAVE commands listed )'above allow you to retain your corres- )'pondence in file areas of the Source. (&The letters stored there can later be & are created no dif- '%ferently than for your UFD. You can '%"enter" them, "ed", "load" them from )'your Apple or "copy" from your own UFD *(or someone else's sharefiles space. To &$create a SHAREFILES UFD, at command level type:(&-> SHAREFILES (cr) The computer will )'tell you that your sharefiles area has &$been created. Want to check? Type (&"Files" and see what it says. If you +)have a file in your UFD you want to make public, type:&$-> COPY (filename) SFILES>TCA1.The schedule is as follows::The Hanna Bldg., Euclid Avenue, Cleveland, Feb. 5-159The Armory, Mayfair St., Shaker Heights, Feb. 18-28 Town Hall, Toledo, May 5-23=;The scheduling from June 1 through mid-August has not been >Dear Mr. Paterson:?=Just a brief note to confirm the dates and locations of your ;9historical presentations across the state for the coming ?=year. If you have any conflict with the scheduling, please (contact my office as soon as possibleek, CA 94596 (415) 937-8410>------------------------------------------------------------MEMOTO:John PatersonHybrid Historical Society24 Milton StreetFreewater, Ohio 03755 SUBJECT:Historical Displayng lists '%and Sharefiles ALL create files and, (&therefore, add to your storage on the Source. your SFILES, type: +)-> SHAREFILES LIST @@. Your ID will be (&listed with ALL access rights. $REST *(stands for any other user. You are re- *(turned to command level once the infor- mation is displayed.*( REMEMBER! MAIL.UFD, mailiny other user.+) Once you've assigned access rights, *(you might want occasionally to check or *(change those rights. To see the access " rights of a single file, type: *(SHAREFILES LIST (filename). To see the )'rights set for all sing the 'L' or 'LD' command."W - The user can edit this file.+)A - for sub-directories only, a user can delete.ALL - All of the above apply.*(P - for sub-directories only, access is limited.+)NONE - the file is not accessible to a "Enter attributes:" From the list &$following, enter any combination of attributes.*(R - The user can read the contents of a file.*(U - The user can use the file (i.e., he can copy it to his area).(&L - The user can list this file u level type: ASF which moves ,*you to your Sharefiles area. Then type: %#SHAREFILES. The computer will ask +)"Which file(s) or sub-ufd(s) do you want (&to change?" Type your filename and a +)carriage return. The computer will then +)ask: your Sharefiles area are not ready (&for reading or using until you assign )'each one of them Access Rights. These *(rights will enable other users to read, '%use, or even modify (if you desire), !your public files. Here's how:*(At command+)->ASF (cr). This 'attaches' you to that )'area. To see your file, type: 'L' and (&it will be there. To go back to your *(main account, type: 'ALC'. And you're back where you started.+) The files, etc., you've transferred (&to 23>== *((cr). SFILES>TCA123 is your sharefiles '%area. >== will place the file there )'with the original name; you can change &$the name during the copy process by )'typing a new name instead of '=='. To $access your Sharefiles area, type: