8°L2¡†CÉŠ)pJJJJ À…I ÿ„H(ȱHÐ:°©æ=¥IH©[H`…@…H c±H™” ÈÀëÐö¢¼ ½$ ™ò ½+  Êî© …I©† Éù°/…H„`„J„L„N„GÈ„BÈ„F© …a…K  °hæaæaæF¥FÉï­  Ðm©Ð¥Jm# ¨ æK¥KJ°É ðU „J­ )¨±JÙ ÐÛˆö)ðÉ Ð; ±JÉÿÐ3ȱJ…FȱJ…G©…J „K„aÈ„M  °æaæa¤NæN±J…F±L…GJÐçL L? &PRODOS ¥`…D¥a…ElH$?EGvô×ѶK´¬¦+`L¼ ©ŸH©ÿH©¢Lyô Xü ¹P ™®ˆ÷LM ªªª ÕÎÁÂÌÅ ÔÏ ÌÏÁÄ ÐÒÏÄÏÓ ªªª¥S)*+ª½€À©,¢ÊÐýéÐ÷¦+`¥F)É) (*…=¥GJ¥FjJJ…A …Q¥E…'¦+½‰À ¼ æ'æ=æ=° ¼ ¼ˆÀ`¥@ …S©…T¥S…P8åQð°æSÆS8 m ¥P o Ðã „R(8ÆRðΈðõ½ŒÀûôMYM2R.p¶.ã' @%CHP.1CQƒå´; ãå´;%CHP.2JhMÍå´; ãå´ %CHP.5²2waå´; ãå´ %CHP.6ä­¾Vå´; ãå´ %CHP.8‘5†gå´; ãå´ %CHP.9Æ+ Rå´; ãå´ +COMPOUND.DBñ.å´; ãºÚ¥´% )INSURE.DB Jå´; ãºÚ¥´% +NETWORTH.DB!Hå´; ãºÚ¥´& *RECORDS.DB@.å´; ãºÚ¥´& )REMIND.DBP6å´; ãºÚ¥´" DESKTOPf>¾& ¿ã>¾& FINDER.DATAÉhèR.p¾çR.ÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿÿ  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHI  GTÊ$Db7 mBC °M ÃY×`Ð §jŽ 5xJ{äc}îwinkie livesÿ —:* e,{ G( œ}}  dON HELLO, NEW USER! Ifyou'relikeme,youdon'tknowawholelotaboutcomputers--andyoudon'twantto. Youjustwantthethingtowork. Thissoftwarepackageishighlysophisticatedunderthesurfaceinordertomakeitwonderfullysimpleandusefulontop. Basically,it'sabookwithninechapters. Thisisthefirst,andtheonlyoneyoumayneverevenrefertoagain. Alltheotherswillhelpyoudothings,calculatethings,keeptrackofthings,organizethings. Butfirst,alittlebackgroundinformationwillhelpyougetthemostoutofMANAGINGYOURMONEY. PleasepresstheSpaceBar. TO CONTINUE, PRESS THE SPACE BAR. -TO EXIT TO MAIN MENU, PRESS 0 ŠÝ;Œ} (,À;(,À;h}ÿ Mr}ž For help see message 100. dO (,À} TO CONTINUE, PRESS THE SPACE BAR. TO BACK UP, PRESS 9. -TO EXIT TO MAIN MENU, PRESS 0   . . . PAGE `r,} . . .  r,=}¼Thefirstthingyouneedtoknowisthatthereispracticallynowayyoucangumthingsup. Justbecarefulnottobendyourdiskettesorspillcoffeeonthem. Heedthewarningsprintedontheirlittlejackets. Thenextthingyouneedtoknowisthatnomatterwhereyouareintheprogramorwhatyou'reworkingon,wetellyouwhereinthemanualtofindhelp. Justlookforapagenumberdisplayedatthebottomofthescreen. X  r,=}›Tokeepthisintroductorychapterasbriefaspossible,I'veputmuchoftheinformationyou'llneedintheHELPmessagesfoundinthemanual. Evenifyou'reanoldhandwithcomputers,PLEASEvisitalltheHELPmessageseachtimeyouventureintoachapterforthefirsttime. Somewon'ttellyouanythingyouwouldn'texpect,buthereandthereyou'llfindavaluablesuggestionorclarification. ²  r,=}…Twogeneralnotes: Throughouttheprogramwereferto"1"thru"0."ThisisshorthandforOpen-Apple1thruOpen-Apple0. WhileholdingdowntheOpen-Applekey(totheleftoftheSpaceBar)pressthenumberofyourchoice. If0isalongstretchforyou,try€0(Closed-Apple0,totherightoftheSpaceBar). Foryourconvenience,we'llaccepteither. TotheextentyouuseMANAGINGYOURMONEYfortaxorinvestmentrecord-keepingorplanning,orforotherbusinessuses,itscostandthecostofournewsletterandupdateprogramsshouldbedeductible. Checkwithyouraccountantoranup-to-datetaxguidebooktobesure. " r,=}#Nowletmegiveyouaquickrun-throughofthechaptersthatfollow,aswellasafewmorebitsofgeneralbackground. Chapter2istheREMINDERPAD. Enteryourbirthdaylistandforthenext500yearsitwillfaithfullyjogyourmemory. Orjotdownsemi-annual,quarterly,monthlyoronetimereminders,likethedateseachinstallmentofyouroilandgasdealfallsdueoryourintentiontorepurchasesharesyousoldforataxlossassoonasthewash-saleperiodisup--orevenyourdailyappointmentschedule. Notesyoumakeyourselfweremindyouofhere. InChapter7,weautomaticallyremindyouasyoursecuritiesnearlong-termorwhenthey'vemetyourpriceobjectives. ThereareafewothernicefeaturesthatmaketheREMINDERPADhelpfulandeasytouse,asyou'llsee. ô r,=}çAfterjustalittlepracticeyouwillfinditreallyeasytoswingthroughthebranchesofthisprogram. Youwillalsofindthatwe'vedoneourbesttokeepyoufromdoingmake-work. Whenyoufirstbuysharesofastock,forexample,you'llbeaskedquestionsaboutit--itsdividend,whorecommendedit(soyoucantracktheperformanceofdifferentsourcesofideas)andmore. Youneedn'tanswerthemallifyoudon'twantto,butonceyouhave,you'llneverhavetoagain. Anysubsequentpurchasesofthesamestock,foryourownportfoliooryourchildren's,orforthethreehypotheticalonesyoumanageasahobby,willallreflectyouranswers. (Andwhenyouchangeananswerforone,it'schangedforall.) Orwhenyouwritea$50checktoDr. Bob(chapter3),youwon'thavetotellthetaxprogram(chapter4)thatyouhaveanother$50medicaldeduc-tion--itwillknow. Andyouwon'thavetotellnetworth(chapter8)thatyou'refiftybuckspoorer. Itwillknow,too. ŠÝ;Œ}‰#(,r-À;r,>ihjd} #(,r+À;r,iqj(,À;h} -(,r+À;r, )i?'8Sorry, computers are for youngsters only. Try again.,j} Seetheerrormessageatthebottomofthescreen? Wheneveryouenterimpossibledataofsomesort,nothingbadwillhappen. Anerrormessagewillappear,andyou'llhaveasmuchtimeasyouneedtomakeamends. (Butwewon'tbudgeuntilyoudo.) Now, pleasefixit. Enteryourage. Andpress1whenyou'reready. N r,=}ZOccasionallyyou'llhavetotypeinadate. ThecorrectformatisMM/DD/YY(forexample,12/5/85forDecember5,1985),althoughwe'llaccept12.5.85,12.05.85,12-5-85,12x5x85orjustaboutanythingelseyoucomeupwith. Movethecursordownandtypeinyourbirthdate. First name: P ,} Last name: P ,} Your age: ` ,}6,<)i&'Please enter a positive age.,j} Your birth date:   ,} Youcanchangeanythingjustbytypingoverit. Sowhileyou'rehere,whynottypeinseveralmoredates(includingFebruary43rd,andthatsortofthing,toseewhatyoucanandcan'tgetawaywith). Andtrytypingjustthemonthandday(wesupplythecurrentyear)orevenjusttheday. Ifyoutype"3"andpressReturn,wesupplythecurrentmonthandyear. Press1whenyou'reready. é r,=}ÀSometimeswewantyoutoCHOOSEananswer. Movethecursordownto"FinancialStation."Doyouseethechoicesthathaveappearedonthebottomofthescreen? First name: P ,} Last name: P ,} Your age: ` ,}6,<)i&'Please enter a positive age.,j} Your birth date:   ,}  Financial station:  @ ,} Forbes 400 WealthyRich Well OffComfy Getting By Pinched Squeezed Squirming Bereft| Indicateyourchoicebytypinginitsfirstletter. (Sometimesyou'llhavetotypeasecondorevenathirdlettertodistinguishyourchoicefromtheothers.) Try it. Tryitagain. Press1whenyou'reready. We'realmostdone. TypeinYOURSALARYr ,}‘,eÍÍAA)iM'FWow -- a billionaire! But that won't fit, so try something smaller,j3,à±?)i$'You're in serious trouble.,j} andpress Return . Whenenteringmoneyamounts,youneverhavetobotherwithdollarsignsorcommas(althoughwe'llacceptthem). Wesupplyallthatforyou. Trysomemorenumbers. Ifyoulostmoneythisyear,enteranegativenumber,like-2000. "Negative"moneyisalwaysdisplayedwithsurroundingparentheses. Easy,no? ŠÝ;Œ}‰-(,r-À;r, >iyj(,À;q}n(,r+À;r,i( , -š;àj(¸;þÿ}) ,$i—j…}‰'k2;(,r-À;r,=iyj…}ŠÝ;Œ}Œ( ,á)À;( , Àl}ÿ Os:_:OVersion 5.0Andrew Tobias' Managing Your Money                                       ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ "ŸMAIN MENUš O1 Hello, New User 2 Reminder Pad 3 Budget and Checkbook 4 Income Tax Estimator 5 Insurance Planning 6 Financial Calculator 7 Portfolio Manager 8 Your Net Worth 9 Card File 0 Leave MYM R Generate Reports S Scrunch Your Data C Set Configuration JAlwaysreturntotheMAINMENUandpress0beforeremovingyourdisksandshuttingoffyourmachine. Otherwise,youmightforgettosavedatayou'veentered. For help see message 50. -k|;(,(' little©À;r,>idjŒ}‚ƒk;(' Remind.DB,P,, ,$³;(,(' remind©À;r,>i> %,i¿ %,2i %,2i# %,2i@ %,(i( ,š;(  ,š;( ,š; ik—( •:( • + e,{NG,'CMA=i:( ç -,= ( ç-,d-=|i( ,( çšjj}j; ,'Yes= ,(Fç<&i(,Àj (,À; %,(iQ( ,š;(, À;( ,À;( ,À;( ,À; %,I@i- %,2i %,2iPjŒ}ŒU('*_______________________________________,P,, ,³;('š,P,(, ,³;('Ÿ,P,, ,;³;('%š Retrieving . . . .,P,(, ,³;('Ÿ,P,, ,;³;('š,P,(, ,³;('Ÿ,P,, ,;³;('*ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ,P,,,³l;kÑþ;(' Little.DB,P,, ,$³l}ÿ Mr}“ For help see message 100. dO (,À}TO CONTINUE, PRESS 1. TO BACK UP, PRESS 9. -TO EXIT TO MAIN MENU, PRESS 0   . . . PAGE `r,} . . .  r,=}ªOkay. We'realmostdone. MyhopeisthatMANAGINGYOURMONEYwillbeatime-savingtoolthatbecomespartofyourlife--andthatyourlifemaybealittlebetterorganizedandprosperousbecauseofit. Onewaytogetintothehabitofusingitistosetasideanhouraweekforyourfinances. Keepafolderofallthebillsyouhavetopay,andotherfinancialtransactionsyouwishtorecord(checksyouwrotebyhandduringtheweek,bankdepositsyoumade). EverySaturdaymorningturnmeonandcleanoutthefolder. Ittakesalittletimeanddisciplinetogetorganized. Butinthelongrunitwill save  youtime. And,verylikely,moneyaswell.  r,=}rYoumightevenconsiderhiringyourdaughter-the-accounting-majororyourson-the-high-school-math-whiztokeepyourtaxandinvestmentandexpenseaccountrecords. Thatwayyoushiftincomefromyourtaxbrackettohersorhis. Therulesrequirethatyoucontractthisworkoutonabusinesslikebasis,thatyoukeepthepaymentsreasonablefortheworkperformed,andthatyoukeeprecordsofthewagespaid. Childrenunder21areexemptfromSocialSecuritytaxundersuchanarrangementunlessyouareincorporated. Yourtaxadvisorcanhelpyoumeettheserequirements,andalertyouincasethey'vechanged. ž r,=}¹Good-bye,newuser! Remember: ThebottomlineofthescreenwilltellyouwheretofindHELPnomatterwhereyouare. Remember: You can do almost nothing wrong. So don't be afraid to experi- ment (except with archiving! archiving is serious). Ifyoupressawrongkey,yourmachinewillsimplybeepandwaitforyoutopressonethatmakessense. (Rightnow,theonlykeysthatwillactuallydoanythingaretheSpaceBar,9and0. Trypressingsomeothers.) Remember: ChecktheHELPeachtimeyouencounteranewscreen,evenifyou'resureofwhatyou'redoing. Remember: Ifyou'reconfusedorhaveaquestion,theanswermaywellawaityouinyourmanual'sINDEX. ÚAndnotethis: There'salothere. You'vereallypurchasedawholefamilyofprogramsforthepriceofone. Sodon'tfeelyouhavetouseeverythingrightaway;anddon'tbesurprisedifittakesyouafewhourstoexplorethecapabilitiesofMANAGINGYOURMONEY. Aneasyplacetostart,justtogetthefeelofthings,isINSURANCE(Chapter5). Playwithyourlifeexpectancy,determineyourlifeinsuranceneeds,getafeelforcosts--inanhouryou'llbemoreincontrolofyourinsuranceplanning... andhavealotmoreconfidenceinyourabilitytousetheprogram. Thenexploretheotherchapters. Ifyoulike,followthechecklistthatleadsoffPartIIIofyourmanual. Okay! Offyougo. Press0. ŠÝ;Œ}‰G(,r-À;r,>i"r,=i(,Àj;—j(,À;…}%(,r+À;r,}ºPressReturnandwe'lldoit. Itdoesn'ttakelong. PleasedonotusethisdatainanearlierversionofManagingYourMoneyonceit'sbeenthroughconversionandyou'vesavedthechapter. Itmaydestroyyourdata.  Ö( œ; %,|i(r e,'00šj[r e,r e,>|i\(( •+ e¡;(r :e,( •+ e¥;(r e¢;( , +š;( , -šj;(,r-À}; i8(( •+:( • + :e,,, ,,§jj; iÓ—( •+:( • + e,{²G(   :eœ;—  : e,{QG(˜iD(  : e,  :e¥;(  : eœ;( ,'*š;(j};( , š;( ˜,=i( ,(Fç+šj;( ,š;( œ}jj;( ,À;( œ;ú}¯Butwecan'tdoit. There'snotenoughmemoryonthisdisk. You'llneedtomoveremind.dbtoit'sowndisk. PressEnter. We'llre-organizewhenyouhaveit.  2}ÿ  *H  FBeforeyougointoChapter3forthefirsttimewithManagingYourMoneyVersion5.0,wehavetore-organizeyourdata. $Ô,è ,=)i <*,j+>}iPressReturnandwe'lldoit. Itdoesn'ttakelong. PleasedonotusethisdatainanearlierversionofManagingYourMoneyonceit'sbeenthroughconversionandyou'vesavedthechapter. Itmaydestroyyourdata.  ö %,ijTj;(,(,rr+*  e-„À;( ,r +À;r ,  e+ijj;(,r+À; i-(  re,  re(r,  err*-ƒ+šj; i(  re,  rerr*+šj; i"(  re,  re  e+šj; i"(  re,  re  e+šj;(,(,rr+*  e-„À;( ,r +À;r ,  e+i(,r -À;(,r+Àj;(,(r,(  e’,r”À;r,ÿÿ=i(,(r+,,r”-Àj;(,r  e+À;(,(r“(r‘,  >+Àl}¯Butwecan'tdoit. There'snotenoughmemoryonthisdisk. You'llneedtomovebudget.dbtoit'sowndisk. PressEnter. We'llre-organizewhenyouhaveit.  2}ÿ  %,i,— :  +- #e,{G(œ;( "œ}j;( %,(šj; %,2}½PressReturnandwe'lldoit. Itdoesn'ttakelong. PleasedonotusethisdatainanearlierversionofManagingYourMoneyonceit'sbeenthroughconversionandyou'vesavedthechapter. Itmaydestroyyourdata.  Ù %,}æ r,€=}¹We'resorry,butanI/OErrorhasoccurredonthediskyouwereworkingwith. Exitthechapterwithoutsavingandrecoverfrombackups. Onlythissessionsentrieswillbelost. ***SeriousMemoryError***’ r,=}¬!*FILEFULL* We'resorry,but"little.db"doesn'thaveenoughfreememoryforustocarryouttherequestedfunction. Shorteningyournamesmayfreeupmemory. Û r,=}Þ!*DISKFULL* We'resorry,butyourdiskdoesn'thaveenoughfreememoryforustocarryouttherequestedfunction. Moving"little.db"toit'sowndiskwillalleviatethisproblem. (Seepage45inthemanual.)ò r,=} ***MaximumLengthRow***Ç r,=}Ç*MAXIMUMRECORDS* We'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Themaximumnumberofrecordsallowablein"little.db"hasbeenreached. õ r,=}ˆ*FRAGMENTEDDATABASE* We'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Duetouse,"little.db"hasbecomefragmented. Beforeusing"little.db"again,youmustscrunchit. ThisiseasilyaccomplishedbyreturningtotheMainMenuandselecting"S"forScrunchaDatabase. Afterscrunching,feelfreetoresumewhatyouweredoing. bWe'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Press 0 to return to the Main Menu. ŠÝ;Œ}KLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~€‚ƒ„…†‡ˆ‰Š‹ŒŽ‘’“”•–—˜™š›œžŸ ¡¢£¤¥¦§¨©ª«¬­®¯°±xx¡˜±/Ü ;rÿK21Zw¨bÕ}jîkzA ¬†:æ‹aG¢w ¾¯Ö”µc÷º) Æ-winkie livesÿ¬( ,((( ‘,( ’,( “”@&A-,ˆš; ,=i( ,' Sundayšj; ,=i( ,' Mondayšj; ,=i( ,' Tuesdayšj; ,=i( ,' Wednesdayšj; ,=i( ,' Thursdayšj; ,=i( ,' Fridayšj; ,=i( ,' Saturdayšj;( ,( •š;k;( ,( • eÀ;( ,À;( ,'1Starred items have detail. Point and press 2š;( ˜,=i( ,' Summaryšj}   Mr ,}}d O* Reminders for P ,}   ,} * N  ,=},THERE ARE NO REMINDERS FOR THIS DATE Date Message  }  + e e,} ƒ` ,}P ,}P ,}P ,} 5P ,} P ,}  ,>}˜  + e e,} ƒ` ,}P ,}P ,}P ,} 5P ,} P ,}  ,>}  + e e,} ƒ` ,}P ,}P ,}P ,} 5P ,} P ,}  ,>}  + e e,} ƒ` ,}P ,}P ,}P ,} 5P ,} P ,}  ,>}   + e e,} ƒ` ,}P ,}P ,}P ,} 5P ,} P ,}  ,>}ˆ  + e e,} ƒ` ,}P ,}P ,}P ,} 5P ,} P ,}  ,>}  + e e,} ƒ` ,}P ,}P ,}P ,} 5P ,} P ,}  ,>}€  + e e,} ƒ` ,}P ,}P ,}P ,} 5P ,} P ,}  ,>}ü  + e e,} ƒ` ,}P ,}P ,}P ,} 5P ,} P ,}  , >}x   + e e,} ƒ` ,}P ,}P ,}P ,} 5P ,} P ,} IH ‹ Aá),  e=i(¸;þÿj$( ,( , ÷ eÀ;(r ,ž;ÿÿ}Bá),  e=i(¸;þÿj%( ,( ,(  -, „÷ eÀ;ÿÿ} IE Š —rá),  +- e=i(¸;þÿjM( ,(  +,( ,  + -„ƒš;( ,(  +-,  +-ƒ eÀ;ÿÿ}•cá),  +- e=i(¸;þÿj>( ,( ,  + -„š;( , - + eÀ;(r ,ž;ÿÿ}) , >i( , -š;àj(¸;þÿ}1  + -, , =i0( ,'$You can't edit the type of reportšj;( ˜i(¸;þÿj( ,Èš;( ,À;×}„Q( œ;( ,á)À;( , š;( œ;( œ; ,'Appointment Schedule=iÑjÐ} }»ƒ·( ,á)À;á),( •+<á),( • +>|i>( ,'(This function works only on Remindersš;(¸;þÿjS('O, †( ˜,=|i"(  :e¢;( , -šjÞ( ,('A, †i jM('S, †ij9('Q, †ij%('M, †('H, †|ijš; ,=i6( ,('B, †ij('W, †ijšj ( ,š; i(,( ‘ +-øi(, À;('H, †i( ’,?i.(,r-À;r,?i(,r+Àjj;( ’,>r,>&i'r,@i(,r-Àj (,Àjj;(,( “(r /‡+À;( ,((r, ˆ+,r,r”š;( “,=i$( ,((r, ˆ+,,r”-šjjj( ,  +š;(( •+:( • + :e,,,,,§;kŸ;È}…&( ,( ,( •+÷š;( ,À;æ}†&( ,( ,( •+÷š;( ,À;Ü}‡0( ,( ,( •+÷š;( ,À;( ,À;Ò}Š(,À;É}ŒE( ,( •š;( , š;(( •:( • ++ eœ;(( • e,( •š;( ,š;(( • eœ;(( •  e,'8-------------------- APPOINTMENTS -------------------š;(( • eœ; i\—( •+:( • + e,{;G , =i+kA;(( • + e,á)š;( , +šj}j; ,=i( ,šj;(, +À;(( • eœ;(( •  e,'8--------------------- REMINDERS ---------------------š;(( • eœ;(( • + e,( •š;( , +š; ii—( •+:( • + e,{HG  +, A , ?&i+k ;(( • + e,á)š;( , +šj}j; ,r=i( , -šj;(, +À;(( • eœ;(( •  e,'8----------------------- TO-DOs ----------------------š;(( • eœ;(( • + e,( •š;( , +š; ie—( •+:( • + e,{DG  +, A , ?&i'(( • + e,á)š;( , +šj}j; ,r=i( , -šjl;(˜)i ,j'You must enter a datel;( ,  -š; ,=i0( œ;( ,'Tš;( ,'odš;( ,'ayšj6( œ;( ,'daš;( , ,=)i 'y,j'ysšl;( ˜i( ,':šj( œl}ÿ  r,=}” sN* Leaving Chapter 2 * JDecidewhethertosaveyourlatestactivityortoabandonthechangesyoujustmadetoyourChapter2data.  WouldyoulikeustodisplayToday'sRemindersautomaticallythefirsttimeyouusetheprogrameachday? @ ,}YesNo| 1 - Save, then exit 5 - Exit without saving 0 - Don't exit -- go back to Today's Reminders xK Press1ifyouaresureyouwishtoleavewithoutsaving,or0toreturntoToday'sReminders. (¸} r,=}W>rijj;( %,2š;(,À;(' remind¨iÈj}…(,À;É}(,À;Ý;}Š( ,À;È}ÿ$( ˜)i ,j( ,' Printerš} _O Print to: @ ,}Disk Printer Screen| If you select disk, then enter pathname below (P ,} Ready the Printer or Disk and press 1 or press 9 to back up without printing. Press 0 to stop printing once it has begun. 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Ý  New Appointment Line   ,} ‚` ,}:@ ,}00153045|@ ,}ampm|-‚` ,}:@ ,}00153045|@ ,}ampm| 5P  ,} P ,} IH ‹ ;á),( •+=i(¸;þÿj( ,( , ÷À;(r ,ž;ÿÿ}1 , =i(¸;þÿj( ,(  -, „š;ÿÿ} IE Š —G ,  + -Ai(¸;þÿj'( ,(  +,( ,  + -„ƒš;ÿÿ}•Wá),( • +=i(¸;þÿj:( ,( , ƒ-( ,( ,  + -„÷+À;(r ,ž;ÿÿ}) , >i( , -š;àj(¸;þÿ}1  + -, ik5j;(  e¬;(¡;( , +š;( :e, ¥;—( •+:( • + e,{7G , =i'( ,( ,(á),  + -ƒ„š;(j};( :eœ;( ,À;kU;æj (¸;ÿÿ}‚#( ,æš;( ,á)À;( ,À;×} },mWá),( •( œ;k9;( ˜i(¸;ÿÿj( :eœ;( ,À;È}Œý( œ; i<—( •+:( • + e,{Ck;( ˜i (j}jl;( ˜,=i(( ,'You must enter a dateš;j#j;( ˜( ˜+,=iS( ˜( ˜+i?( ,'/Cannot have blank FROM and non-blank TO timeš;jÁjj)j;( ˜,=i( ,'00šj;( ˜,=i k¨;j€j; ,< , >|i k©;j^j;( ˜,=i0( , ,> , <&)i 'am,j'pmšj;(, ,'00=ij- ,'15=ij ,'30=ij-À;( , , =)i ,j <*r+ ,'pm=)i Ð,j+š;( ˜( ˜+,=ij~j;( ˜,=i k‹;jcj;( ˜,=i( ,'00šj; ,< , >|i kl;j!j;( ˜,=i0( , ,> , <&)i 'am,j'pmšj;(, ,'00=ij- ,'15=ij ,'30=ij-À;( , , =)i ,j <*r+ ,'pm=)i Ð,j+š; , i( , -š;àj(¸;þÿ}1  + -, ( ,'cªi*( ,'Invalid pathname--try againšjj;( ˜i(¸;ÿÿj<( ,À;kB;—( •+:( • + e,{ðGr i (já(˜iÖ( ,á)À;(,À; ,'Yes=i[( ,À;—  :e,{G(˜)i( ,â)À,j};r ,@i(,rr -+Àjj;(' ,,P«;( , , «;( ,þÿ,`«;( ˜( ˜|i(':,,P«j(' ,,P«;( ,,P«;( ,,P«;( ˜( ˜|( ˜|( ˜|( ˜|( ˜|i('-,,P«j(' ,,P«;( ,þÿ,`«;( ˜( ˜|i(':,,P«j(' ,,P«;( ,,P«;( ,,P«;(' ,,P«;( ,5,P«; ,'Yes=ikÆjj};r ,=i(,Àj;Õ;ç}‰ ( œ;ç}Œ((Fç, , «;('Appointment List,,P«;(' ,,P«;(',,P«;('&Date Time Message ,,P«l;( ,À;—r :e,{G(˜)i( ,â)À,j};r iT—r :e,{@Gr ,â)Ai2(' ,,P«;(',,P«;(,,P«j}jl}ÿ„( ,( •+ +š;( , øiâ—r ,{˜G( , -÷ e,(Fçi (,((r‘,  e,(r“”ÀjR(r‘,=i#(,( ,  e,(r“-”Àj%(,((r‘-,  e,(r“”À;kl;(r“,=i'(,rÀ;(,((r‘,,(r“”-Àjl}ÿ Os:_:OVersion 5.0Andrew Tobias' Managing Your Money                                       ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ "ŸMAIN MENUš O1 Hello, New User 2 Reminder Pad 3 Budget and Checkbook 4 Income Tax Estimator 5 Insurance Planning 6 Financial Calculator 7 Portfolio Manager 8 Your Net Worth 9 Card File 0 Leave MYM R Generate Reports S Scrunch Your Data C Set Configuration JAlwaysreturntotheMAINMENUandpress0beforeremovingyourdisksandshuttingoffyourmachine. Otherwise,youmightforgettosavedatayou'veentered. For help see message 50. -kb;(,(' little©À;r,>idj}‚ƒk;(' Remind.DB,P,, ,$³;(,(' remind©À;r,>i> %,i¥ %,2i %,2i# %,2i@ %,(i( ,š;(  ,š;( ,š; ik—( •:( • + e,{NG,'CMA=i:( ç -,= ( ç-,d-=|i( ,( çšjj}j; ,'Yes= ,(Fç<&i(,Àj (,À; %,(iQ( ,š;(, À;( ,À;( ,À;( ,À; %,I@i- %,2i %,2iPj}ŒU('*_______________________________________,P,, ,³;('š,P,(, ,³;('Ÿ,P,, ,;³;('%š Retrieving . . . .,P,(, ,³;('Ÿ,P,, ,;³;('š,P,(, ,³;('Ÿ,P,, ,;³;('*ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ,P,,,³l;kÑþ;(' Little.DB,P,, ,$³l}ÿO sO* Memory Error * M r,>}æ r,€=}¹We'resorry,butanI/OErrorhasoccurredonthediskyouwereworkingwith. Exitthechapterwithoutsavingandrecoverfrombackups. Onlythissessionsentrieswillbelost. ***SeriousMemoryError***Ó r,=}Ó!*FILEFULL* We'resorry,but"remind.db"doesn'thaveenoughfreememoryforustocarryouttherequestedfunction. Shorteningremindermemosmayfreeupmemory. Whynotreturnandgiveitatry. õ r,=}3!*DISKFULL* We'resorry,butyourdiskdoesn'thaveenoughfreememoryforustocarryouttherequestedfunction. Moving"remind.db"toit'sowndiskwillalleviatethisproblem. Iftheonlyfileonthediskis"remind.db"maybeyoucanshortenremindermemos. Thiswillfreeupsomespace. · r,=} ***MaximumLengthRow***Œ r,=}$*MAXIMUMRECORDS* We'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Themaximumnumberofrecordsallowablein"remind.db"hasbeenreached. Thesimplestsolutionwouldbetodeleteunneededreminders. Thiswillfreeupsomespace. ] r,=}ˆ*FRAGMENTEDDATABASE* We'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Duetouse,"remind.db"hasbecomefragmented. Beforeusing"remind.db"again,youmustscrunchit. ThisiseasilyaccomplishedbyreturningtotheMainMenuandselecting"S"forScrunchaDatabase. Afterscrunching,feelfreetoresumewhatyouweredoing. ÊWe'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Thesimplestsolutiontothisproblemwouldbetoshortenremindermemosorremoveunneededreminders. Press 0 to exit from Chapter 2 Š(,À;(,À;É}³´µ¶·¸¹º»¼½¾¿ÀÁÂÃÄÅÆÇÈÉÊËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâã  ëö ) )ÀéŽw#Í D.Ã2Ç Š@#­EׄI$ ¨U#ËXFZfwinkie livesÿ  LIFE INSURANCE PLANNING ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ s=s =_ =šœœœœœœœœœœœœœœŸMINI MENUšœœœœœœœœœœœœœœœœŸ <                                                     O1 An Insurance Policy Organizer 2 Your Life Expectancy 3 How Much Life Insurance You Need 4 What It Should Cost You 0 Exit Chapter ‚ ( œ;}ƒ( œ;(  ,&š;&}„&( ,èš;( ?œ;( œ;(  ,ôš;+}D( (,aš;( ),aš;( ,aÀ;( ,aÀ;(3:> eœ;( ?œ;?}Š(,À;õ}ÿ  r,=} sN* Leaving Chapter 5 * JDecidewhethertosaveyourlatestactivityortoabandonthechangesyoujustmadetoyourChapter5data. 1 - Save, then exit 5 - Exit without saving 0 - Don't exit -- go back to the MINI MENU tK Press1ifyouaresureyouwishtoleavewithoutsaving,or0toreturntotheMINIMENU. (¸} r,=}4…(,À;õ}(' insure¨iôj }(,À;Ý; }Š(,À;ô}ÿ  d ON* Your Life Expectancy * NFill in the following information: AGE: 0 ,};,A,_<&)i ,j'Must be between 0 and 94} SEX: @ ,}Male Female| MARRIED?: @ ,}YesNo| DO YOU SMOKE?: @ ,}|CD| OVERALL HEALTH:  @ ,} ExcellentGood AverageFairPoor Terrible| LIFESTYLE: @ ,} Homebody AverageWild| &N&FRAME OF MIND: @ ,}Consistently happyTypical ups and downsLife is the pits| YOU EXERCISE:  @ ,}ReligiouslyFairly oftenOccasionally Who Me?| OCCUPATION: @ ,}No unusual danger High risk| FAMILY LONGEVITY:  @ ,} TerrificUnexceptionalMixedBad| PERCENT OF TIME YOU WEAR SEATBELTS: 0 ,}=,A,d?&)i ,j 'Must be between 0 and 100%}% N  P !,}  ,>}d ,< ,'Yes=&}] You're 0 ,} and you smoke? Are you CRAZY? —d,{G( , +š}} Youroddsofdyingthisyeararelessthan0 ,} in1,000. Yourlifeexpectancyisabout0 ,} moreyearsforatotalof0 ,} years. Evenso,youmayneedlifeinsurance. Toseehowmuch,press2. sO1 -  ,>}Re-Calculate your mortality  ,>}B2 - See how much life insurance you need ‚( !œ;( œ;&}60 - Return to MINI MENU Š ( !œ;ô}{( !œ; ,' Terrible=i jZ( ˜( ˜&( ˜&( ˜&( ˜&( ˜&( ˜&( ˜&( ˜&( ˜&( ˜&iâ( ,š;( ,š; ,'Yes=i( , ø?*šj( , è?*š; ,>i< ,'No=i( , ÍÌÌÌÌÌô?*šj( , ÍÌÌÌÌÌì?*šj; ,' Excellent=i( , è?*šjš ,'Good=i( , 333333ë?*šjt ,' Average=i( , ffffffî?*šjK ,'Fair=i( , ø?*šj% ,'Poor=i( , *šj; ,' Homebody=i( , 333333ë?*šj% ,'Wild=i( , *šj; ,'Consistently happy=i( , ffffffî?*šj7 ,'Life is the pits=i( , ø?*šj; ,'Religiously=i( , š™™™™™é?*šj\ ,'Occasionally=i( , ÍÌÌÌÌÌð?*šj. ,' Who Me?=i( , š™™™™™ñ?*šj; ,' High risk=i( , ø?*šj; ,'Bad=i( , ø?*šj/ ,' Terrific=i( , š™™™™™é?*šj;( , š™™™™™ñ?ü©ñÒMb`? *-*š;( , š; ,à?i,( ,@è? @-*+šj; , @>i,( , @Ð?  @-*+šj; ,'Male=i&( ,(X,  + e*+ƒšj#( ,(X,  + e*+ƒš; ,'Male=i( , + ešj( , + eš; ,idj }‚ƒk;(' Remind.DB,P,, ,$³;(,(' remind©À;r,>i> %,i¥ %,2i %,2i# %,2i@ %,(i( ,š;(  ,š;( ,š; ik—( •:( • + e,{NG,'CMA=i:( ç -,= ( ç-,d-=|i( ,( çšjj}j; ,'Yes= ,(Fç<&i(,Àj (,À; %,(iQ( ,š;(, À;( ,À;( ,À;( ,À; %,I@i- %,2i %,2iPj }ŒU('*_______________________________________,P,, ,³;('š,P,(, ,³;('Ÿ,P,, ,;³;('%š Retrieving . . . .,P,(, ,³;('Ÿ,P,, ,;³;('š,P,(, ,³;('Ÿ,P,, ,;³;('*ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ,P,,,³l;kÑþ;(' Little.DB,P,, ,$³l}ÿ  Ms O* Terrible Health Screen * We wouldn't want to hazard a guess about your odds of dying. Ifyou'rereallyinterriblehealth,youcanstillgetlifeinsurance,butitwillbeveryexpensive. OnecompanythatspecializesinobtainingcoverageforsubstandardrisksistheWarrenEllerAgencyinFarmington,Michigan. *O1 - Back up to re-enter your statistics 60 - Return to MINI MENU  ( œ;}Šô}ÿ  * How Much Life Insurance You Need * NsO&Until the kids ;After the kids &finish college ;finish college Number of years to provide:,ƒ0 ,}Aƒ0 ,}  Estimated annual need:%r ,}:r ,} Estimated Social Security:%r ,}:r ,} The rate of interest your heirs will earn on the money you leave them (after taxes and inflation).B‚0 ,}% A provision for "final expenses."<r ,} Assets (such as group life insurance, savings or investments) your heirs may use as a base.<r ,} A downward adjustment to reflect other assets.<r ,} N ,>}) ,A}šYour heirs would actually be doing quite well just to earn 3% on the money you leave them, after taxes and inflation. But using your assumption,  ,<}AYOU ARE PROVIDING r  -,} MORE THAN YOU NEED. 2YOUR INSURANCE NEEDS COME TO r ,}. sO1 -  ,>}Re-Calculate your insurance needs62 - Look at costs 60 - Return to MINI MENU k^;( , +š;&}‚;kD;( œ; ,|(˜,=|)i&'Age must be between 0 and 94,j} Sex: @ ,}Male Female| Smoke?: @ ,}YesNo| Health:  @ ,} ExcellentGood AverageFairPoor Terrible|  Amount of term life you'd like to buy: r ,}B,è<)i2'+Insurance amount must be at least $1,000,j} NP ?,}  }é (,À}" ,'Poor= ,' Terrible=|}í (,À}Withyourhealth,onlysmallamountsoflifeinsurancemaybeavailabletoyouatnormalrates. Sevenpercentoflifeinsuranceapplicantshavetopayextrabecauseofpoorhealth,and3%arerejectedaltogether. © ,jè@< ,7<&}* (,À}It'smuchmoreeconomicaltobuylifeinsuranceinlargeramounts. Doyouhaveothersmallpoliciesyoucouldcombineintoonebiggerone? Justbesurenottodropanycoverageyounowhave,nomatterhowuneconomical,untilyouhavesecuredtheinsuranceyouneedelsewhere.  ,ñ@A ,jø@<&}— (,À}Becauseratesbecomesocompetitiveat$100,000andbeyond,itmightcostyounomore--orevenless--tobuya$100,000policy.  ,?} (,À}Ordinarily,lifeinsuranceforchildrenisapoorbuy. Bettertospendthesamedollarsbuyingextrainsuranceforthebreadwinner.  ,jø@A}nAlso,youwon'tbeabletobuythismuchinsuranceunlessyoucanshowwhy,atyourage,youneedsomuch. # ,> ,<& ,jAA&}y (,À}Youwon'tbeabletobuythismuchinsuranceunlessyoucanshowwhy,atyourage,youneedsomuch.  ,A>}4 (,À}Thisisbecomingaveryexpensivepurchase! Ifyouareingoodhealth,avoidthoseplansadvertisedonTV("Youcannotbeturneddown.")andshopcarefullyforthebestbuy. Mostcompanieswon'tacceptapplicantsyourageforterminsurance,butwillbepleasedtosellyouwholelife. ( ˆ/‡ˆ*, @}’ (,À}Asapracticalmatter,itwillprobablybeeasiesttobuycoverageinmultiplesof$10,000or,preferably,$25,000or$50,000.  r,=}No comment.... sO1 - For comment about your insurance needs ^( ?œ;( ˜( ˜&( ˜&i( , +š;+j/( ?,'Please fill in everythingš;(¸;ÿÿ}&  ,'Poor@& ,' Terrible@&}m02 - Calculate insurance costs ‚E( ?œ; ,E>i( ,+š;,j#( .,š;( /,š;( ,À;0}9 -   ,&=}"Back up to re-specify needsLook at insurance needs00 - Return to MINI MENU ‰( ?œ;( œ;&}Š ( ?œ;ô} ÿ M°O* Advice after Age 69 * Terminsurancebecomesveryexpensivepasttheageof60or65forthesimplereasonthattheinsurermightactuallyhavetopayoff! Mosttermpoliciesdon'tallowpurchasepast65orrenewalpast69,whichiswhywedon'tshowratesbeyond69. Othersallowrenewalallthewayto100,butataprice. Thesamecompanythatcharged$500for$100,000ofinsurancetoamaleof50chargedhim$3,730at70and$15,175(!)at85. Ordinarily,youwouldn'trenewterminsurancemuchbeyond60unlessyouknewyouwereinpoorhealth,withthepolicyalltoolikelytopayoffinafewyears. Butwithdecentplanning,bythetimeterminsurancedoesbecomeprohibitive,YOUWON'TNEEDIT. Thekidswillbegrown,themortgagepaidoff,andyourassetssubstantial. (SeeChapter6forRetirementPlanning.) IfyouareonewhoCAN'Tsave,thenwholelifemaybeforyou,likethemansays. ButbearinmindthatmanywhobuywholelifepoliciesDROPthemafterjustayearortwo--losingnotjusttheirinsurancecoverage,butagoodchunkofsavings,too. Press 9 to back up ‰ } ÿ .,=}-(( .,š;(  ,š; ,jø@i*(,(, ýÿ /e *è/ 1* 0+„šj'(,(, /e *è/ 1* 0+„š}; /,=i( ), +šj6 /, =i( ),(, +„šj( ),(, +„š;( (, )š}r ,} } ( ,À}  * Life Insurance costs * 7M Annual premiums based on age for r ,} of term insurance: s/O7M7Age Premium  ),F?}0  )  e,} r ,}  )+,F?}â0 )+  e,} r ,}  )+,F?}¨0 )+  e,} r ,}  )+,F?}n0 )+  e,} r ,}  )+,F?}40 )+  e,} r ,}  )+,F?}ú0 )+  e,} r ,}  )+,F?}À0 )+  e,} r ,}  )+,F?}†0 )+  e,} r ,}  )+,F?}L0 )+  e,} r ,}  ) +,F?}0 ) +  e,} r ,}  ) +,F?}Ø0 ) +  e,} r ,}  ) +,F?}ž0 ) +  e,} r ,}  ) +,F?}d0 ) +  e,} r ,}  ) +,F?}*0 ) +  e,} r ,} IH ‹ 9á), (=i(¸;þÿj"( , (À;( ), (š;(r , ž;ÿÿ}1 ), (=i(¸;þÿj( ),( )-, („š;ÿÿ}IE Š —? ),G-Ai(¸;þÿj#( ),( )+,( (,G-„ƒš;ÿÿ}•Cá),FAi(¸;þÿj,( ,FÀ;( ),( (,G-„š;(r , ž;ÿÿ}) ), (>i( ), )-š;àj(¸;þÿ}- )+,F?i( ), )+š;àj(¸;þÿ}s(& /,=}JTheseratesareofferedbySaversLifethroughthriftinstitutionsandbymailandaredecentforrelativelysmallamountsofcoverage. It'sonlywhenyoustartbuyingcoverageof$100,000ormorethatratesgethighlycompetitive. FormoregeneralinformationandtheSaversLife800-number,pleaseseeHELPmessage560. ] /,= /,=|}AFormoregeneralinformation,pleaseseeHELPmessage560.  /, =}XTheselowratesarebasedonareversionarytermpolicy. Theyassumethatyoupassaphysicaleachyear. Ifyourhealthdeteriorates,theratesrisesharply. Toseeasetofratesthatdonotinvolveaphysicalexamforrequalification,press2. Formoregeneralinformation,pleaseseeHELPmessage560. ‚( /,ÿÿš;( .,š;0}£Theseexceptionallylowratesarebasedonareversionarytermpolicythatrequiresyoutorequalifyeverytenyears. Ifyoudon't,theratesgomuchhigher... although,ofcourse,youarefreetoapplyforcheapercoverageelsewhere. Toseeasetofratesthatdonotinvolveaphysicalexamforrequalification,press2. Formoregeneralinformation,pleaseseeHELPmessage560. ‚( /,ÿÿš;( .,š;0}O1 - For information after age 69 9 - Back up to change insurance amount30 - Return to MINI MENU ( ,0š;,}‰ ( œ;+}Šô}ÿ$( @˜)i ,j( @,' Printerš} _O Print to: @ @,}Disk Printer Screen| If you select disk, then enter pathname below (P A,} Ready the Printer or Disk and press 1 or press 9 to back up without printing. Press 0 to stop printing once it has begun. P ?,}Î( ?œ;( ,À; @,' Printer=i('prn:,'aªj¯ @,' Screen=( @˜,=|i( A,'šj8( A˜,=i(( ?,'Please specify a pathnamešj;( ?˜,=i>( A,'cªi*( ?,'Invalid pathname--try againšjj;( ?˜i(¸;ÿÿjÕ(''Insurance Policy Listing Printed: ,,P«;((Fç,, «;('5 Insured Company Face Value ,,P«;(', ,P«;('3Policy # Cash Value Type ,,P«;(', ,P«;('CAgent Loan Outstanding Annual Premium ,,P«; i–— (: (- + e,{yGr i (jj( , ,P«;( ,,P«;( ,,p«;(' ,,P«;(', ,P«;( ,,P«;( ,,p«;( , ,P«;(' ,,P«;(', ,P«;( ,,P«;( ,,p«;( , ,p«;(' ,,P«;( ˜i#( ,,P«;(' ,,P«j;( ˜i#( ,,P«;(' ,,P«j;( ˜i#( ,,P«;(' ,,P«j;(' ,,P«}j;Õ;?}‰ ( ?œ;?}ÿ( !œ}  dOr }(* Add New Insurance Policies * 3* View or Edit Existing Insurance Policies * NInsured:  P 3,} Company: P 4,} Policy #: P 5,} Agent P 6,} Type  @ 7,}HomeCar Whole LifeTerm Health AccidentOther| &N&Face Value: p 8,} Cash Value: p 9,} Annual premium:  r :,} Outstanding Loan Amount:  r ;,} N %Notes AP <,} AP =,} AP >,} N 5P !,} sOr }A1 - Add New Policy $( ( + e¬;( , +š;j5}61 - Save changes and back up (r e¬;( !œ; 9 ;| 7,' Whole Life@&ig( !,'8Only Whole Life policies can have cash value or loansš;r i( , -šj;(¸;ÿÿj}( , 3š;( , 4š;( , 5š;( , 6š;( , 7š;( , 8š;( , 9š;( , :š;( , ;š;( , <š;( , =š;( , >š;?}9 - Back up without doing anything ‰ ( !œ;?}ÿ r i( ),r š;( ,Àj}  Nr ,}}sO* Insurance Policy Organizer * NInsured Company Policy # Type Face Val.  ,=},NO POLICIES HAVE BEEN ENTERED YET.... }¸ P  ) e,} P ,} P ,}  P ,} Šp ,}  ,>}V P )+ e,} P ,} P ,}  P ,} Šp ,}  ,>}ð P )+ e,} P ,} P ,}  P ,} Šp ,}  ,>}Š P )+ e,} P ,} P ,}  P ,} Šp ,}  ,>}$ P )+ e,} P ,} P ,}  P ,} Šp ,}  ,>}¾ P )+ e,} P ,} P ,}  P ,} Šp ,}  ,>}X P )+ e,} P ,} P ,}  P ,} Šp ,}  ,>}ò P )+ e,} P ,} P ,}  P ,} Šp ,}  ,>}Œ P )+ e,} P ,} P ,}  P ,} Šp ,}  , >}& P ) + e,} P ,} P ,}  P ,} Šp ,}  , >}À P ) + e,} P ,} P ,}  P ,} Šp ,}  , >}Z P ) + e,} P ,} P ,}  P ,} Šp ,} IH ‹ Bá),a= ,=|i(¸;þÿj"( , (À;( ), (š;(r ,ž;ÿÿ}1 ), (=i(¸;þÿj( ),( ) -, („š;ÿÿ}IE Š —G ), ( + -Ai(¸;þÿj'( ),( ) +,( (, ( + -„ƒš;ÿÿ}•^á), `+= ,=|i(¸;þÿj:( ,( , ƒ-( ),( (, ( + -„÷+À;(r ,ž;ÿÿ}) ), (>i( ), )-š;àj(¸;þÿ}1 ) + (-,  eœ;:}(You don't have enough memory to add  }ã2 - Update/View Policy pointed to ‚Ã( !œ;á),B=ikj¬á),`, š;:}3 - Delete Policy pointed to ƒ( !œ;á),B=ik2jA}04 - Print Policies as sorted „( !œ;( ,á)À;( , )À;5}05 - Sort Policies by @ B,} InsuredType Company| …ø( !œ; iä B,' Insured=i<(a: -a+ : e,,,,,,,§j” B,'Type=i8(a: `+ : e,,,,,,,§jN B,' Company=i8(a: `+ : e,,,,,,,§jj;ÿÿ}06 - View Insurance Summary †( !œ;( ,á)À;@}00 - Return to MINI MENU ŠL( !œ;( ",š; i.— (: ( +- e,{G( ", "+š}j;ô}Œ)( !,'Point to a policyš;(¸;þÿl}ÿ\(,À;(,À;(,À;(,À;(,À;(,À;(,À;(,À;( ,À;—a:` + e,{ëG,' Whole Life=,'Term=|i8(,r +À;(,r +À;(,r +À;(,r +Àj,'Car=i(,r +Àjq,'Home=i(,r +ÀjR,' Health=i(,r +Àj1,' Accident=i(,r +Àj( ,r +À}}  sIs I* Insurance Policy Summary *  L Policy Type 5Total Premium  Life 2Žpr,}  Car 2Žpr,}  Home 2Žpr,}  Health 2Žpr,}  Accident 2Žpr,}  "Other" 2Žpr ,} Life Insurance Summary  Total coverage: 2Žpr,}  Total cash value: 2Žpr,}  Total loans outstanding: 2Žpr,} L9 - Back up to Insurance Policy Organizer ‰?}ÿ _ OM Please verify your decision to delete this policy.  P ,} P ,} P ,} Press 1 to proceed with this deletion or press 9 to back up without doing anything. já),`>i6(¢;( , -š;( ),( ),( (, ( + -„ƒšj'á), a+=i( ,á)-Àj ( ,á)À;?}‰?}ÿO sO * Memory Error * M r,>}æ r,€=}¹We'resorry,butanI/OErrorhasoccurredonthediskyouwereworkingwith. Exitthechapterwithoutsavingandrecoverfrombackups. Onlythissessionsentrieswillbelost. ***SeriousMemoryError*** r,=}¸!*FILEFULL* We'resorry,but"insure.db"doesn'thaveenoughfreememoryforustocarryouttherequestedfunction. Shorteningpolicynamesandmemosmayfreeupmemory. D r,=}X!*DISKFULL* We'resorry,butyourdiskdoesn'thaveenoughfreememoryforustocarryouttherequestedfunction. Moving"insure.db"toit'sowndiskwillalleviatethisproblem. (Seepage45inthemanual.)Iftheonlyfileonthediskis"insure.db"maybeyoucanshortenpolicynamesandmemos. Thiswillfreeupsomespace. á r,=} ***MaximumLengthRow***¶ r,=}-*MAXIMUMRECORDS* We'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Themaximumnumberofrecordsallowablein"insure.db"hasbeenreached. Thesimplestsolutionwouldbetoremoveunneededinsurancepolicies. Thiswillfreeupsomespace. ~ r,=}ˆ*FRAGMENTEDDATABASE* We'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Duetouse,"insure.db"hasbecomefragmented. Beforeusing"insure.db"again,youmustscrunchit. ThisiseasilyaccomplishedbyreturningtotheMainMenuandselecting"S"forScrunchaDatabase. Afterscrunching,feelfreetoresumewhatyouweredoing. ëWe'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Thesimplestsolutiontothisproblemwouldbetoshortenpolicynamesandmemosorremoveunneededpolicies. Thisfreeupsomespace. Press 0 to return to LIFE INSURANCE PLANNING Mini Menu. Šô}åæçèéêëìíîïðñòóôõö÷øùúûüýþÿ  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~€‚ƒ„…†‡ˆ‰Š‹ŒŽ§§ê‘ýŽ³A!™ Ú+) 70 3@¡ ÔIg ;Tñ,ZÎ úc7 1mZ‹s·B„«í–ŒyŸÑ Jª&p°¯·ÆåÆ ñÖ à™™ø ­,…±(¢S*~ Ñ3`O^winkie livesÿ ( ,(eçš} FINANCIAL CALCULATOR ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ _=šœœœœœœœœœœœœœœœŸMINI MENUšœœœœœœœœœœœœœœœŸ <                                                       =1 Compound Calculations 2 Retirement Planning/IRA Decisions 3 College Planning 4 Investment Analysis 5 Rental Property Analysis 6 Refinancing Mortgages 7 Buy/Lease/Rent Comparison 8 Inflator/Deflator 9 Loan Analysis 0 Exit Chapter ]}‚*( ,(,(Sç„š;( ,(,(Xç„š;l}ƒž}„/(,( •+À;(,rÀ;( œ;( œ;kQ;”}…¨}† ( œ;Š}‡€}ˆb}‰ ( œ;­}Š(,À;Y}Œ( ,À;( ,Àl}ÿ r,=} sN* Leaving Chapter 6 * JDecidewhethertosaveyourlatestactivityortoabandonthechangesyoujustmadetoyourChapter6data. 1 - Save, then exit 5 - Exit without saving 0 - Don't exit -- go back to the MINI MENU tK Press1ifyouaresureyouwishtoleavewithoutsaving,or0toreturntotheMINIMENU. (¸} r,=}6…(,À;Y}(' compound¨iXjn}(,À;Ý;n}Š(,À;X}ÿ ( œ}  s Os''sO* Compound Calculations * & COMPOUND INTEREST PRESENT VALUE: r ,},<)i k,j}  @ ,}DAILY WEEKLY MONTHLY QUARTERLY YEARLY| ADDITION:  r ,} ANNUAL YIELD: 3 ,},<)i k…,j}% NUMBER OF YEARS: 4 ,}(˜,?&)i kT,j} FUTURE VALUE: r ,},<)i k ,j} P ,}  P ,} P ,} & CURRENT YIELD & YIELD TO MATURITY CURRENT PRICE: r ,}(˜,?&)i kŠ,j} COUPON RATE: 3 ,},<)i kB,j}% PURCHASE DATE:   ,}E( ˜, A&)i/'(Purchase date must be before Maturity,j} MATURITY DATE:   ,}D( ˜, ?&)i.''Maturity date must be after Purchase,j} P ,}‰3 ,}P ( ˜,=)i '%,j' ,} P  ,}3 ,}P ,}))N2LOANS AND ANNUITIES AMOUNT OF LOAN: r ,}(˜,?&)i kÀ,j} INTEREST RATE: 3 ,}(˜,<&)i kp,j}% TOTAL NUMBER OF PAYMENTS: 0 ,}G,(‡@)i'WHOLE NUMBERS ONLY,j(˜,<&)i k,j}  @  ,} MONTHLY QUARTERLYSEMI-ANNUAL ANNUAL| PAYMENT:  r ,},<)i k¢,j} )P ,}  P ,} P  ,} )N 0INTEREST RATE vs. YIELD 3Daily Compounding ANNUAL INTEREST RATE: 3 ,}(˜,?&)i k÷,j}% EFFECTIVE ANNUAL YIELD: 3  ,}(˜,?&)i k­,j}% )P ,} P ,} )P  ,} N1 - Calculate the quadrant pointed to 2 - Clear all slates 50 - Return to MINI MENU O"( :eœ;(  œ;( œ;k8}ç k.;á),=i·(  ˜,=i*( ,'Must select type of paymentšj0( ˜( ˜+( ˜+( ˜+,@i( ,k¢šj;( ˜,=i@  ,' ANNUAL=i0(,À;(  ,'yearš;( ,' annuallyšj¾  ,'SEMI-ANNUAL=i5(,À;(  ,'semiš;( ,'semi-annuallyšjt  ,' QUARTERLY=i4(,À;(  ,' quarterš;( ,' quarterlyšj-(, À;(  ,'monthš;( ,' monthlyš;(, d/r/À; ,=iH( ,š;r,=i( ,  *šj!( , r/r+ ^/-*šjÞ ,=iå , r*?i!( ,'Payment is too lowšjµ( ,š;r,=i( ,  /šj#( ,( Ž(  r*-Ž-(r+Ž/š; ,( ‡ü©ñÒMb@?+>iU( ,( ‡+š;r,=i( ,  /šj(( , r*r+ ^*r+ ^-/šjjð ,=iO( ,š;r,=i( ,  /šj(( , r*r+ ^*r+ ^-/šj˜( ,š; ,  *=i( ,šjs ,  *>i4( œ;( ,'"Requires negative interest ratešj2( ,  * -* / +/š;(,À;( , -š;(,hUMuÿ>r/À;(,  + ^-* /À;(, r+ ^-* /À;(,r+À;(rr-Œ,(r -Œ>i( ,rš;jšÿj;(, r-À;(,rr-r+/r*r*À;( , r-š;(rŒ,r>r,<&ijJÿj;( , -š;( ,(, d*r*„šjj;á),=ig( ˜( ˜+( ˜+( ˜+( ˜+,@i( ,k šj; ,=i( ,íµ ÷Æ°>šj;( ˜,=iþ ,'DAILY=i(,Ôv@Àjz ,' WEEKLY=i(,4Àj\ ,' MONTHLY=i(, Àj= ,' QUARTERLY=i(,Àj( ,' YEARLYš;(,À;( , d/+r/^-š;(, r*À;( ˜,=it( ,š; i0( ,   +r^- /*- +r^/šj( , r *-š; ,i4( œ;( ,'"Would require negative interestšj( , /À;(,r/À;( ,q= ×£pñ?À;(, r r^-/À;( , r+ r+/r ^À;(, r r^-/À;( , r+ r+/r ^À;(r r -Œ,(r r -Œ>i( ,r À;jÿj;(,r r -À;( ,r rr -r +/r*r*-À;(r r -Œ,ñh㈵øô>>ijFÿj;( ,r -d*šjjj;á),=i¯( ˜( ˜+( ˜+( ˜+,@i"( ,'Must enter ALL FOURšjm , ?i(  ,k]šjV(  ,kQš; ,=i<( ,š;( ,dd /Ôv@  -/^-*š;( œjá( ,š;( ,'CURRENT YIELDš;(,  *À;(,  -*Ôv@/À;(,  */À;(,ñh㈵øä>À;(,äNé`ýÿ@À;(,rr/r+r-^-*èr+r-^*+À;r,ri!( ,š;( ,' >= 1000%šj“(,rr+/À;(,rr/r+r-^-*èr+r-^*+À;(rr-Œ,{®Gáz„?iU'OSorry, we can't tell what will happen past 1988. Perhaps you can tell us...jl;,>)i ,j"'Must enter a positive numberl;,œÿ?)i$'Must be greater than -100%,jl}ÿ  sO* Retirement Planning * M#Present Est. Annual Estimated #Balance Contribution Annual Yield Taxable Savings:  r ,}kb } Šr ,}kH } 3 ,}k* }% Other Taxables:  r ,}kþ} Šr  ,}kä} 3  ,}kÆ}% Pension Plan(s) at work: r ,}k“} Šr ,}ky} 3 ,}k[}% IRA/Keogh Portfolios:  r ,}k*} Šr ,}k} 3 ,}kò}% Other IRA accts:  r ,}kÆ} Šr ,}k¬} 3 ,}kŽ}% Other Keogh accts:  r ,}k`} Šr ,}kF} 3 ,}k(}% Savings Bonds/SPDA's:  r ,}k÷} Šr ,}kÝ} 3 ,}k¿}% Municipal Bonds:  r ,}k“} Šr ,}ky} 3 ,}k[}% MProportion of `Other Taxables' Yield to be Taxed as Long Term: 1 ,}kU}% Your Age: 1 ,}k} -Age at Withdrawal: 1 ,}kÖ} Assumed Rate of Inflation: 1 ,}!,œÿ?)i' Too low,j}% -Your Tax Bracket: 0 ,}k‹}%   }”Outpacinginflationbyeven3%istough. Youryieldsoutpaceitbymorethan5%. Goodluck,butifyouwishtochangeyourentries,dosonow.  P ,} sOO1 - Calculate assets available at retirement33 - Clear the upper slates 2 - Is a retirement-plan contribution wise? 30 - Return to MINI MENU ‚( œ;(  œ;o}ƒ0( œ;( : :eœ;( :  eœ;l}w( œ; , |)i'Must be 0-100%,jl}ÿ Os:_:OVersion 5.0Andrew Tobias' Managing Your Money                                       ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ "ŸMAIN MENUš O1 Hello, New User 2 Reminder Pad 3 Budget and Checkbook 4 Income Tax Estimator 5 Insurance Planning 6 Financial Calculator 7 Portfolio Manager 8 Your Net Worth 9 Card File 0 Leave MYM R Generate Reports S Scrunch Your Data C Set Configuration JAlwaysreturntotheMAINMENUandpress0beforeremovingyourdisksandshuttingoffyourmachine. Otherwise,youmightforgettosavedatayou'veentered. For help see message 50. -kb;(,(' little©À;r,>idjn}‚ƒk;(' Remind.DB,P,, ,$³;(,(' remind©À;r,>i> %,i¥ %,2i %,2i# %,2i@ %,(i( ,š;(  ,š;( ,š; ik—( •:( • + e,{NG,'CMA=i:( ç -,= ( ç-,d-=|i( ,( çšjj}j; ,'Yes= ,(Fç<&i(,Àj (,À; %,(iQ( ,š;(, À;( ,À;( ,À;( ,À; %,I@i- %,2i %,2iPjn}ŒU('*_______________________________________,P,, ,³;('š,P,(, ,³;('Ÿ,P,, ,;³;('%š Retrieving . . . .,P,(, ,³;('Ÿ,P,, ,;³;('š,P,(, ,³;('Ÿ,P,, ,;³;('*ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ,P,,,³l;kÑþ;(' Little.DB,P,, ,$³l}ÿ  * IRA Decision Planning * d OMDoyouneedretirementplanlikeanIRA,Keogh,401KoraDeferredAnnuity? MWhat is your current tax bracket? 1 ,}kÝ}% What will it be when you begin withdrawals? 1 ,}k˜}% What penalty will there be for early withdrawals? 1 ,}kM}% How old must you be at withdrawal to avoid it? 1 ,}k;} Will the penalty itself be deductible? @ ,}YesNo| How much are you thinking of investing?  r ,}k¼} What portion of that will be deductible? 1 ,}k¬}% What will it earn over the years? 1 ,}k }% What could it earn after tax outside the shelter of such a plan? 1 ,}k²}% Your age now: ` ,}kÁ} Age at withdrawal: ` ,}k} r }]MTher ,} youarethinkingofcontributingtoanIRA-typeinvestmentthisyearwould  , <}"grow  , <}" tor  ,} afteralltaxesandpenaltiesbyage1 ,}. Thatcompareswithr  ,} investingoutsidetheshelterofsuchaplan.   ,  A}iUnderyourscenario,there'sobviouslynopointtyingyourmoneyupinatax-shelteredinvestment. x"  ,  è+>   /,ô?A|}SYoushouldthereforeseriouslyconsiderinvestinginthistax-shelteredplan. Press4toseedetails. 14 - Print year-by-year report „p}P ,} ( ˜}( œ;(¸}OsO1 - Perform calculations 9 - Return to Retirement Planning10 - Return to MINI MENU &k7;( ˜iojk;( ,À;o}‰l}ŠX}Œ¶( ˜,=( ˜,=|( ˜,=|( ˜,=|( ˜,=|( ˜,=|( ˜,=|( ˜,=|( ˜,=|( ˜,=|( ˜,=|i)( ,'Please fill in ALL fields.šj@ , |)i'Enter between 0-100%,jl;(˜,?&)i'Must be positive,jl;(˜,<&)i'Must be 0 or greater,jl}ÿ $(  ˜)i ,j(  ,' Printerš}  _O Print to: @  ,}Disk Printer Screen| If you select disk, then enter pathname below (P  ,} Ready the Printer or Disk and press 1 or press 9 to back up without printing. Press 0 to stop printing once it has begun. P ,}( œ}(k";( ˜i(¸;ÿÿjk;( œ;o}‰o}ŒkÅ;k];( , À;( ,À;(, rr-*-*À;—( -+‡,{ÿGr i (jðk¨;(r ,,`«;(r,öÿ,`«;(',,P«;(r,÷ÿ,`«;(',,P«;(r ,÷ÿ,`«;(',,P«;(  ,öÿ,`«;('|,,P«;(',,P«;(  ,öÿ,`«;(',,P«;('|,,P«;(   -,øÿ,`«;(' ,,P«;( ,r +À};r ,=iú(' ,,P«;(' ,,P«;(' ,,P«;('We assume a tax bracket of ,,P«;( ,,1«;(',% until the final year, when it will be ,,P«;( ,,1«;('K%. In actuality, you'd likely not withdraw the money in a lump, unless ,,P«;('Ifavorable income averaging rules had been enacted; you'd withdraw it ,,P«;('Lpartially, allowing the rest to continue to build sheltered from tax -- ,,P«;('5which is yet another advantage of these plans. ,,P«j;Õ;r i( ,Àjl;(', ,P«;('UNDER SHELTER OF PLAN,,P«;(', ,P«;('|,,P«;(',,P«;('WITHOUT SHELTER,,P«;(',,P«;('| ,,P«;(',.,P«;('|,,P«;(',,P«;('| BENEFIT ,,P«;(',,P«;(' SHELTERED,,P«;('- - - IF WITHDRAWN - - -,,P«;('|,,P«;(',,P«;(' NET CASH, ,P«;(',,P«;(' | FROM ,,P«;('AGE,,P«;(' BALANCE , ,P«;(' TAX , ,P«;(' PENALTY , ,P«;(' NET CASH, ,P«;('|,,P«;(',,P«;(' AFTER TAX, ,P«;(',,P«;(' | PLAN ,,P«;—N,{G('-,,P«};(' ,,P«l;(,r -À;(,rr+r^*À;( ,r , <)ir,jrÀ;( ,r , =)i ,j rr-r *À;(, r*r *r +À;(,rr- *d/ r* *d/+À;( ,r , <)i%r ,'Yes=)i rr *,j-,jÀ;(  ,rr-r -š;(  , r-*r+r^*šl;  ,' Printer=i('prn:,'aªj¯  ,' Screen=(  ˜,=|i(  ,'šj8(  ˜,=i(( ,'Please specify a pathnamešj;( ˜,=i>(  ,'cªi*( ,'Invalid pathname--try againšjjl;('"IRA Decision Report Printed: ,,P«;((Fç,, «;(' ,,P«l}ÿ  s OsOO* Assets Available at Your Retirement * NHERE'S HOW YOUR ASSETS WOULD LOOK: 2Adjusted for #AT 1 ,}11 ,}% Inflation Taxable Savings: p ,} p  /,} Other Taxables: p  ,} p  /,} Pension Plan(s) at work: p ,} p  /,} IRA/Keogh Portfolios: p ,} p  /,} Other IRA accts: p ,} p  /,} Other Keogh accts: p ,} p  /,} Savings Bonds/SPDA's: p ,} p  /,} Municipal Bonds: p ,} p  /,} TOTAL AVAILABLE: p  ,} p  ,}   | |}OBytakingadvantageofanIRA/Keogh,youputawayp  ,} thatwouldhaveotherwisegoneintaxes,andyoursavingsgrewfreeoftax. Thep  + +,} youaccumulated,althoughtaxableasyouwithdrawit,compareswithp  + +,} youwouldhaveaccumulated(aftertax)otherwise.  ,ÀM@<}s}xâ),<&i(  ,  +šjl;(,r,6tr*>)iìQ¸…ëÑ?,j 333333Ã?Àl}ÿ  sOsOON* Annual Income After Retirement: age 1 ,} to 1  +-,} *   +,U>}ÞNOTE: Youneedn'tbeginwithdrawalsfromyourretirementplan(s)untilage70.5,butonceyoubegin,thetimeoverwhichyoumayspreadwithdrawalsdependsonyourlifeexpectancy. Seeyouraccountantfordetails. Assumingyourmoneycontinuedtoappreciate,ifyouwithdrewitallover0  ,} years,yourpre-taxincomewouldbep  ,} ayear(plusSocialSecurity--seeHELP). Becauseofinflation,thatwouldequalaboutp  /,} intoday'sdollarsinthefirstyear,and--withinflation'scontinuederosion--p#   d/+ -  +-^/,} inthelastyear. (Tokeepyourbuyingpowerconstant,youcouldwithdrawfewerdollarsatfirst,tohavemorelateron.) It'stoughtosaywhattaxbracketswilllooklikeinthefuture. Butiftheyareadjustedtokeeppacewithinflation,thenyourswouldbeabout0  d*,}%. Thus,atage1 ,},yourannualincomeaftertaxwouldbep ,},orp  /,} intoday'sdollars. Byage1  +-,},yourafter-taxincomewouldbep ,} (you'reinthe0  d*,}%bracketnow),orp  /,} intoday'sdollars(inflationrageson). 1 - Back up to previous screen to alter number of years for withdrawal 9 - Back up to Retirement Planning scenario 50 - Return to MINI MENU q}‰l}ŠX}ÿ  *O* O*O* Buy, Lease, Rent Comparison * M% BUY Purchase Price:  p +,}k} Depreciable Portion:  p /,}kƒ} *Depreciate over 0 .,}kZ} years 1st Mortgage: Amount  p ,,}k'} Rate 3 ,,}k }% Type  @ ,,}Interest OnlyPrincipal and Interest| Term 0 ,,}k} years 2nd Mortgage: Amount  p -,}k}} Rate 3 -,}ka}% Type  @ -,}|AB| Term 0 -,}kü} years Points on 1st mortgage: 1 , ,}k:} on 2nd mortgage: 1 - ,}k} Maintenance: Initial Fix-up p +,}k–} &Monthly p /,}ku} 6Annual Inflation 1 . ,}kp}% Prop.Tax: Mill Rate ($/1000) 2 .,}k‡} &Assessed 0 .,}k5}% 6Annual Inflation 1 .,}kè}%  Is interest deductible? @ . ,}YesNo| Maintenance? @ . ,}|CD| Property Tax? @ . ,}|CD|  " LEASE/RENT  Monthly Amount: Šr 0,}kÞ}  *Annual Inflation: †c 0,}k'}%  Deductible Portion: ƒ` 0,}k÷}%  *Initial Expenses: Šr 0,}k„}  Lease's Purchase Price: r *,}kS}  *Security Deposit: Šr ),}k(}  ENTER ALL OF THE FOLLOWING Discount rate: c *,}k}% *Market Resale Value: r ),}k¬} Tax bracket: ` ,}kÉ}% *Analysis Term: ƒ` +,}k*} years sO i+( ,'Your mortgages are too largešjÛ ,( ,˜,=( ,˜,=|& -( -˜,=( -˜,=|&|)i+( ,'Mortgage requires type, termšj{ /, +>i1( ,'%Cannot depreciate > purchase pricešjA / .,=&i1( ,'%Must have # years for depreciationšj( 0˜,=i7( ,'+Must enter monthly amount for rent/leasešjÁ( *˜,=( ˜,=|i<( ,'0Must enter BOTH discount rate and tax bracketšjo( )˜,=i-( ,'!Must enter market resale valuešj7 +,=i)( ,'Must enter number of yearsšj;( ˜i(¸;ÿÿj( ., )š;…}‚ ( œ;():0 : eœ;€}Š ( œ;X}ŒÜ(˜,?&)i'Must be positive,jl;,<)i'No negatives,jl;,œÿ<)i' Too low,jl;,<,d>|)i'Must be 0-100%,jl;,<,èA|)i'Range is 0 to 999.99,jl}ÿî(, d/ 0*d/À;(,r-À;(, 0d/À;(, *d/À;(, 0r*À;(, 0*r*À;( *,rr 0,=)i +,jr+ +^-r/*+š;( *, *š;( *,rr 0, *=)i +,jr+r+/ +^-rr-/*+š;( *, *š;( *, *(, ) )r+ +^/-ø+š;( *, *r+š;( *, *(, * )-ø+š;( *, *r *d/+ +^/+š;(, d/À;(,r-À;( . ˜)i ,j( . ,'Yesš;( . ˜)i ,j( . ,'Yesš;( . ˜)i ,j( . ,'Yesš;( +,š;( *,š;—,:- e,{dG( ,  *š;( , °/š;( , d/ *š; i+(,( , +ƒÀ;( ,'I†i¸( ,  *š;(, . ,'Yes=)ir,jÀ;(, *r*r*À;( +, +r+š;ri.( *, * *r*r+/r^-*r/+šj( *, *r+š;( +, + +š;( *, * r+ +^/+šjT i²( ,  * + ^* + ^-/š;(, . ,'Yes=)ir,jÀ; , +>iA(,  + r*^*  + r*^-* /-À;(,rÀj (,À;(, *r*r *r* r--*-À;( +, +r+š;ri—( *, * *r+/r^-*r/+r *r/r+r^/-* + ^-   /-* + r*^r+r^/-* + ^r+-/-*-šj( *, *r+š; , +>i)( +, +r+š;( *, *rr+ +^/+šjjž( ,  /š;(, * *À;( +, +r+š;ri`( *, * *r+/r^-*r/+š; , +>i(( *, * r- * *r+ +^/+šjj( *, *r+šj};( /, +š;(, + . . ,'Yes=&)ir,j* ++ . ,'Yes=)ir,j , - +*+ ,- --À;( +, +r+š;( *, *r+š;(, .d/À;(, . ,'Yes=)ir,j + .+/* .*è/ .*d/À;( +, +rr,=)i +,jr+ +^-r/*+š;( *, *rr,r=)i +,jr+r+/ +^-rr-/*+š;(, . . ,'Yes=&)ir,j * /*À;( +, +r . ,=)i +,j . d/+ +^- . /d**+š;( *, *r . , *=)i +,j' . d/+r+/ +^-r . d/-/*+š; .i{(, / ./À;(,( ., +ƒÀ;( +, +rr*r*-š;( *, *rr*r,=)ir,jr+/r^-r/*-š;( /, +rr*-šj;(, .r(, . /-„*d/-*+À;( +, +r-š;( *, *rr+ +^/-š}  * Buy,Lease,Rent Calculations * sL5Total Net Cost in Total Net Cost6Today's Dollars  Buy r +,} 3r *,}  Lease r *,} 3r *,}  Rent r *,} 3r *,} 9 - Back up for a new scenario50 - Return to MINI MENU ‰€}ŠX}ÿ  * Refinancing a Mortgage * sOM Current Financing 1Suggested Refinancing Principal remaining  r 1,}k§} ,Principal @ r 2,}k} Interest Rate c 1,}kX}% ,Interest Rate @c 2,}k-}% Payments remaining ` 1,}kü} ,Payments due @` 2,}kÓ} Payments/year ` 1,}kª} ,Payments/year @` 2,}k€} ,Points @b 2,}k } ,Other Closing Costs  r 2,}kÜ}  ,Prepay Penalty @ r 1,}k²}  Interest and points are @ 1 ,} deductiblenot deductible|  Points are deductible @ 1 ,} when paidover life of mortgage|  Sell the property? @ 2 ,}YesNo|. (If yes, sell after ` 2 ,}kÀ} years.) Your current or projected tax bracket ` ,}kœ}% What is the after tax return you expect to earn on your money? c *,}kA}%  |)i'Must be 0-100%,jl;,?)i'Must be positive,jl}ÿ( 5, 1š;( 5, 1š;( 5, 1š;( 5, 2 ,'yes=)i ,jš;( 5, 1š;( 5,š;( 5,š;( 5,š;k% ;( 1, 5 š;(, 5 À}( 5, 2š;( 5, 2š;( 5, 2š;( 5, 2š;( 5, 1š;( 5, 2š;( 5, 2š;( 5, 2 ,'yes=)i ,jš;k¡ ;( 2, 5 š;(, 5 À} * Refinancing a Mortgage * *OL 2 ,'yes=}'By the time you sell, after ` 2 ,} year 2 ,@}s, you'llhavepaiddownrr,} underyourcurrentfinancing,orrr,} undertheproposedrefinancing. Thesefigures,discountedbacktotoday'sdollars,aretakenintoaccountinthefollowinganalysis.  1, 2=}ãOverthelifeofyourcurrentfinancing,thetotalyou'dbepayingtoownyourhomeaftertaxesanddiscountedbacktotoday'sdollars,wouldber 1,}. Ifyourefinanced,thecostwouldber 2,}. (d 1*‡(d 2*‡-,>}jAftertaxconsiderations,refinancingwouldthussaveyour 1 2-,} (intoday'sdollars). ‡(d 2*‡(d 1*‡-,>}BAreyousureyouwanttospendtheextrar 2 1-,}? )(d 1*‡,(d 2*‡=}Whybother?  2, 1<}Bytakingoutasmallerloan,youareineffectspendinganextrar 1 2-,} upfront,intoday'sdollars,topaydownyourbalance. ?(,('n, 1 †idj d - 2* *d*-À,ü©ñÒMbP?-<}Sincetheafter-taxinterestrateonthenewmortgageislowerthanyourassumeddiscountrate--meaningthatyoucanborrowmoneyforlessthanyouthinkit'sworth--itmightmakesensenottopaydowntheloan. (Ortorethinkyourdiscountrate.)îr,ü©ñÒMb`?>}ÛSincetheafter-taxinterestrateonthenewmortgageishigherthanyourassumeddiscountrate--meaningthatitcostsyoumoretoborrowmoneythanyouthinkit'sworth--youarewisetobepayingdowntheloan. Overthelifeofyourcurrentfinancing,thetotalyou'dbepayingtoownyourhome,aftertaxesanddiscountedbacktotoday'sdollars,wouldber 1,}. Ifyourefinanced,thecostwouldber 2,}. Thisincludesasaninitialcostofrefinancingyourimmediater 1 2-,} cashoutflowforreducingthesizeofyourdebt. So,refinancing(d 1*‡(d 2*‡-,Ð>}'isdefinitelyworthconsidering. ›(d 2*‡(d 1*‡-,>}makesnosense. imakessenseintheory--butisitworthyourtime? Shouldyouwaitawhileinhopeofalowerrate?  2, 1>}¦(, 2 1-À}( 5, 1š;( 5, 2š;( 5, 2š;( 5, 2š;( 5, 1š;( 5, 2š;( 5, 2š;( 5, 2 ,'yes=)i ,jš;k”;( , 5 À;(, 5 À}c( 5,rš;( 5,š;( 5,š;kZ;(, 5 r- 5)ir 5 + 5^/,j+À;(, 5 À;( 2,r r+š}Overthelifeofyourcurrentfinancing,thetotalyou'dbepayingtoownyourhomeaftertaxesanddiscountedbacktotoday'sdollars,wouldber 1,}. Ifyourefinanced: lookingfirstatjustther 1,} yourcurrentmortgagecovers: you'dbepayingrr ,}. So,withrespecttojusttheamountofyourcurrentmortgage,it r , 1<}mightmake makesnosensetorefinance. Ontheadditionalrr,},whichyou'llhaveinyourpocket,you'llbe r,<} making losingr(rŒ,}. Combiningthiswiththeimpactofthefirstr 1,},youroverall 2, 1?} profitlossonrefinancingwouldber ( 2 1-Œ,}. O9 - Back up for a new scenario50 - Return to MINI MENU ‰( 1,š;( 2,š;Š}ŠX} Œ%( 5, 2 5*š; 2 ,'yes@i( 5, 5šj( 5,( 5, 5ƒš;( 5 , *d/ 5/š;( 5 , 5d/ 5/š;(,('n, 1 †)i ,j d/À;( 5 , 5 5* 5 + 5^* 5 + 5^-/š; 5 , 5 @ 5 ,@&i\( 5 , 5 r-* 5 + 5-^- 5 /*r 5 5 5*-* 5 + 5 +/ 5^-* 5 5 -/+šj;( 5 5 -Œ,-Cëâ6?}À`r+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} rr+ e,}  ,>}`r+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} rr+ e,}  ,>}|`r+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} rr+ e,}  ,>}Ú`r+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} rr+ e,}  ,>}8`r+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} rr+ e,}  ,>}–`r+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} Žrr+ e,} rr+ e,} ý* Investment Analysis Summary *  7 Flow Reportable After-Tax Cumulative Year Income/(Loss) Cash Flow Cash Flow  ,>}_` r e,} Ž‚ ,} Ž‚ ,} Ž‚kÜ ,}  ,>} `r+ e,} Ž‚ ,} Ž‚ ,} Ž‚kƒ ,}  ,>}±`r+ e,} Ž‚ ,} Ž‚ ,} Ž‚k* ,}  ,>}X`r+ e,} Ž‚ ,} Ž‚ ,} Ž‚kÑ ,}  ,>}ÿ`r+ e,} Ž‚ ,} Ž‚ ,} Ž‚kx ,}  ,>}¦`r+ e,} Ž‚ ,} Ž‚ ,} Ž‚k ,}  ,>}M`r+ e,} Ž‚ ,} Ž‚ ,} Ž‚kÆ ,}  ,>( ˜&}å9N9Theinternalrateofreturnonthisinvestmentis ,è=}notbetween-50%and150%4 ,'=}undefined. 1 d*,}%.  r,>}=CAUTION: Theremaybeseveralsolutionstothisproblem. N ,=}9 ,=}, NO CASH FLOWS HAVE BEEN RECORDED YET. NEW CASH FLOW LINE  Ô,Ð<}NYou haven't enough memory to add a new flow line until you delete one. ‘` ,}1,<)i!'Must be a positive year,j} r ,} r ,} r ,} r ,}  r ,} IH ‹  IE Š 8á),r=)i(¸;þÿ,j ( ,rÀ;(,rÀ;(r ,ž;ÿÿ}/r,r=)i(¸;þÿ,j(,(r-,r„À;ÿÿ}—Dr,r +-A)i(¸;þÿ,j$(,(r+,(r,r +-„ƒÀ;ÿÿ}•Xá),r +-=)i(¸;þÿ,j8( ,( ,ƒ-(,(r,r +-„ø+À;(r ,ž;ÿÿ}(r,r>)i(,r-À;à,j(¸;þÿ}0r+r-, <)i(,r+À;à,j(¸;þÿ}sOYour Tax Bracket: 0 ,}5,<)i%'Enter a number from 0 to 99,j}%  ,=} Ô,ÐA}n1 - Add NEW CASH FLOW LINE to Investment Analysis 5( ˜,=i5(' Must enter year,P,,, ³;(¸;þÿjô(r + e¬;( , +š;(¡;( , š;( , š;( , š;( , š;( , š;( , š;( ,  - d/-*+š;( ,  -  *d/-š;( :eœ; i*(r: r+- :e,,,§j;(,(r,r +-„À;”} }’2 - View Investment Analysis Summary ‚ç(,ÿÿÀ;( ,š;( ,š; i¬—r:r +- e,{‘G( ,  - d/-*+š;( ,  -  *d/-š; ,< ,A& ,> ,?&|i.(,r+À;( , ,>)i ,jÿÿšj}j;r,?i( ,'šjú(,À;(,À;( ,r/-š;(,( ,r:r +- eÀ;(rŒ,ü©ñÒMb`?i( ,'šjj(ÿ;( ,š;”}3 - Delete investment line pointed to ƒNá),r-Ai7(¢;( , -š;(,(r,(r,r +-„ƒÀ;”j (¸;ÿÿ}?9 - Back up to Investment Analysis ‰( œ;( œ;”} }Å4 - @ ,} ExportPrint| Investment Analysis Summary „"kÚ; ,' Export=i–j•}15 - Clear all slates …< i(r:r +- : e¢j;( ,š;( œ;”}10 - Return to MINI MENU Š> i*(r:r +- :e,,,§j;( œ;X}Œ$( ,á)À;( ,rÀl;(r:á) e€l}ÿ   5(  ˜)i ,j(  ,' Printerš;( ,' Normalš}_OSelect @ ,}Wide Normal| printout.  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P ,}Õ( œ;  ,' Printer=i('prn:,'aªj¯  ,' Screen=(  ˜,=|i(  ,'šj8(  ˜,=i(( ,'Please specify a pathnamešj;( ˜,=i>(  ,'cªi*( ,'Invalid pathname--try againšjj;( ˜i(¸;ÿÿjæ iV—r:r +- e,{;G( ,  - d/-*+š;( ,  -  *d/-š}j;( ,À;('!Summary of Investment Analysis,,P«;ka;(' Printed: ,,P«;((Fç,, «;k5;k1;('M ----- ACTUAL CASH ----- ------ REPORTED FOR TAXES ------ ,,P«;('O Out In Ordinary Long-term,,P«; ,'Wide=iA('1 Reportable After-Tax Cumulative,,P«j;k&;('MYear (Invested) (Received) Deductions Income Gains,,P«; ,'Wide=iB('2 Income/(Loss) Cash Flow Cash Flow,,P«j;ku; i6—r:r +- e,{Gr i (j kE;( ,,`«;( ,òÿ,‚«;(',,P«;( ,òÿ,‚«;(',,P«;( ,òÿ,‚«;(',,P«;( ,òÿ,‚«;(',,P«;( ,òÿ,‚«; ,'Wide=ie(',,P«;( ,òÿ,‚«;(',,P«;( ,òÿ,‚«;(',,P«;((r:á) e€,òÿ,‚«j}j; ,'Wide@i*k#;k;k;('2 Reportable After-Tax Cumulative,,P«;kÙ;('1Year Income/(Loss) Cash Flow Cash Flow,,P«;k˜; i—r:r +- e,{tGr i (jekh;( ,,`«;( ,òÿ,‚«;(',,P«;( ,òÿ,‚«;(',,P«;((r:á) e€,òÿ,‚«}jj;( ˜r ,=&iÊkç;kã;('5The internal rate of return on this investment is ,,P«; ,è=i,('not between -50% and 150%,,P«jI ,'=i(' undefined.,,P«j#( d*,,1«;('%,,P«j;k;Õ;”}‰ ( œ;”}Œ(' ,,P«l}ÿ #( ˜,@i( ,'DIFšj} _O This screen will print the Investment Analysis Report in the "Export" Format to the pathname listed below. 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P ,}…(,À;(, ,'DIF=)i ,jÀ;( œ;( ,À;(  ˜,=i(( ,'Please specify a pathnamešj;( ˜,=i>(  ,'cªi*( ,'Invalid pathname--try againšjj;( ˜i(¸;ÿÿj± iX—r:r +- e,{=G( ,  - (Jçd/-*+š;( ,  -  *d/-š}j;( ,À;riªkœ;( +,,`«;kÂ;k\;kß;(' Summary o,,P«;k;k¿;(' f Investm,,P«;ká;kŸ;(' ent Analy,,P«;kÁ;k;('sis,,P«;k§;(,À;k×j2('!Summary of Investment Analysis,,P«;k¿;k;k ;((Fç,, «;kJ;(,À;kz;ks;(, À;kh;ka;k9;kà;('Out,,P«;k;kÆ;('In,,P«;kï;k;k©;(' Ordinary,,P«;kÌ;kŠ;(' Long-term,,P«;k¬;kj;(' Reportable,,P«;k‹;kI;(' After-Tax,,P«;kk;k);(' Cumulative,,P«;kJ;k;k;('Year,,P«;k+;ké;(' (Invested),,P«;k ;kÈ;(' (Received),,P«;ké;k§;(' Deductions,,P«;kÈ;k†;(' Income,,P«;k«;ki;('Gains,,P«;k;kM;('Income/(Loss),,P«;kk;k);(' Cash Flow,,P«;kK;k ;(' Cash Flow,,P«;k+;kb;(, À;kW; iO—r:r +- e,{4Gr i (j%k$;kÈ;( ,,`«;kñ;k²;(( ˜)i ,j,,b«;kË;kŒ;(( ˜)i ,j,,b«;k¥;kf;(( ˜)i ,j,,b«;k;k@;(( ˜)i ,j,,b«;kY;k;(( ˜)i ,j,,b«;k3;kô;( ,,b«;k;kÞ;( ,,b«;k;kÈ;((r:á) e€,,b«;kç}j;kù;(, À;kî;kç;( ˜r ,=&imri`kU;(' Internal ,,P«;kw;k5;(' rate of r,,P«;kW;k;('eturn,,P«;k;j+('Internal rate of return,,P«;kh; ,'@ ,è@&ikÚ;( d*,,1«;kÿj£(,À;k“;( ,'=)i' undefined.,j' not betwe,,P«;k—; ,è=i?kJ;(' en -50% a,,P«;kl;k*;(' nd 150%.,,P«j;(,À;k=;(,Àj;ri"kb;('-1,0 EOD ,,P«j;Õ;”}‰ ( œ;”}Œrri(' 1,0 "" ,,P«jk"l;ri('-1,0 BOT ,,P«jkl;('/TABLE 0,1 "" VECTORS 0,9 "" TUPLES 0,,,P«l;(' "" DATA 0,0 "" ,,P«l;ri(' 1,0 ",,P«jl;ri('0,,,P«jl;ri('" ,,P«jk?l;ri(' V ,,P«jkl;—r,{Cr)i kÊþ,jk}l;ri(' ,,P«jl;(' ,,P«l}ÿ  sO* College Planning *  N Your child's name: 7 P 4,} Today's annual cost of college: 7 r 4,}Z,<)iJ'CThis kid must be some ballplayer if they're paying him to attend,j} Annual college cost inflation: 7` 4,}% Years until your child enters college: 7` 4,}0,<)i 'Sorry, you're too late,j} Years your child will be in college: 7` 4,}7,<)i'' Heading back to grade school?,j} Present savings: 7 r 4,}.,<)i'No negatives, please,j} Annual yield: 73 4,}2,<)i"'Things can't be THAT bad,j}% MsO1 - Calculate a college plan 50 - Return to MINI MENU ŠX}<( 4,™;( 3, 4d/š;( 3, 4d/š; 4i2( 3, 4 3+ 4^* 3+ 4^-* 3-/šj( 3, 4 4*š;( 3 , 4 3+ 4^*š;(, 3+ 3+/À;(, 3+/À;(, 4 4+-À; 4, 4=i( 3 , 3 4*šj( 3 , 3 r 4^-*r-/š; 4,@io( 3, 3 4 3+ 4^*- 3 3+ 4^-/*š;( 3, 3 4 3+ 4^*- 3+ 4-^* 3 3+r^-/*šj$( 3, 3 4- 4/š;( 3, 3 4-r/š; 4, 4@iŠ( 3, 3 4 3+ 4^*-r-*r 4^-/ 3+ 4-^/š;( 5 , 3 4 3+ 4^*- 3+ 4-^*r-*rr^-/ 3+r-^/šjk( 3, 3 4 3+ 4^*- 4/ 3+ 4-^/š;( 5 , 3 4 3+ 4^*- 3+ 4-^*r/ 3+r-^/š;( 3, 3  3+ 4^/ 4-š; 3,<)i( 3,š,j; 3,<)i( 3,š,j; 3,<)i( 3,š,j; 5 ,<)i( 5 ,š,j;( 4˜,=)i( 4,š,j;£}ÿ  sO* College Planning Results * MTHE TOTAL COST OF P 4,}'S EDUCATION WILL BE: r 3,}  3,>}ŒYEARLY ADDITION NECESSARY: r 3,} Thisiswhatyou'dhavetoaddtoyoursavingseachyearsothatbythetimecollegestartedyou'dhavejustenoughtocoveryourcostswithoutaddinganymore. ALTERNATE YEARLY ADDITION: r 3,} Thisloweramountassumesthatyouwon'tstopsavingforcollegetheyearitstarts,butthat,instead,youcontinuepayinginthesameamountduringeachofthecollegeyears. ANOTHER ALTERNATIVE: r 5 ,} Thisevenloweramountassumes,inaddition,thatyouSTARTsettingasider 5 ,},butthatascollegecostsgoupovertheyears,sowillyourincomeandabilitytosetmoneyaside. Sohereweassumeyou'llbeincreasingyourannualsavingsrateat` 4,}%,thesameinflationrateyouassumedforcollegecosts. Butbeware: thisisobviouslytheleastconservativeapproach,andtheonethatbenefitsleastfromthepowerofcompoundinterest. TheMOSTCONSERVATIVEapproach,ifyoucouldaffordit,wouldbesimplytosetasideanotherr 3,} today. Basedonyourassumptions,you'dneverhavetolayoutanotherpennyforyourchild'scollegeeducation. íYoualreadyhaveenoughinyoursavingstocoverthefuturecostofcollege. Justearmarkr 3  3+ 4^/,} asyourcollegefundanddon'ttouchit. (Butbesuretogobackandtryascenariowithlessincurrentsavings.)1 - Print report 9 - Back up for another scenario 0 - MINI MENU ŠX}‰( 4,™;( 4,™;ž}5( 4˜,=i( 4,šj;(  œ;(  œ;( œ;¤}ÿ $(  ˜)i ,j(  ,' Printerš}  _O Print to: @  ,}Disk Printer Screen| If you select disk, then enter pathname below (P  ,} Ready the Printer or Disk and press 1 or press 9 to back up without printing. Press 0 to stop printing once it has begun. P ,}l( œ;  ,' Printer=i('prn:,'aªj¯  ,' Screen=(  ˜,=|i(  ,'šj8(  ˜,=i(( ,'Please specify a pathnamešj;( ˜,=i>(  ,'cªi*( ,'Invalid pathname--try againšjj;( ˜i(¸;ÿÿj} ( ,À;(', Education Analysis Prepared ,,P«;((Fç,, «;(' ,,P«;(' ,,P«;r ijë j;(' Assuming ,,P«;( 4,,P«;(' has ,,P«;( 4,,`«;('" years to go before entering a ,,P«;( 4,,`«;(' year ,,P«;(' ,,P«;r ij1 j;(' school that currently costs ,,P«;( 4,,r«;(' a year; and assuming ,,P«;(' ,,P«;('$ that cost will rise steadily at ,,P«;( 4+,,3«;('% a year while you'll be ,,P«;(' ,,P«;(' able to earn ,,P«;( 4+,,3«;r ij j;('% after tax,,P«;('# on the money you set aside (on ,,P«;(' ,,P«;(' top of the ,,P«;( 4,,r«;(' you've already ,,P«;('!set aside), here's the scoop: ,,P«;(' ,,P«;(' ,,P«;(' THE TOTAL COST OF ,,P«;r ijæ j;( 4,,P«;(''S EDUCATION WILL BE: ,,P«;( 3,,r«;('.,,P«;(' ,,P«;(' ,,P«; 3,>ir(' YEARLY ADDITION NECESSARY: ,,P«;( 3,,r«;('. This is what you'd have ,,P«;r ij÷j;(' ,,P«;('A to add to your savings each year so that by the time college ,,P«;(' ,,P«;('? started you'd have just enough to cover your costs without ,,P«;(' ,,P«;(' adding any more.,,P«;(' ,,P«;(' ,,P«;(' ALTERNATE YEARLY ADDITION: ,,P«;r ij°j;( 3,,r«;('. This lower amount ,,P«;(' ,,P«;('6 assumes that you won't stop saving for college the,,P«;(' ,,P«;('; year it starts, but that, instead, you continue paying ,,P«;(' ,,P«;('8 in the same amount during each of the college years.,,P«;(' ,,P«;r ij_j;(' ,,P«;(' ANOTHER ALTERNATIVE: ,,P«;( 5 ,,r«;('. This even lower figure,,P«;(' ,,P«;('< assumes, in addition, that the amount you set aside for ,,P«;(' ,,P«;('? college is not the same each year. Rather, we assume here ,,P«;(' ,,P«;r ijj;('! that you START setting aside ,,P«;( 5 ,,r«;(', but that as college ,,P«;(' ,,P«;('8 costs go up over the years, so will your income and ,,P«;(' ,,P«;('9 ability to set money aside. So here we assume you'll ,,P«;(' ,,P«;r ijôj;(') be increasing your annual savings by ,,P«;( 4+,,3«;('% a year, the same ,,P«;(' ,,P«;('> inflation rate you assumed for college costs. But beware:,,P«;(' ,,P«;(': this is obviously the least conservative approach, and,,P«;r ijÊj;(' ,,P«;('; the one that benefits least from the power of compound ,,P«;(' ,,P«;('< interest. The MOST CONSERVATIVE approach, if you could ,,P«;(' ,,P«;('4 afford it, would be simply to set aside another ,,P«;( 3,,r«;(' ,,P«;r ijšj;(': today. Based on your assumptions, you'd never have to,,P«;(' ,,P«;('= lay out another penny for your child's college education.,,P«jð('9 You ALREADY have enough in your savings to cover the ,,P«;(' ,,P«;('* future cost of college. Just earmark ,,P«;( 3  3+ 4^/,,r«;(' ,,P«;(', as your college fund and don't touch it.,,P«;(' ,,P«;Õ;£}‰ ( œ;£} ÿ  *O2P ,} *O*O* Rental Property Analysis *  E Property Name: (P ,} NPurchase Date:   ,}*Purchase Price:  p ,}kç} Property Type: @  ,} Active Passive|  @ ,} Commercial PersonalResidential|*Depreciable Portion:  p ,}k" } Sale Date:   ,}*Depreciate over 1 ,} years Selling costs: 3 ,}k}%*Your Tax Bracket: 0 ,}kâ }% Available losses each year: p ,}1,¨a>)i!'Must not exceed $25,000,j} 1st Mortgage: Amount  p ,}kñ } Rate 3 ,}kÕ }% Type  @ ,}Interest OnlyPrincipal and Interest| Term 0 ,}k­ } years 2nd Mortgage: Amount  p ,}kG } Rate 3 ,}k+ }% Type  @ ,}|FG| Term 0 ,}k( } years Points on 1st mortgage: 1 ,}k! } on 2nd mortgage: 1 ,}k÷ } Maintenance: Initial Fix-up p ,}kb } Monthly p ,}kD } Annual Inflation 1 ,}% Rent: Monthly Amount p ,}kî } Occupied 0 ,}k1 }% Annual Inflation 1 ,}% Prop. Tax: Mill Rate ($/1000) 2 ,}k™ } Assessed 0 ,}k· }% Annual Inflation 1 ,}% ENTER EITHER ITEM BELOW: Sale Price:  p ,}k" })Property Annual Appreciation: 2 ,}% 1 - Analyze this property64 - Save property 2 - Clear all numbers  ,>}@This is property 0 +/,} of 0 ,}. 60 - Return to MINI MENU  ,>}:65 - Back a property …k–;( , -š;k;¨} , *-<&}866 - Next property †kF;( , +š;kÇ;¨}„ƒÔ,èô+}e3 - Delete this property ƒB—,{G(( • + e¢};( , -š;( , -š;kÑ;¨}‚>( : : eœ;( œ;(: :eœ;( ,ÿÿš;¨}( œ;Ô,è( “( “-+{*+i+( ,'Your mortgages are too largešj7 ( ˜,=( ˜,=|& ( ˜,=( ˜,=|&|i+( ,'Mortgage requires type, termšjØ , A( ‘,( ‘=&( “,( “=&i4( ,'(Cannot buy and sell in the same monthšj , >i1( ,'%Cannot depreciate > purchase pricešjG( ˜,=i7( ,'+Must enter second field of property typešj;( ˜i(¸;ÿÿj(  , d/ *š;(  , d/ *š;(,( •+À;(,rÀ;( ,( “( “-+š;(r:r +- :eœ; , ?i"( ,(( ‘,( ’,( “d+”šj;( ,  *š;( , °/š;( ,  *š;( , °/š; it( ,'I†i$ i( ,  *šj ( ,šjA i.( ,  * + ^* + ^-/šj( ,  /šj( œ; it( ,'I†i$ i( ,  *šj ( ,šjA i.( ,  * + ^* + ^-/šj( ,  /šj( œ;( , š;—r:r +- e,{„G(  :eœ;( ,( “á)+r-š;( “,( “=i( ,( ‘( ‘-+šj9( ,á),r=)i ( ‘-,j ,( “=)i ( ‘,j š};(  d/+ /^(r:r +- e€^*-Œ,{®Gáz„?>( ˜&( ˜&iA( ,'5You must specify EITHER sale price OR appreciationšj;( ˜i(¸;ÿÿj©}Š ( œ;X}Œ”,<)i'No negatives,jl;,<,è>|)i'Range is 0 to 1000,jl;(( • +:( • ++ : e, : : e¥;(( • +:( • ++  :e,: :e¥l;( : : e,( • +:( • ++ : e¥;(: :e,( • +:( • ++  :e¥l;(˜,?&)i'Must be positive,jl;,<,d>|)i'Must be 0-100%,jl} ÿ  (,À;( ˜i8( ,  d/+ /^(r:r +- e€^*šj1( ,d / (r:r +- e€/^-*š;( ,š;( ,š;(  ,š;(  ,š;—r:r +- e,{'G(,(r:á) e€À;( ,  d/+ /^r^*š; iv( ,'P†i\(,(r,  *ƒÀ; i0( ,  +r^*  +r^-* /-šj( ,  r*-šj ( , šj( œ; iv( ,'P†i\(,(r,  *ƒÀ; i0( ,  +r^*  +r^-* /-šj( ,  r*-šj ( , šj( œ;á),r=i&( ,  + +  +  + - -šj;( “,( “=i2( ,  + +š;( ,  *š;( ,  *šj i„r,  * +}.0 ,}k)}7‡3 ,}kC}%A r ,}kü}  }ásOs Os OsOAfter 0 ,}k¼} payments, increase payment by  r ,} @  ,}ONCE REGULARLY| to  r ,} and/or change interest rate to 3  ,}kS}% After 0 ,}k} more payments, increase payment by  r ,} @  ,}|AB| to  r ,} and/or change interest rate to 3  ,}k¥}% After 0 ,}kV} more payments, increase payment by  r ,} @  ,}|AB| to  r ,} and/or change interest rate to 3  ,}k÷}% After 0 ,}k¨} more payments, increase payment by  r ,} @  ,}|AB| to  r ,} and/or change interest rate to 3  ,}kI}%  FillintheLoanDateandType,andthenleaveONEoftheremainingfourfieldsblank. Press1tocalculatetheemptyfield,andthenpress2toseewhathappensifyoumodifyyourprincipalpaymentsortheinterestratesduringthetermofthisloan. sO }  ( ˜,@}+P ,} }VOThis loan will be paid off after ƒ0 ,} payments on ‰  ,}. After 0 ,}kŒ} payments, your remaining principal will be r ,} 1 - Re-calculate 3 - Clear fields 4 - Print new Amortization Schedule 9 - Back up to Loan Analysis Fill in any fields you want to modify. ˆ1 - Calculate the remaining field 2 - Modify the principal payments or interest rates on this loan 3 - Clear all fields 4 - Print a Loan Amortization Schedule &  ,' MONTHLY=  ,' BI-WEEKLY=|}±5 - Convert from  _6  ,' MONTHLY=  ,' BI-WEEKLY=|)i  ,j',} to  _R  ,' MONTHLY=)i' BI-WEEKLY,j+  ,' BI-WEEKLY=)i' MONTHLY,j',} 50 - Return to MINI MENU  }}k);k‰ ;kª;k$;­}ƒ&k;(: : eœ;k] ;kü;ÿÿ}„ ké;kI ;( ˜i kb;­j®}‰kÇ;( ,š;­}X|k®;( ,š;kS;r,=i-( ,'!You must leave one field blankšj(r,=ik#;( , šjr,=r,=|i:( ,'.Loan Date and Type must be filled in by youšjÄr,=ikþ;( , šjªr,=iY ,  *>i:( ,'.This would require a negative interest ratešjk@;( , šjIr, =ikü;( ,  šj/( ,'&You must leave just one field blankš;k* ;kÅ ;­}ƒk0 ;(: : eœ;­}‚Åk ;( ,š;kµ;r,@i5( ,')All the fields must be filled in firstšjLkŸ;(, À;k¸;r, @i-( ,'!Payment does not fit situationšj;( ˜,=i( ,š;kÃ;kb jkÞ ;­}„»kI ;( ,š;kî;r,@i5( ,')All the fields must be filled in firstšjLkØ;(, À;kñ;r, @i-( ,'!Payment does not fit situationšj;( ˜,=i k;®j k! ;­}&  ,' MONTHLY=  ,' BI-WEEKLY=|} … kc ;( ,š;k;r,=iž  ,' MONTHLY=i&( , /š;(  ,' BI-WEEKLYšjd  ,' BI-WEEKLY=i$( , *š;(  ,' MONTHLYšj-( ,'$Type must be MONTHLY or BI-WEEKLYšj+( ,'"You must fill in all the fieldsš;( ˜,=iky;( , šj;­}Š kX ;X}Œ¢ (,À;( ˜,=i(,r+Àj;( ˜,=i(,r+Àj;( ˜,=i(,r+Àj;( ˜,=i(,r+Àj;(  ˜,=i(,r+Àj;( ˜,=i(,r +Àjl;k_;r ,=i(  ,  /šj*(,r ÿÿ *^-À;(  , r -*r/šl;k;r ,=i( ,  *šj!( ,  r ÿÿ *^-*r -/šl;kØ;r ,=i( ,(   /§èH.ÿï?+‡šjy  , r -*?i:( ,'.Payment is too low to pay off any principalšj/( ,((  Ž(  r -*-Ž-(r Ž/§èH.ÿï?+‡šl;k5;kl;(,   * -* / +/À;(,À;( , -š;( ,hUMuÿ>r/À;(,  r+ ^-* /À;(,  r+ ^-* /À;(,r+À;(rr-Œ,(rr-Œ>i(,rÀ;jœÿj;(,rr-À;(,rr-r+/r*r*À;(,rr-À;(rŒ,r >r,<&ijNÿj;( ,(,rd*r*„š;( , -šl;(  ,  eš;  ,' YEARLY=i(,Àjv  ,'SEMI-ANNUALLY=i(,ÀjQ  ,' QUARTERLY=i(,Àj0  ,' BI-WEEKLY=i(,m/Àj (, À;( ,  eš;( ,  eš;( ,  eš;( , d/r/+Àl;( ,( ‡š; ,&i( , -šj;( ˜ ,'ONCE=&i$( ,š;( ,š;(  ,'xšj ( ,á)š;( ,á)š;(,Àj (,À;( ˜i(,r+Àj;( ˜i(,r+Àj;( ˜i(,r+Àj;r,@r,@&r,@&r, @&i3( ,''See Help about how to fill in fieldsšj};( ,š;( , š;( ,š;( ,üš;—:  e,{G(˜,  e<&i¶( , +š; , > ,ü=&i2( , š;( ,  -+š;k ü;kñü;( , šj;( ,( ˜)i ,j   eš;( ,š;( , š;kÀû;k¥ü;( , š;( ˜( ˜&i¸( ,á)š;( ˜i4( ,  e-š;kù;( ,  +š;( ,  šj( ,  +š; ,?i(( ,'Payment can't be negativešj; ,'ONCE@i( , šj;k!ù;( , šjJ( ,  e-š;( ˜i%( ,á)š;keø;( ,  š;( , šj ( , š;( ,á)šjO(˜,  eA&i+( ,š;( ,   e+š;( ,á)šj;( ,š}; ,ü=i.( , š;( ,  -š;k$ú;k û;( , šj;( ,   e+š;kl;kóù;r, >i( ,  *+šj}(,( ‘- ( “*+  *r/+À;(,( ’À;( ,((r, ˆ+,r,(r /‡”š; ,ÿÿ=r,>&i(,r-À;j¾ÿjl;( ˜i (¸jl;(˜,?&)i'Must be positive,jl;(˜,<&)i'Must be 0 or greater,jl;( œl;( ˜,=i<( ,'0“““““““““““““““““““““““““““““““““““““““““““““šjl}ÿ $(  ˜)i ,j(  ,' Printerš} _O Print to: @  ,}Disk Printer Screen| If you select disk, then enter pathname below (P  ,} Ready the Printer or Disk and press 1 or press 9 to back up without printing. Press 0 to stop printing once it has begun. P ,}‹kã ;( ˜,=ip('Loan Analysis ,,P«;(' Date: ,,P«;((Fç,, «;(' ,,P«;k¼;kÞ;kŠ;Õ;( œ;­j (¸;ÿÿ}‰­}Œ6 (,   * -* / +/À;(,À;( , -š;( ,hUMuÿ>r/À;(,  r+ ^-* /À;(,  r+ ^-* /À;(,r+À;(rr-Œ,(rr-Œ>i(,rÀ;jœÿj;(,rr-À;(,rr-r+/r*r*À;(,rr-À;(rŒ,r >r,<&ijNÿj;( ,(,rd*r*„š;( , -šl;(  ,  eš;  ,' YEARLY=i(,Àjv  ,'SEMI-ANNUALLY=i(,ÀjQ  ,' QUARTERLY=i(,Àj0  ,' BI-WEEKLY=i(,m/Àj (, À;( ,  eš;( ,  eš;( ,  eš;( , d/r/+Àl;( ,( ‡š; ,r |i(;jxj; ,>r,=&ij.j;kïý;(r ,üÿ,0«;(',,P«;(r, , «;(',,P«;r ,>i( ,ùÿ,3«;('%,,P«;(',,P«;(,r -r*À;(  ,(  ,rr+ƒš;(  ,ôÿ,b«;(',,P«;(  r-,ôÿ,b«;(',,P«;(r,ôÿ,b«j=(',,P«;(', ,P«;(',,P«;(', ,P«;(',,P«;( ,òÿ,b«;(' ,,P«;(, À;(,(r‘ r/+-À;  ,' BI-WEEKLY=i(,r+Àjx( ,( ’À;(ó;(,((r, ˆ+,r ,(r“r, A)i ,j+”À;r,ÿÿ=r ,>&i( ,r -À;j§ÿj;(,rÀ;( , +š;( ,r +À;jžý;( ,á)šj;á),=i(,À;jLýj;(,rÀ};(,Àl;('Q - - - - - - - - - - - - - - - - - Original - - - - - - - - - - - - - - - - ,,P«;('ILoan Date Type Balance # Payments Interest Rate ,,P«;( , , «;(  ,,P«;( ,,r«;( , ,`«;( ,ùÿ,3«;('% ,,P«;—:  e,{¤G(á),ˆ,=i(˜i(' After ,,P«;(,,0«;á),>i(' more,,P«j;(' payments, ,,P«; i°('increase payment by ,,P«;( ,,r«; ,'ONCE=i(' once,,P«j;(' to ,,P«;( ,,r«; i(' and,,P«j;(' ,,P«j; iK('change interest rate to ,,P«;( ,,3«;('% ,,P«j;(' ,,P«jj}l;( œ;( ,À;  ,' Printer=i('prn:,'aªj¯  ,' Screen=(  ˜,=|i(  ,'šj8(  ˜,=i(( ,'Please specify a pathnamešj;( ˜,=i>(  ,'cªi*( ,'Invalid pathname--try againšjjl}ÿ ( ,'Printš}  ,= ,>&}ÐË(  ,š;(,À;( ,š;—r:r +- e,{…Gá),r=i4( , ,<)i ÿÿ,j ,>)i ,jšjH ,< ,>& ,> ,<&|i(,r+À;( , ÿÿ*šj};r,=i( ,'šjú(,À;(,À;( ,r/-š;(,( ,r:r +- eÀ;(rŒ,ü©ñÒMbP?i( ,'šjj(ÿ;( ,š}r ,}}*( ,À;r i(,r À;( ,Àj}  N*OO* Analysis of this Rental Property * Flow # Actual Actual Net Tax After Tax Cumulative Year mos. Cash In Cash Out Effect Cash Flow Cash Flow  }»`r+ e,} 0 ,} ‹p ,} P '-,}‹p ,} P '+,}‹€ ,} P '=,}‹€ ,} ‹€kµ ,}  ,>}`r+ e,} 0 ,} ‹p ,} P '-,}‹p ,} P '+,}‹€ ,} P '=,}‹€ ,} ‹€k ,}  ,>}Q`r+ e,} 0 ,} ‹p ,} P '-,}‹p ,} P '+,}‹€ ,} P '=,}‹€ ,} ‹€kK ,}  ,>}œ`r+ e,} 0 ,} ‹p ,} P '-,}‹p ,} P '+,}‹€ ,} P '=,}‹€ ,} ‹€k–,}  ,>}ç`r+ e,} 0 ,} ‹p ,} P '-,}‹p ,} P '+,}‹€ ,} P '=,}‹€ ,} ‹€ká,}  ,>}2`r+ e,} 0 ,} ‹p ,} P '-,}‹p ,} P '+,}‹€ ,} P '=,}‹€ ,} ‹€k,,}  ,>}}`r+ e,} 0 ,} ‹p ,} P '-,}‹p ,} P '+,}‹€ ,} P '=,}‹€ ,} ‹€kw,}  ,>}È`r+ e,} 0 ,} ‹p ,} P '-,}‹p ,} P '+,}‹€ ,} P '=,}‹€ ,} ‹€kÂ,}  ,>}`r+ e,} 0 ,} ‹p ,} P '-,}‹p ,} P '+,}‹€ ,} P '=,}‹€ ,} ‹€k ,}  , >}^`r + e,} 0 ,} ‹p ,} P '-,}‹p ,} P '+,}‹€ ,} P '=,}‹€ ,} ‹€kX,}  , >}©`r + e,} 0 ,} ‹p ,} P '-,}‹p ,} P '+,}‹€ ,} P '=,}‹€ ,} ‹€k£,}  ,>}Ù The internal rate of return on this investment is  ,è=} not between -50% and 150%4 ,'=}undefined.1 d*,}%.  r,>}5CAUTION: There may be more than one IRR solution. PROPERTY SALE PRICE: p ,} IH ‹ IE Š 8á),r=)i(¸;þÿ,j ( ,rÀ;(,rÀ;(r ,ž;ÿÿ}/r,r=)i(¸;þÿ,j(,(r -,r„À;ÿÿ}—Dr,r + -A)i(¸;þÿ,j$(,(r +,(r,r + -„ƒÀ;ÿÿ}•Xá),r +-=)i(¸;þÿ,j8( ,( , ƒ-(,(r,r + -„ø+À;(r ,ž;ÿÿ}(r,r>)i(,r-À;à,j(¸;þÿ}0r +r-, <)i(,r+À;à,j(¸;þÿ}*OM1 - @ ,}Print Export| Rental Analysis of: (P ,} 9 - Back up to Rental Property Analysis ‰( ,š;¨}60 - Return to MINI MENU Š( œ;( ,š;X}A i( ,á)À;( ,rÀj;(  œ; ,'Print=i³j´}Œ(r:á) e€l}ÿ 6(  ˜)i ,j(  ,' Printerš;(  ,' Summaryš} _O Print to: @  ,}Disk Printer Screen| Choose report type: @  ,} Detail Summary| If you select disk, then enter pathname below (P  ,} Ready the Printer or Disk and press 1 or press 9 to back up without printing. Press 0 to stop printing once it has begun. P ,}8( œ;  ,' Printer=i('prn:,'aªj¯  ,' Screen=(  ˜,=|i(  ,'šj8(  ˜,=i(( ,'Please specify a pathnamešj;( ˜,=i>(  ,'cªi*( ,'Invalid pathname--try againšjj;( ˜i(¸;ÿÿjI(  ˜,=i(  ,' Summaryšj;( ,À;  ,' Summary=i`((Fç,, «;('&Summary of Rental Property Analysis,,P«;kw;ks;('Flow,,P«;('#, ,P«;(' Actual, ,P«;(' Actual,,P«;(' Net Tax, ,P«;(' After Tax, ,P«;(' Cumulative,,P«;kÛ;('Year,,P«;('mos., ,P«;(' Cash In, ,P«;(' Cash Out,,P«;(' Effect, ,P«;(' Cash Flow, ,P«;(' Cash Flow,,P«;k?;k;; iÒ—r:r +- e,{·Gr i (j;k;( ,,`«;( ,ýÿ,`«;( ,óÿ,€«;(' -,,P«;( ,õÿ,€«;(' +,,P«;( ,õÿ,€«;(' =,,P«;( ,õÿ,€«;((r:á) e€,óÿ,€«}jjË (,À;(,rÀ;( r/‡, r/=i(, r/Àj(,( r/‡+À;( ,š;—r,{r Gr i (jc (,(r, r *-ƒÀ;( , +š;((Fç,, «;('0Detailed Printout of Rental Property Analysis,,P«;kâ ;('Actual Cash Out,,P«;kb;('===============,,P«;k@;(' Down Payment,,P«;r,r=i(  - -,øÿ,0«j;kú ;(' Property Tax,,P«;(r e¬;k} ;kÊ ;(' Maintenance,,P«;( ,š;(r e¬;k~ ;k‘ ;(' 1st Mortgage Principal,,P«;( ,š;(r  e¬;k: ;kM ;km ;( ,š;(r  e¬;k ;k, ;k… ;r,r=i(  ,øÿ,0«j;k ;(' 2nd Mortgage Principal,,P«;( ,š;(r  e¬;k° ;kà ;kS ;( ,š;(r  e¬;k ;k¢ ;kk ;r,r=i(  ,øÿ,0«j;k} ;(',,P«;k ;('TOTAL CASH OUT: ,,P«;(r e¬;kë;k8 ;('Actual Cash In,,P«;k ;('==============,,P«;kö ;(' Rent,,P«;( ,š;(r e¬;k±;kÄ ;(' Sale Proceeds,,P«;r -*, r-=i.—r-,{G(',,P«};( ,øÿ,0«j;k] ;(' Less: Selling Cost,,P«;r -*, r-=i:—r-,{G(',,P«};(ÿÿ d/* *,øÿ,0«j;kå ;(',,P«;k} ;('TOTAL CASH IN:,,P«;(r e¬;kU;k¢ ;(' Tax Items, ,P«;k† ;(' =========, ,P«;kj ;(' Depreciation,,P«;(r e¬;—r:rr+- e,{4Gr i (j%(( ,'P†)i ,j,øÿ,0«};kô ;(' Property Tax,,P«;(r e¬;kw;kÄ ;(' Maintenance,,P«;(r e¬;—r:rr+- e,{PGr i (jA(( ,'P†)i ,j!r,r=á),r=&)i ,j+,øÿ,0«};k3 ;kS ;( ,š;(r  e¬;kÿ;k ;kk ;(r e¬;k®;kû;k‹ ;( ,š;(r  e¬;kÇ;kÚ;k£ ;(r e¬;kv;kÃ;(' Gain on Sale,,P«;r -*, r-=i6—r-,{G(',,P«};(  *-,øÿ,0«j;kU;(' Rent,,P«;( , š;(r e¬;k;k#;(' Suspended Losses,,P«;( , š;(r e¬;kÒ;kå;(',,P«;k};('NET TAX LOSS:,,P«;(r e¬;kV;k£;('Allowable Portion:,,P«;( ,'P†i( , šj%(  ,'A†i( , šj ( , š;k);k<;(' Tax Rate:,,P«;( ,,a«;('%,,P«;k;('NET TAX EFFECT: ,,P«;(r  e¬;kƒ;kÐ;—r:rr++ e,{G(' ========,,P«};kœ;('TOTAL CASH IN,,P«;(r e¬;k ;km;('Less: TOTAL CASH OUT,,P«;(r e¬;kê;k7;('Plus: NET TAX EFFECT,,P«;(r  e¬;k´;k;(',,P«;—r:rr+- e,{(G(',,P«;(' -------,,P«};k°;('AFTER TAX CASH FLOW: ,,P«;(r e¬;k,;ky;—r:rr++ e,{G(' --------,,P«};kE;('Cumulative Cash Flows: ,,P«;( ,š;(r e¬;kï;k;—r:rr++ e,{G(' --------,,P«};r ,=i$ ,riÃ('4The internal rate of return for this property is ,,P«; ,'@i] ,è=i-('not between -50% and 150%.,,P«j$( d*,,1«;('%.,,P«j(' undefined.,,P«j;k½;Õ;²}‰ ( œ;²}Œ¨k¡;(',,P«;—r:rr+- e,{#Gr ,=i (j(,øÿ,`«};kUl;—r:rr+- e,{#Gr ,=i (j(,øÿ,0«}l;—r:rr+- e,{«Gr ,=i (j—( , ,=i$r,r=á),r=&)i ,j+jV ,=i4á),r=)i ,jÿ - ,  =)i ,j+j ,=i(  +r,r=á),r=&)i ,jÿ-jè ,=i4á),r=)i ,jÿ - ,  =)i ,j+j« ,=i( +r,r=á),r=&)i ,jÿ-jz ,=i1  ,l( “+=)i  d/-*,j-j@ ,=i(  +r,r=á),r=&)i ,jÿ-j ,=i( +r,r=á),r=&)i ,jÿ-jÞ , =i5ÿÿ  ,l( “+=)i  d/-*,j-*j  , =i  -j‹ , =ijz , =i' ,l( “+=)i ,j (, ƒjJ , =i! ,l( “+=)i ,jj ,=i(r:á) e€jš;( ,øÿ,0«}l;—r:rr+- e,{:Gr ,=i (j&(',,P«;(' -------,,P«};kl;r ,=i (j(' ,,P«l;r ,=i (j'(' 1st Mortgage Interest,,P«l;r ,=i (j%(' 1st Mortgage Points,,P«l;r ,=i (j'(' 2nd Mortgage Interest,,P«l;r ,=i (j%(' 2nd Mortgage Points,,P«l}ÿ  (  œ;( œ;( ,' Summaryš} _OPlease select the report format you would like and press 1 to continue.  I would like the @ ,} Detail Summary| Report Press 9 to back up without printing. &P ,} “( œ;( ˜,=i*( ,'Please select a report typešj;( ˜i(¸;ÿÿj?( ˜,@i( ,'DIFšj; ,' Summary=iµj¶}‰ ( œ;²}ÿ  _OThis screen will print the Summary Rental Property Analysis Report in the "Export" Format to the pathname listed below. Please choose which export format you want to use (choose "Tab" to export to AppleWorks GS): @ ,}DIFTab| (P  ,} Ready the Disk and press 1 or press 9 to back up without printing. Press 0 to stop printing once it has begun. P ,}K( œ;( , ,'DIF=)i ,jÀ;( ,À;( ,À;(  ˜,=i(( ,'Please specify a pathnamešj;( ˜,=i>(  ,'cªi*( ,'Invalid pathname--try againšjj;( ˜i(¸;ÿÿjw( ,À;r ikÂ;( +,,`«;kèj;k|;( ,À;kõ;(' Summary o,,P«;k;kÕ;(' f Rental ,,P«;k÷;kµ;(' Property ,,P«;k×;k•;(' Analysis,,P«;k¸;( ,À;r i(,À;kÙj;kÌ;kO;((Fç,, «;ky;(,r )i ,jÀ;kœ;k•;(,r )i ,jÀ;k};kv;kù;('Flow,,P«;k ;kÞ;('#,,P«;k;kÆ;(' Actual,,P«;kë;k©;(' Actual,,P«;kÎ;kŒ;('Net,,P«;k´;kr;(' After Tax,,P«;k”;kR;(' Cumulative,,P«;ks;kª;k-;('Year,,P«;kT;k;('mos.,,P«;k9;k÷;(' Cash in,,P«;k;kÙ;(' Cash out,,P«;kü;kº;('Tax,,P«;kâ;k ;(' Cash Flow,,P«;kÂ;k€;(' Cash Flow,,P«;k¢;kÙ;(,r )i ,jÀ;kÁ; iÓ—r:r +- e,{¸Gr i (j©kŽ;k2;( ,,`«;k[;k;( ,,`«;kE;k;( ,,`«;k/;kð;( ,,`«;k;kÚ;( ,,`«;k;kÄ;( ,,`«;kí;k®;((r:á) e€,,`«;kÍ}j;r ,=i˜kÕ;(,À;kÊ;kÃ;kF;( ,À;(' Internal ,,P«;k^;k;(' rate of r,,P«;k>;kü;(' eturn is,,P«;( ,À;k; ,'=i%kÈ;(' undefined.,,P«;kéj² ,è=iwkš;( ,À;(' not betwe,,P«;k²;kp;(' en -50% a,,P«;k’;kP;(' nd 150%.,,P«;( ,À;kij2kF;( d*,,1«;kk;(,r )i ,jÀ;kp;(r )i'-1,0 EOD ,j',,P«j;Õ;²}‰ ( œ;²}Œrr i(' 1,0 "" ,,P«jk"l;r i('-1,0 BOT ,,P«jkl;('/TABLE 0,1 "" VECTORS 0,9 "" TUPLES 0,,,P«l;(' "" DATA 0,0 "" ,,P«l;r i(' 1,0 ",,P«jl;r i('0,,,P«jl;r i('" ,,P«jk?l;r i(' V ,,P«jkl;—r,{Cr )i kÊþ,jk}l;r i(' ,,P«jl;(' ,,P«l}ÿ  _OThis screen will print the Detail Rental Property Analysis Report in the "Export" Format to the pathname listed below. Please choose which export format you want to use (choose "Tab" to export to AppleWorks GS): @ ,}DIFTab| (P  ,} Ready the Disk and press 1 or press 9 to back up without printing. Press 0 to stop printing once it has begun. P ,}( , ,'DIF=)i ,jÀ;( œ;( ,À;(  ˜,=i(( ,'Please specify a pathnamešj;( ˜,=i>(  ,'cªi*( ,'Invalid pathname--try againšjj;( ˜i(¸;ÿÿjM( ,À;r i…('TABLE 0,1 "" VECTORS 0,,,P«;( +,,`«;(' "" TUPLES 0,52,,P«;(' "" DATA 0,0 "" ,,P«j;ko;( ,À;k‡;(' Detailed ,,P«;k©;kg;(' Rental Pr,,P«;k‰;kG;(' operty An,,P«;ki;k';(' alysis,,P«;( ,À;kB;k«;kÖ;kø;((Fç,, «;k";k©;k¶;k°;(ó;k¨;k*;k ;( ,À;k¸;(' Actual Ca,,P«;kÚ;k˜;(' sh Out,,P«;( ,À;k³;k;kG;kú;k;(ó;k5;( ,À;kM;(' Down Pa,,P«;ko;k-;('yment,,P«;( ,À;kI;r ik¸j;  - -i"k ;(  - -,,`«;k,jk€;kb;kœ;kp;(r e¬;k[;k…;k¹;( ,š;(r e¬;k‰;kd;( ,À;k|;(' 1st Mor,,P«;kž;k\;(' tgage Pri,,P«;k~;k<;(' ncipal,,P«;( ,À;kW;( ,š;(r  e¬;kû;kÖ;ký;( ,š;(r  e¬;kÚ;kµ;kˆ;  ikî;(  ,,`«;kjkk;kM;(ó;k;k£;( ,À;(' 2nd Mor,,P«;k»;ky;(' tgage Pri,,P«;k›;kY;(' ncipal,,P«;( ,À;kt;( ,š;(r  e¬;k;kó;kA;( ,š;(r  e¬;k÷ ;kÒ;kÌ;  ik ;(  ,,`«;k4jkˆ;kj;k¤;ku;(ó;k–;( ,À;k®;(' TOTAL CAS,,P«;kÐ;kŽ;(' H OUT:,,P«;( ,À;k©;r ikj;(r e¬;kù ;r ,=ijY j;k;( ,À;k';(' Actual Ca,,P«;kI;k;('sh In,,P«;( ,À;k#;kŒ;k·;k4;k€;k«;kÍ;(' Rent,,P«;kò;r i ka;k]j;( ,š;(r e¬;kƒ ;k^;( ,À;kv;(' Sale Pr,,P«;k˜;kV;(' oceeds,,P«;k{;( ,À;ké;kL;( ,,`«;ku;(ó;ké;( ,À;k;(' Less: S,,P«;k#;ká;(' elling Co,,P«;k;kÁ;('st,,P«;( ,À;kà;k:;(,ÿÿ d/* *À;rik ;(r,,`«;kÊjk;k>;k;k6;( ,À;kN;(' TOTAL CAS,,P«;kp;k.;('H IN:,,P«;( ,À;kJ;r ik¹j;(r e¬;kš ;r ,=ijú j;k°;kÒ;(' Tax Items,,P«;kô;k{;kˆ;k;;ko;(ó;kv;( ,À;kŽ;(' Depreci,,P«;k°;kn;('ation,,P«;( ,À;kŠ;r ikùj;(r e¬;—r:r +- e,{<Gr i (j-k);(( ,'P†)i ,j,,`«;k<};kµ;k‰;(r e¬;kt ;(ó;k˜;kÌ;(r e¬;—r:r +- e,{QGr i (jBk¦;(( ,'P†)i ,já),r=)i ,j+,,`«;k¤};k;kD ;( ,š;(r  e¬;k! ;kü;kÏ ;(r e¬;k»;(ó;kß;k- ;( ,š;(r  e¬;kã;k¾;k¸ ;(r e¬;k};k§;( ,À;k¿;(' Gain on,,P«;ká;kŸ;(' Sale,,P«;( ,À;k»;r ik*j;k;k‡;(  *-,,`«;k¨;(ó;k;k>;(' Rent,,P«;kc;r i kÒ ;kÎ j;( , š;(r e¬;kô;kÏ ;( ,À;kç ;(' Suspend,,P«;k ;kÇ ;(' ed Losses,,P«;( ,À;kß ;r ikN j;( , š;(r e¬;kt;kO ;k ;kG ;( ,À;k_ ;(' NET TAX L,,P«;k ;k? ;('OSS:,,P«;( ,À;k\ ;r ikË j;(r e¬;k¬;(ó;kÐ ;( ,À;kè ;(' Allowable,,P«;k ;kÈ ;(' Portion:,,P«;( ,À;kà ;r ikO j;( ,'P†i( , šj%(  ,'A†i( , šj ( , š;kL;k' ;kI ;(' Tax Rate:,,P«;kk ;r i kÚ ;kÖ j;k7 ;( ,,`«;k` ;kº ;kÖ ;( ,À;kî ;(' NET TAX E,,P«;k ;kÎ ;(' FFECT:,,P«;( ,À;ké ;r ikX j;(r  e¬;k9;kc ;—r:r +r *+ e,{Ckú };r ,=ijtj;k* ;( ,À;kB ;(' TOTAL CAS,,P«;kd ;k" ;('H IN,,P«;( ,À;k? ;r ik® j;(r e¬;k;(ó;k³ ;( ,À;kË ;(' Less: TOT,,P«;kí ;k« ;(' AL CASH O,,P«;kÍ ;k‹ ;('UT,,P«;( ,À;kª ;(r e¬;k ;k3 ;( ,À;kK ;(' Plus: NET,,P«;km ;k+ ;(' TAX EFFE,,P«;kM ;k ;('CT,,P«;( ,À;k* ;(r  e¬;k‰;k³ ;k„;(ó;k¥ ;( ,À;k½ ;(' AFTER TAX,,P«;kß ;k ;(' CASH FLO,,P«;k¿ ;k} ;('W:,,P«;( ,À;kœ ;(r e¬;kû;k% ;k¸;(ó;k ;( ,À;k/ ;(' Cumulativ,,P«;kQ ;k ;(' e Cash Fl,,P«;k1 ;kï;('ows:,,P«;( ,À;k ;( ,š;(r e¬;k°;k‹;k;kƒ;k} ;k{;(, +À; ,>iq(,r-À;( ,À;km;(' The inter,,P«;k;kM;(' nal rate ,,P«;ko;k-;(' of return,,P«;kO;k ;(' is,,P«;( ,À;k+; ,'@ ,è@&ikö;( d*,,1«;kj£( ,À;k¯;( ,'=)i' undefined.,j' not betwe,,P«;k³; ,è=i?kf;(' en -50% a,,P«;kˆ;kF;(' nd 150%.,,P«j;( ,À;kYj;k;(r )i'-1,0 EOD ,j',,P«;Õ;²}‰ ( œ;²}Œ·r i(' ,,P«jl;(' ,,P«l;(,r )i ,jÀ;k;—r:r +- e,{GkŒ;(,,`«;kµ}l;—r:r +- e,{7Gr ,=i (j#ikC;(,,`«;kljkÀ}l;—r:r +- e,{œGr ,=i (jˆ( , ,=iá),r=)i ,j+j: ,=i4á),r=)i ,jÿ - ,  =)i ,j+jý ,=i!  +á),r=)i ,jÿ-jÓ ,=i4á),r=)i ,jÿ - ,  =)i ,j+j– ,=i! +á),r=)i ,jÿ-jl ,=i1  ,l( “+=)i  d/-*,j-j2 ,=i!  +á),r=)i ,jÿ-j ,=i! +á),r=)i ,jÿ-jÞ , =i5ÿÿ  ,l( “+=)i  d/-*,j-*j  , =i  -j‹ , =ijz , =i' ,l( “+=)i ,j (, ƒjJ , =i! ,l( “+=)i ,jj ,=i(r:á) e€jš; ik;( ,,`«;k¸jk }l;(,r )i ,jÀ;kµ;—r:r +- e,{#Gk;(' -------,,P«;k>}l;( ,À;kð;(' 1st,,P«;k+l;( ,À;kÉ;(' 2nd,,P«;kl;(' Mor,,P«;k×;k•;(' tgage Int,,P«;k·;ku;('erest,,P«;( ,À;k‘l;( ,À;kD;(' 1st,,P«;k+l;( ,À;k;(' 2nd,,P«;kl;(' Mor,,P«;k+;ké;(' tgage Poi,,P«;k ;kÉ;('nts,,P«;( ,À;kçl;( ,À;k+;k–;(' ======,,P«;( ,À;k±l;kn;(' =========,,P«;kl;( ,À;kC;(' Propert,,P«;ke;k#;('y Tax,,P«;( ,À;k?;r ik®jl;( ,À;kã;(' Mainten,,P«;k;kÃ;('ance,,P«;( ,À;kà;r ikOjl;(, r )i ,j+À;—r,{#Gkk;(' ---------,,P«;k}l;r i(' 1,0 "" ,,P«jk\ùl;r i('-1,0 BOT ,,P«jkRùl;r i(' 1,0 ",,P«jl;r i('0,,,P«jl;r i('" ,,P«jkÚøl;r i(' V ,,P«jkºøl;—r,{Ck1ÿ}l;(, r+À;käÿl;(,ÿÿÀ;kãÿl;(,À;kÔÿl;(,À;kÅÿl;(,À;k¶ÿl;(,À;k§ÿl} ÿO sO * Memory Error * M r,>}æ r,€=}¹We'resorry,butanI/OErrorhasoccurredonthediskyouwereworkingwith. Exitthechapterwithoutsavingandrecoverfrombackups. Onlythissessionsentrieswillbelost. ***SeriousMemoryError***þ r,=}º!*FILEFULL* We'resorry,but"compound.db"doesn'thaveenoughfreememoryforustocarryouttherequestedfunction. Reducingthenumberofcashflowsmayfreeupmemory. 9 r,=}\!*DISKFULL* We'resorry,butyourdiskdoesn'thaveenoughfreememoryforustocarryouttherequestedfunction. Moving"compound.db"toit'sowndiskwillalleviatethisproblem. (Seepage45inthemanual.)Iftheonlyfileonthediskis"compound.db"maybeyoucanreducethenumberofcashflows. Thiswillfreeupsomespace. Ò r,=} ***MaximumLengthRow***§ r,=}+*MAXIMUMRECORDS* We'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Themaximumnumberofrecordsallowablein"compound.db"hasbeenreached. Thesimplestsolutionwouldbetoreducethenumberofcashflows. Thiswillfreeupsomespace. q r,=}Œ*FRAGMENTEDDATABASE* We'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Duetouse,"compound.db"hasbecomefragmented. Beforeusing"compound.db"again,youmustscrunchit. ThisiseasilyaccomplishedbyreturningtotheMainMenuandselecting"S"forScrunchaDatabase. Afterscrunching,feelfreetoresumewhatyouweredoing. ÚWe'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Thesimplestsolutiontothisproblemwouldbereducethenumberofcashflowsyouhave. Thiswillfreeupsomespace. Press 0 to return to the FINANCIAL CALCULATOR Mini Menu. ŠX}’“”•–—˜™š›œžŸ ¡¢£¤¥¦§¨©ª«¬­®¯°±²³´µ¶·¸¹º»¼½¾¿ÀÁÂÃÄÅEEU­ $'Zq.À 1<V‡D'®E ËN) ôY3'`_winkie livesÿ  ,=}FA( ,š;( :eœ;(,r+À;(,r eÀ;(,rÀ}r ,}r }4( ,À;( ,À;r i(,r À;( ,Àj}  Ms O M* Assets & Liabilities *  r, >};These items aggregate to P(r e• e,}.  r, =}r}@-P r e,} ÿr r e,}kÏ}  P ,}  r,>}ó-Pr+ e,} ÿrr+ e,}kz}  P ,}  r,>}ž-Pr+ e,} ÿrr+ e,}k%}  P ,}  r,>}I-Pr+ e,} ÿrr+ e,}kÐ}  P ,}  r,>}ô-Pr+ e,} ÿrr+ e,}k{}  P ,}  r,>}Ÿ-Pr+ e,} ÿrr+ e,}k&}  P ,}  r,>}J-Pr+ e,} ÿrr+ e,}kÑ}  P ,}  r, =}ˆ  ,ÐcA>}/Sure, sure. And I'm King Henry VIII. D ,`ãFA>}$Call me.   ,€„>A>}4In Texas, they call $100 million "a unit." Ú ,j(A>}7Every charity in the world must be after you. ‘ , Ö#A>}@ More than enough for a "fixer-upper" in Beverly Hills. ? ,€„A>};Already more than half way to your first big one! ò ,jA>}RYou're richer than 99.9% of the world -- so why don't you feel that way? Ž ,jø@>}@ Remember when $100,000 was all the money in the world? < ,<}.You owe more than you own. Be careful.  r,=})There are no items at this level. IH ‹ Lá),@i$á),( •+=i(¸;þÿjjj( ,rÀ;(,rÀ;(r,r ž;ÿÿ}/r,r=)i(¸;þÿ,j(,(r-,r„À;ÿÿ} IE Š —Br,rr+-A)i(¸;þÿ,j#(,(r+,(r,rr+-„ƒÀ;ÿÿ}•^á),@i#á),( •r+=i(¸;þÿjjj2(,(r,rr+-„À;( ,rr+-À;(r ,r ž;ÿÿ}(r,r>)i(,r-À;à,j(¸;þÿ}/r,rr+-<)i(,r+À;à,j(¸;þÿ}f¹(  ,š;( ,Ùš;( ,™;( , š;( ,™;—r:rr+rr-- e,{8G(, †(, †|i(  ,á)š;(  ,š;(j};  i)(,(  ,(r,rr+-„ƒÀ;(  ,žj(¸;ÿÿ}O &P ,} sO r,( + e•>}¡s O !NEW ITEM LINE Name/Value Type -P ,} r ,}  @ ,} Aggregate Individual| 1 - Add item from NEW ITEM LINE to this level ê( œ;Ô,è}b3 - Extract value of this item from elsewhere 24 - Move an item 5 - Delete this item ƒÄ( œ;á),=i%( ,'Point to an itemš;(¸jŒ( ,á)À; ,' Extract@i4( ,'"This is not an Extractible itemš;(¸j> ,Q=i(( ,(Qç(Vç+(Tç+(Uç+(Rç+šj ( ,( çš;ÿÿ}… ( œ;á),=i( ,'Point to an itemšjÅ( ,á)À;( ,À;( ,À; ,' Extract=i)( ,'Cannot delete one of thesešjn ,' Individual=ik®jR( • ei3( ,''Cannot delete: has subordinate itemsšj(( • e¢;k[;( ˜i(¸;ÿÿj }„(( œ;(,À;( ,á)À;( ,rÀ;*}7 - Move down a level ‡×( œ;á),=i( ,'Point to an itemšj‘ ,' Aggregate@i*( ,'This is a bottom level itemšjT(r e,á)š;(r e,rš;(,( •À;( ,š;( ,r+À;( ,À;( ,À;( ˜i(¸;ÿÿj } r, >}×28 - Move up a level ˆk( œ;r, >iSkç;(,((r e• e•À;( ,r eÀ;( ,À;( ,r eÀ;( ,šj; }9 - Jump to top level (Net Worth) ‰$( œ;kÞ;(, À;( ,š; }20 - Exit Net Worth Chapter Š( œ;k—;(,À;!}Œh(r e•, +=i.( + e,r+ er+ e-šj@((r e• e,r ei(r+:rr e+ e€jšl;r,( + e•=ikgÿj`r,( + e•>iG(,rÀ;kBÿ;(,((r e• e•À;r, >ijØÿj;(,rÀjl;(r e,r e-š;(¢;(,r-À;(,(r,(r,rr+-„ƒÀl; ,' Aggregate=)i ,jl}ÿ  r,=} sN* Leaving Chapter 8 * JDecidewhethertosaveyourlatestactivityortoabandonthechangesyoujustmadetoyourChapter8data. 1 - Save, then exit 5 - Exit without saving 0 - Don't exit -- go back to where I was in chapter 8 sK Press1ifyouaresureyouwishtoleavewithoutsaving,or0togobacktowhereIwas. (¸} r,=}O…(,À;!}6rij j;(,À;(' networth¨i jR}(,À;Ý;R}Š(,À; }ÿ _O$( ˜)i ,j( ,' Printerš}Choose type of Report: @ ,} Bank-Style Corporate1 Level of Detail234All| The Bank-Style report is WIDER than 80 columns,  so if you select the SCREEN option, it will look awful.  Print to: @ ,}Disk Printer Screen|  If you select disk, then enter pathname below  (P ,} Ready the Printer or Disk and press 1 or press 9 to back up without printing. Press 0 to stop printing once it has begun. P ,}¦( œ;( ,À; ,' Printer=i('prn:,'aªj¯ ,' Screen=( ˜,=|i( ,'šj8( ˜,=i(( ,'Please specify a pathnamešj;( ˜,=i>( ,'cªi*( ,'Invalid pathname--try againšjj;( ˜i(¸;ÿÿj­((Fç,, «;(' ,,P«;('Balance Sheet ,,P«;(, +À; ,' Corporate=ikcj! ,' Bank-Style=ikjk>;(' ,,P«;Õ;( œ;( œ; }‰( œ;( œ; }ŒÊ(,À; ,'1 Level of Detail=i( ,šjV ,'2=i( ,šj= ,'3=i( ,šj$ ,'4=i( ,šj ( ,èš;(ó;r ijdj;r e,' Extract@r e,@|i]r, ?iM(' ,,P«;(',r*,P«;(r e,-,P«;(r e,ñÿ,‚«jj;r e,' Aggregate=iC(r e• ei*(,r+À;(,(r e•+À;jÿjj;r,(r e•(r e• e+}>These items aggregate to P(r e• e,}. r}-P r e,} r r e,}  P ,}  r,>}Ï-Pr+ e,} rr+ e,}  P ,}  r,>}€-Pr+ e,} rr+ e,}  P ,}  r,>}1-Pr+ e,} rr+ e,}  P ,}  r,>}â-Pr+ e,} rr+ e,}  P ,}  r,>}“-Pr+ e,} rr+ e,}  P ,}  r,>}D-Pr+ e,} rr+ e,}  P ,} IH ‹ 6á),( •+=)i(¸;þÿ,j( ,rÀ;(,rÀ;*}/r,r=)i(¸;þÿ,j(,(r-,r„À;ÿÿ} IE Š —Br,rr+-A)i(¸;þÿ,j#(,(r+,(r,rr+-„ƒÀ;ÿÿ}•Ká),( •r+=)i(¸;þÿ,j-( ,(,rƒ-(,(r,rr+-„ø+À;*}(r,r>)i(,r-À;à,j(¸;þÿ}/r+r-,r<)i(,r+À;à,j(¸;þÿ}f¹(  ,š;( ,Ùš;( ,™;( , š;( ,™;—r:rr+rr-- e,{8G(, †(, †|i(  ,á)š;(  ,š;(j};  i)(,(  ,(r,rr+-„ƒÀ;(  ,žj(¸;ÿÿ}O r,=}K sOPlace cursor on the item you wish to move and press 1. _sO Now move the cursor anywhere and press 1.  Your item will appear just above. <9 - Back up  r,=}JC(,á)À; ,' Aggregate=i(,Àj (,À;( ,á)À;*})%r,á)@ir,á)>i(,r+Àj;( ¡;r,=iAr,á)>i((r e• e,( ®›j((r e• e,( ®›j;(r :e,  :e¥;( ,á)š;( ,(  •À;(,r eÀ;—r :re,{3G(•,r=i"(,(  e®›;( œ;(j};(r e¢j;(,À;( ,á)À;*}‰( œ;( ,á)À;( ,rÀ; }ÿ  ,=}*%( ,š;(,(  •+À;(,rÀ}4( œ;( ,(  •+ eš;( ,(  •  + eš} * Net Worth History * d O NIH ‹  IE Š DateAssets+Liabilities?Net Worth   ,=}0THERE ARE NO ENTRIES IN THIS LIST.... ÷O  }„ r e,} r r e,} r r e,} rr er e-,}   ,>} r+ e,} rr+ e,} rr+ e,} rr+ er+ e-,}   ,>} r+ e,} rr+ e,} rr+ e,} rr+ er+ e-,}   ,>}  r+ e,} rr+ e,} rr+ e,} rr+ er+ e-,}   ,>}ˆ r+ e,} rr+ e,} rr+ e,} rr+ er+ e-,}   ,>} r+ e,} rr+ e,} rr+ e,} rr+ er+ e-,}   ,>}€ r+ e,} rr+ e,} rr+ e,} rr+ er+ e-,}   ,>}ü r+ e,} rr+ e,} rr+ e,} rr+ er+ e-,}   ,>}x r+ e,} rr+ e,} rr+ e,} rr+ er+ e-,} 6á),r=)i(¸;þÿ,j( ,(,røš;( ,ž;ÿÿ}/r,r=)i(¸;þÿ,j(,(r -,r„À;ÿÿ}—Dr,r  + -A)i(¸;þÿ,j$(,(r +,(r,r  + -„ƒÀ;ÿÿ}•Wá),  r+-=)i(¸;þÿ,j7( ,r  +-š;(,(r,  -+„À;( ,ž;ÿÿ}(r,r>)i(,r-À;à,j(¸;þÿ}0r +r-,  <)i(,r+À;à,j(¸;þÿ}N Press1toaddyourcurrentnetworthtoNetWorthHistory. Onlyoneentryisallowedforanysinglemonth. Anypreviousentryforthecurrentmonthwillbeoverwritten. 2P ,} sO1 - Add current net worth to History ( ,(  •-š;k;k¨;4}2 - Add previous History ‚km;( ,š;:}  }›/4 - Print History „6}5 - Delete History records from   ,}m,(  •+ e<,(  •  + e>|)i<'5Beginning date must be in range of current entries,j} through   ,}j,(  •  + e>,(  •+ e<|)i9'2Ending date must be in range of current entries,j} …T , >i-( ,'!Your range of dates is invalidšj;( ˜i(¸;þÿj8}/0 - Return to Net Worth Š( ,š; } Œ](  e,(Fçš;( ,š;( ,š;—(  • e-,{`G((  • e˜,=ikI;( ,šj+( ,((  • e•š;(  e,  eš;( , +š}l;( ,( + e•š; ,=i( ,( + e•šj( ,( + e•š;(  e,š;( ,š;— +:   e+ e,{DG,' Extract@i(  e,  e +šj;( ,  +š};(  )i ,je, šl;( ,rš;( ,ršl;( , š;(  ,((  e‘,,(  e“”š;(,À;( ,(  •  ++š;  i~—(  •+:(  •  + e,{]G((‘,,(“”,  Ai?(“,(  “=(‘,(  ‘=&i(,Àj;( ,á)š;(j}j;r,=i(  e¡;(  ,  +šj;(  :e,  e¥;( ,š;kF;(  e, š;( , +š;k$;(  e, š;(  :eœl;( ,š;—,{JG( ,   e+š;(  • e,'Misc.=i (j;( , +š}l}ÿ O _OL( ,' Printerš;( œ;( œ;( ,(  •+ eš;( ,(  •  + eš}LWARNING! ThiscanbeaWIDEprintout. Therangeofdatesdeterminesthenumberofcolumnsofnumbersthatwillbedisplayedononepage. IFYOUSELECTTOPRINTMORETHAN3DATES,YOUMUSTHAVEAWIDECARRIAGEPRINTER.  Print to: @ ,}Disk Printer Screen| Print entries from   ,}m,(  •+ e<,(  •  + e>|)i<'5Beginning date must be in range of current entries,j} through   ,}j,(  •  + e>,(  •+ e<|)i9'2Ending date must be in range of current entries,j}. If you select disk, then enter pathname below (P ,} Ready the Printer or Disk and press 1 or press 9 to back up without printing. Press 0 to stop printing once it has begun. #P ,}†( œ;( ,À; , >i-( ,'!Your range of dates is invalidšjÕ ,' Printer=i('prn:,'aªj¯ ,' Screen=( ˜,=|i( ,'šj8( ˜,=i(( ,'Please specify a pathnamešj;( ˜,=i>( ,'cªi*( ,'Invalid pathname--try againšjj;( ˜i(¸;þÿjW((Fç,, «;(' ,,P«;('Net Worth History ,,P«;k;k;k;Õ;4}‰4}ŒW(',,P«;—(  •+:(  •  + e,{:G, A, ?&i!(,ðÿ, «;(',,P«j};(' ,,P«l;( ,š;(  ,š;kA;—(  • e-,{tG(((  • e• e,,P«;kX;((  • e˜,=i*k8;  ,=i(' ,,P«jj;( , +š};kýl;( ,(  •+š;—(  •+:(  •  + e,{ºGr )i (,j;  e, A  e, ?&it ,=i"(  e  e-,ðÿ,r«j7  e,=i(',,P«j(  e,ðÿ,r«;(',,P«j;( , +š};(' ,,P«l;( , š;k®;  ,=i*('Total Assets:,,P«;( ,šj\  ,=i/('Total Liabilities:,,P«;( ,šj$(' Net Worth:,,P«;( ,š;kjþ;( , š;(  ,  +šl;— *+,{G('-,,P«};(' ,,P«l;( ,š;—(  •+:(  •  + e,{+G, A, ?&i( , +šj}l}ÿ O _OM Press 1 to delete all history records from   ,} through   ,}. Or press 9 to back up without deleting. ‚(  ,  š;( ,(  •  +š;—  ,{QG  e, A  e, ?&i(  e¢;(  ,  -šj;( , -š};( ,š;4}‰4}ÿ W(,À;(,rÀ;(  ,(  • eš;( ,(  •š;( , -š;(  :%eœ;( œ}  }( * View/Edit Net Worth History * '* Add previous Net Worth History * dOIH ‹ IE Š Name;Amount MM-P(  re• e,} r   re,}k} -P(  r+e• e,} r  r+e,}kÕ} -P(  r+e• e,} r  r+e,}k‘} -P(  r+e• e,} r  r+e,}kM} -P(  r+e• e,} r  r+e,}k } -P(  r+e• e,} r  r+e,}kÅ} -P(  r+e• e,} r  r+e,}k} -P(  r+e• e,} r  r+e,}k=} -P(  r+e• e,} r  r+e,}kù} -P(  r +e• e,} r  r +e,}kµ} -P(  r +e• e,} r  r +e,}kq} -P(  r +e• e,} r  r +e,}k-} -P(  r +e• e,} r  r +e,}ké} /â),r=)i(¸;þÿ,j(,rÀ;( ,rž;ÿÿ}/r,r=)i(¸;þÿ,j(,(r -,r„À;ÿÿ}—Br,   -A)i(¸;þÿ,j%(,(r +,(r,   -+„ƒÀ;ÿÿ}•?â),  =)i(¸;þÿ,j&(,(r,   -+„À;( ,  ž;ÿÿ}(r,r>)i(,r-À;à,j(¸;þÿ}1r +-,  <)i(,r+À;à,j(¸;þÿ}MUsethisscreentoenterNetWorthHistoryentriesmanually. P ,} sO1 -  }Update Add History entry on date:    e,} [( œ;(  e˜,=i"( ,'Must specify a datešj;( ˜i(¸;þÿj kÌ;:}9 - Back up without  }updating adding50 - Return to Net Worth ‰ k;4}Š( ,š; }Œù(, À;(, À;( ,šl;,<)i (¸;'Must be positive,jl;(  ,((  e‘,,(  e“”š;(,À;( ,(  •  ++š;  i~—(  •+:(  •  + e,{]G((‘,,(“”,  Ai?(“,(  “=(‘,(  ‘=&i(,Àj;( ,á)š;(j}j;r,=i(  e¡;(  ,  +šj;(  :e,  e¥;( ,š;k6;(  e, š;( , +š;k;(  e, šl;( ,š;—,{JG( ,   e+š;(  • e,'Misc.=i (j;( , +š}l}ÿ Os:_:OVersion 5.0Andrew Tobias' Managing Your Money                                       ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ "ŸMAIN MENUš O1 Hello, New User 2 Reminder Pad 3 Budget and Checkbook 4 Income Tax Estimator 5 Insurance Planning 6 Financial Calculator 7 Portfolio Manager 8 Your Net Worth 9 Card File 0 Leave MYM R Generate Reports S Scrunch Your Data C Set Configuration JAlwaysreturntotheMAINMENUandpress0beforeremovingyourdisksandshuttingoffyourmachine. Otherwise,youmightforgettosavedatayou'veentered. For help see message 50. -kb;(,(' little©À;r,>idjR}‚ƒk;(' Remind.DB,P,, ,$³;(,(' remind©À;r,>i> %,i¥ %,2i %,2i# %,2i@ %,(i( ,š;(  ,š;( ,š; ik—( •:( • + e,{NG,'CMA=i:( ç -,= ( ç-,d-=|i( ,( çšjj}j; ,'Yes= ,(Fç<&i(,Àj (,À; %,(iQ( ,š;(, À;( ,À;( ,À;( ,À; %,I@i- %,2i %,2iPjR}ŒU('*_______________________________________,P,, ,³;('š,P,(, ,³;('Ÿ,P,, ,;³;('%š Retrieving . . . .,P,(, ,³;('Ÿ,P,, ,;³;('š,P,(, ,³;('Ÿ,P,, ,;³;('*ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ,P,,,³l;kÑþ;(' Little.DB,P,, ,$³l}ÿ   *H  FBeforeyougointoyourChapter8forthefirsttimewithManagingYourMoneyVersion5.0,wehavetore-organizeyourdata.  Ô,Ð>}(PressEnterandwe'lldoit. Itdoesn'ttakelong. PleasedonotusethisdatainanearlierversionofManagingYourMoneyonceit'sbeenthroughconversionandyou'vesavedthechapter. Itmaydestroyyourdata.  E %,G,' Extract=i&((  •  e,( ®›;(  ,  +šj}l;(,À;(,( •À;(,rÀ;—r,{ŠGr e,i=r e,j=|iZ((r e• e,(r e• e-š;(r e¢;(,r+À;r,=i (jj;(,r-À};( ,š;(, À;( ,À;( ,À;( ,Àl;(( •+ e¡;(  ,(( •+ e®›;(  ,š;—,{G((  • e¡};(  ,( + e•š;( ,(  + e•š;( ,(  + e•š;((  •- e,'Misc. Assetsš;((  •- e,'Misc. Liabilitiesš;(  ,š;kÜý;((  •  e,'Misc.š;((  •  e,((  •- e®›;(  ,  +š;( , š;kˆý;((  •  e,'Misc.š;((  •  e,((  •- e®›;((  • e,  š;( %,D@šl;( ,( •À;(r e,r e+š;( ,r +À;(r e¡;(r e,'0Owed on Home Equity Accounts [from Chapt. 3]š;(r e,(r - e®›;(r e,' Extractš;(r e,7š;( %,2šl}ÿO sO * Memory Error * M r,>}æ r,€=}¹We'resorry,butanI/OErrorhasoccurredonthediskyouwereworkingwith. Exitthechapterwithoutsavingandrecoverfrombackups. Onlythissessionsentrieswillbelost. ***SeriousMemoryError***ÿ r,=}»!*FILEFULL* We'resorry,but"networth.db"doesn'thaveenoughfreememoryforustocarryouttherequestedfunction. Reducingthenumberoftributariesmayfreeupmemory. 9 r,=}^!*DISKFULL* We'resorry,butyourdiskdoesn'thaveenoughfreememoryforustocarryouttherequestedfunction. Moving"networth.db"toit'sowndiskwillalleviatethisproblem. (Seepage45inthemanual.)Iftheonlyfileonthediskis"networth.db"maybeyoucanreducethenumberoftributaries. Thiswillfreeupsomespace. Ð r,=} ***MaximumLengthRow***¥ r,=}-*MAXIMUMRECORDS* We'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Themaximumnumberofrecordsallowablein"networth.db"hasbeenreached. Thesimplestsolutionwouldbetoreducethenumberoftributaries. Thiswillfreeupsomespace. m r,=}Œ*FRAGMENTEDDATABASE* We'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Duetouse,"networth.db"hasbecomefragmented. Beforeusing"networth.db"again,youmustscrunchit. ThisiseasilyaccomplishedbyreturningtotheMainMenuandselecting"S"forScrunchaDatabase. Afterscrunching,feelfreetoresumewhatyouweredoing. ÖWe'resorry,butyoudon'thaveenoughfreememoryforustocarryouttherequestedfunction. Thesimplestsolutiontothisproblemwouldbetoreducethenumberoftributaries. Thiswillfreeupsomespace. Press 0 to exit from YOUR NET WORTH. Š(,À;(,À;!}ÇÈÉÊËÌÍÎÏÐÑÒÓÔÕÖ×ØÙÚÛÜÝÞßàáâãäåæçèéêëìíîïðú ú „ œP ì$- .Vo<ÕD?) mJœwinkie livesÿ  ,=}S :( ,š;( ,š;( ,š;( ,À;( œ;( ,À}  r ,}}*( ,À;r i( ,r š;( ,Àj}  sO N!* Card File * NLast Name First Who Telephone Ext P   e,} P ,} P ,} P ,} P ,}  ,>}ðP + e,} P ,} P ,} P ,} P ,}  ,>}ŠP + e,} P ,} P ,} P ,} P ,}  ,>}$P + e,} P ,} P ,} P ,} P ,}  ,>}¾P + e,} P ,} P ,} P ,} P ,}  ,>}XP + e,} P ,} P ,} P ,} P ,}  ,>}òP + e,} P ,} P ,} P ,} P ,}  ,>}ŒP + e,} P ,} P ,} P ,} P ,}  ,>}&P + e,} P ,} P ,} P ,} P ,}  , >}ÀP  + e,} P ,} P ,} P ,} P ,}  , >}ZP  + e,} P ,} P ,} P ,} P ,} )P ,} MIH ‹ 8á),=)i(¸;þÿ,j( ,( , ÷À;( ,ž;ÿÿ}3 , =)i(¸;þÿ,j( ,(  -, „š;ÿÿ}IE Š —I ,  + -A)i(¸;þÿ,j'( ,(  +,( ,  + -„ƒš;ÿÿ}•[á), +=)i(¸;þÿ,j>( ,( ,  + -„š;( ,( , ƒ- +À;(r ,ž;ÿÿ}+ , >)i( , -š;à,j(¸;þÿ}3  + -, <)i( , +š;à,j(¸;þÿ}fÁ(  ,š;(  ,Ùš;(  ,™;( ,  š;(  ,™;— :  +  -- e,{8G(,  †(, †|i(  ,á)š;(  ,š;(j};  i,( ,(  ,( ,  + -„ƒš;(  ,žj(¸;ÿÿ}sO1 - Add a new record b( œ;Ô,èAi( ,š;k„;Žj>( ,'+You do not have enough memory to do thisš;(¸;þÿ}2 - View/Edit record pointed to ‚S( œ;kÛ;( ˜,=i4( ,š;kõ;(  :-e, :-e¥;Žj ká;þÿ} ,>}h3 - Delete record pointed to ƒs( œ;á),=i;( ,'%You cannot delete the first recordš;(¸;þÿj)k;( ˜,=i( ,á)À;‰j k>;þÿ}4 - Print your Card File „( ,á)À;( , À;( œ;˜}$5 - Search by  @  ,} Last NameFirstWho| for  P  ,} …â( œ;(  ˜i„(  ˜iP  ,' Last Name=i(,Àj(  ,'First=i(,Àj (,À;k`j+( ,'"Need a category to Turbo-searchšj+( ,'"A Key is needed to Turbo-searchš;( ˜i (¸j( ,r š;(r ,ž;ÿÿ}$6 - View Special Codes †( ,„š;k™;¢}$7 - QuickEdit Special Codes ‡ kk;“}$0 - Leave this Chapter Š(,À;…}Œ( ,á)À;( ,š;( ,(r ,( ,  + -„ƒÀl;( œ;( ,á)À;( , Àl;á), +=i( ,á)š;kúj$á),>i( ,á)+šj ( ,š; iV— : + re,{>G(  ,ò,=ikGÿ;(já), +=ikŠ;(j}jl;( ,á), <)i 'Please point to a name,j'šl;( ,á)À;( ,„šl;( ,'Please point to a recordš;(¸l;( ,'%A(nother) match could not be foundšl} ÿ  r,=} sN* Leaving Chapter 9 * JDecidewhethertosaveyourlatestactivityortoabandonthechangesyoujustmadetoyourChapter9data. 1 - Save, then exit 5 - Exit without saving 0 - Don't exit -- go back to the Card File tK Press1ifyouaresureyouwishtoleavewithoutsaving,or0toreturntotheCardFile. (¸} r,=}T…(,À;…};rijj;( œ;(,À;(' records¨i„j¶}(,À;Ý;¶}Š(,À;„}ÿ _ O Please verify your decision to delete this record.  Press 1 to proceed with this deletion or press 9 to back up without doing anything. c(r e¢;( , -š;( ,( ,( ,  + -„ƒš;r , +=i( ,á)-Àj ( ,á)À;„}‰„}ÿ  *  }View/Edit record *Add a new record *1 -  } UpdateAdd this record  }]sO19 - Back up without updating 2 - Update this record and edit next one )sO19 - Back up without adding sOOFirst Name P ,} Last P ,} Who? P ,} Title #P -,} Phone Num P ,} Ext P ,} Add. P ,} P ,} P ,}   @  ,} AccountantAnniversary Birthday ChildrenChurch/ClericClubs Dentist DoctorDriver's Lic.Emerg Contact Employer Executor Height/Wgt Home PhoneIntroduced By Job Title Lawyer Off. Phone ParentsSafe Dep Box Schools Secy/Asst.SizesSoc. Sec. # SpouseWill Location| P  ,}  @  ,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P  ,}   @  ,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P ,}  @ ,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P ,}   @ ,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P ,}  @ ,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P ,}   @ ,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P ,}  @ ,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P ,}   @ ,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P ,}  @ ,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P ,}   @ ,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P ,}  @ ,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P  ,}   @ !,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P ",}  @ #,}|ABCDEFGHIJKLMNOPQRSTUVWXYZ| P $,} ONotes FP ),} BP *,} Code P ,,} P ,} A( ˜,=( ˜,=|i.( ,'Please fill in a nameš;(¸;ÿÿjü( œ; ii( :-e,r e¥;( :-eœ;r ,>i0(: + :-e,,,,,§jj…( ¡;( , +š;( :-e, :-e¥;( :-eœ;( ,( ®›;(: + :-e,,,,,§;k£;( ; } }1‚-( ˜,=( ˜,=|i.( ,'Please fill in a nameš;(¸;ÿÿjè( œ; i-( :-e,r e¥;( :-eœjo( ¡;( , +š;( :-e, :-e¥;( :-eœ;(: + :-e,,,,,§;r , +Ai j/( ,r +À;(r :-e, :-e¥;Ž}‰Xr ,>i0(: + :-e,,,,,§j;( :-eœ;( œ; }Œ/( ,(( •,( ,  + -„ƒš;( ,( •Àl}ÿ r ,},}/( ,À;r ,@i( ,r š;( ,Àj}  dO N* QuickEdit Special Codes * NLast Name First Who Telephone Codes  }¼P   e,} P ,} P ,} P ,} P   ,e,}  ,>}TP + e,} P ,} P ,} P ,} P + ,e,}  ,>}äP + e,} P ,} P ,} P ,} P + ,e,}  ,>}tP + e,} P ,} P ,} P ,} P + ,e,}  ,>}P + e,} P ,} P ,} P ,} P + ,e,}  ,>}”P + e,} P ,} P ,} P ,} P + ,e,}  ,>}$P + e,} P ,} P ,} P ,} P + ,e,}  ,>}´P + e,} P ,} P ,} P ,} P + ,e,}  ,>}DP + e,} P ,} P ,} P ,} P + ,e,}  , >}ÔP  + e,} P ,} P ,} P ,} P  + ,e,}  , >}dP  + e,} P ,} P ,} P ,} P  + ,e,} MIH ‹ 6á), =i(¸;þÿj( ,( , ÷À;( ,,ž;ÿÿ}7 , =i(¸;þÿj( ,( ,(  -, „÷À;ÿÿ}IE Š —g ,  + -Ai(¸;þÿjG( ,(  +,( ,  + -„ƒš;( ,(  +-,  +-ƒÀ;ÿÿ}•]á),  +-=i(¸;þÿj>( ,( ,  + -„š;( ,( , ƒ- +À;(r ,,ž;ÿÿ}) , >i( , -š;àj(¸;þÿ}1  + -, } ( ,š}r ,}+}*( ,À;r i( ,r š;( ,Àj}  sO N* Print your Card File * Mark Last Name First Who NP   +e,} P ,} P ,} P ,}  ,>}‚P + +e,} P ,} P ,} P ,}  ,>}'P + +e,} P ,} P ,} P ,}  ,>}ÌP + +e,} P ,} P ,} P ,}  ,>}qP + +e,} P ,} P ,} P ,}  ,>}P + +e,} P ,} P ,} P ,}  ,>}»P + +e,} P ,} P ,} P ,}  ,>}`P + +e,} P ,} P ,} P ,}  ,>}P + +e,} P ,} P ,} P ,}  , >}ªP  + +e,} P ,} P ,} P ,}  , >}OP  + +e,} P ,} P ,} P ,} P ,}  Mark the records you wish to print and press 1. IH ‹ <á),=)i(¸;þÿ,j#( , À;( , š;( ,+ž;ÿÿ}3 , =)i(¸;þÿ,j( ,(  -, „š;ÿÿ}IE Š —I ,  + -A)i(¸;þÿ,j'( ,(  +,( ,  + -„ƒš;ÿÿ}•Wá), +=)i(¸;þÿ,j:( ,( , ƒ-( ,( ,  + -„÷+À;(r ,+ž;ÿÿ}+ , >)i( , -š;à,j(¸;þÿ}3  + -, <)i( , +š;à,j(¸;þÿ}fÁ(  ,š;(  ,Ùš;(  ,™;( ,  š;(  ,™;— :  +  -- e,{8G(,  †(, †|i(  ,á)š;(  ,š;(j};  i,( ,(  ,( ,  + -„ƒš;(  ,žj(¸;ÿÿ}sOM1 - Print marked items(3 - Erase all marks FkV;r,=i k‰;j-( ,'You must mark somethingš;(¸;þÿ}2 - Mark all items(4 - Mark items with this code: P  ,}‚*—: + +e,{G(,'xš};ÿÿ}ƒ$—: + +e,{ G(œ};ÿÿ}„:—: + +e,{G(  , ,†i(,  šj};ÿÿ}9 - Back up without doing anything ‰( œ;kW;„}Œb(,À;—: + +e,{!G(˜i(,À;(j}l;k ;( œl;( ,á)À;( , Àl}ÿ >( ˜,=i( ,' Printeršj;(  ,'Address Listš} _O Print to: @ ,}Disk Printer Screen| If you select disk, then enter pathname below (P ,} Ready the Printer or Disk and press 1 or press 9 to back up without printing. Press 0 to stop printing once it has begun. Select type of report desired:  @  ,} Phone ListAddress List LabelsFull Record Rolodex| If Labels or Rolodex, tell us the number of lines per label/card: ` ,} (Standard Rolodex is 13 lines per card)  9P ,}j ( œ;( ,  ,' Phone List=)i ,jY  ,'Full Record=)i ,j:  ,' Rolodex=)i ,j  ,' Labels=)i ,jš;( ˜,=i® ,=iJ( , ,<)i1'*Labels have to have at least five lines,j'šjX ,=iJ( , , <)i1'*Rolodex has to have at least nine lines,j'šjj; ,' Printer=i1 ,= ,=|iÖj;('prn:,'aªj¯ ,' Screen=( ˜,=|i( ,'šj8( ˜,=i(( ,'Please specify a pathnamešj;( ˜,=i>( ,'cªi*( ,'Invalid pathname--try againšjj;( ˜i(¸;ÿÿj& ( ,À; ,=i(' Phone List,,P«;k+ ;k] ;('Name,$,P«;('Who,,P«;('Phone,,P«;('Ext,,P«;k- ;k ;k% ;—: + +e,{ðGr i (já(˜iÖ( ,,P«;( ,,P«;( ,,P«;( ,,P«;( ,,P«;k¯;—   :#e,{wGil,' Home Phone=ik;('(H),,P«;kþj7,' Off. Phone=ikÒ;('(O),,P«;kÌjj}j}j; ,=iò('Full Record,,P«;kœ;—: + +e,{»Gr i (j¬(˜i¡k¢;( ,,P«;(',,,P«;( ,,P«;(',,P«;( ,,P«;kt;( -,,P«;(',,P«;( ,,P«;( ˜i('X,,P«j;( ,,P«;k;( ,,P«;(',,P«;( ,,P«;(',,P«;( ,,P«;kÍ;(,À;(, À;—,{.G(  re˜(  r+e˜|(  r+e˜|(  r+e˜|iâr,=i(,À;k^j;((  re˜)i  re,j',,P«;((  r+e˜)i  r+e,j',,P«;((  r+e˜)i  r+e,j',,P«;((  r+e˜)i  r+e,j',,P«;k˜j;(,r+À};( )˜( *˜|ikrj;( )˜i( ),F,P«;kRj;( *˜i( *,L,P«;k2j;k(j}j; ,=iê—: + +e,{ÑGr i (jÂ(˜i·kà;( ,,P«;(',,P«;( ,,P«;k±;( -˜i( -,,P«;k—j;( ,,P«;k;( ,,P«;km;( ,,P«;( -˜i— -,{CkF}j— -,{Ck2}j}j; ,=i<('Address List,,P«;k¥;k×;—: + +e,{Gr i (jñ(˜iæ( ,,P«;(',,,P«;( ,,P«;(',,P«;( ,,P«;(',,P«;( ,,P«;(',,P«;( ,,P«;kC;(',,P«;( ,,P«;(',,P«;( ,,P«;(',,P«;( ,,P«;kèj}j; ,=ikÌ;—: + +e,{çGr i (jØ(˜iÍ(  œ;(  œ;—   :#e,{]G(,ˆiL,' Home Phone=i(  ,šj',' Off. Phone=i(  ,šjj};( ,,P«;( ,,P«;( ˜i"('X,þÿ,P«;( ,,P«j;kÚ;—',{G('-,,P«};k¼;( ,,P«;(',,P«;( ,,P«;k;( -,,P«;k{;( ,,P«;ki;( ,,P«;kW;( ,,P«;kE;(  ˜i"('O,,P«;(  ,,P«j;k;(  ˜i"('H,,P«;(  ,,P«j;— -,{CkØ}j}j;kÆ;Õ; ,' Printer= ,= ,=|&iÖj;( œ;˜}‰ ( œ;˜}ŒŒ(',4,P«l;(,,P«;kYl;(' Report printed: ,,P«;((Fç,, «;k#l;—O,{G('-,,P«};kl;(' ,,P«l}ÿ * Special Codes * dO 'a P  ,} b P  ,} c P  ,} d P ,} e P ,} f P ,} g P ,} h P ,} i P ,} j P ,} k P ,} l P ,} m P ,} -N-n P ,} o P ,} p P ,} q P ,} r P ,} s P ,} t P ,} u P ,} v P  ,} w P !,} x P ",} y P #,} z P $,} MsOMaintainthesecodesasyouseefit. (SeeHELPforideas.)Justbesureyoudon'tinadvertentlychangeoneyou'vealreadyassignedtoarecord. 9 - Back up to Card File ‰(,À; }ÿ Os:_:OVersion 5.0Andrew Tobias' Managing Your Money                                       ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ "ŸMAIN MENUš O1 Hello, New User 2 Reminder Pad 3 Budget and Checkbook 4 Income Tax Estimator 5 Insurance Planning 6 Financial Calculator 7 Portfolio Manager 8 Your Net Worth 9 Card File 0 Leave MYM R Generate Reports S Scrunch Your Data C Set Configuration JAlwaysreturntotheMAINMENUandpress0beforeremovingyourdisksandshuttingoffyourmachine. Otherwise,youmightforgettosavedatayou'veentered. For help see message 50. -kb;(,(' little©À;r,>idj¶}‚ƒk;(' Remind.DB,P,, ,$³;(,(' remind©À;r,>i> %,i¥ %,2i %,2i# %,2i@ %,(i( ,š;(  ,š;( ,š; ik—( •:( • + e,{NG,'CMA=i:( ç -,= ( ç-,d-=|i( ,( çšjj}j; ,'Yes= ,(Fç<&i(,Àj (,À; %,(iQ( ,š;(, À;( ,À;( ,À;( ,À; %,I@i- %,2i %,2iPj¶}ŒU('*_______________________________________,P,, ,³;('š,P,(, ,³;('Ÿ,P,, ,;³;('%š Retrieving . . . .,P,(, ,³;('Ÿ,P,, ,;³;('š,P,(, ,³;('Ÿ,P,, ,;³;('*ŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒŒ,P,,,³l;kÑþ;(' Little.DB,P,, ,$³l}ÿO sO * Memory Error * M r,>}æ r,€=}¹We'resorry,butanI/OErrorhasoccurredonthediskyouwereworkingwith. Exitthechapterwithoutsavingandrecoverfrombackups. Onlythissessionsentrieswillbelost. ***SeriousMemoryError***= r,=}Î!*FILEFULL* We'resorry,but"records.db"doesn'thaveenoughfreememoryforustocarryouttherequestedfunction. Shorteninganindividualsdataorremovingoldrecordsmayfreeupmemory. d r,=}m!*DISKFULL* We'resorry,butyourdiskdoesn'thaveenoughfreememoryforustocarryouttherequestedfunction. 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Thiswillfreeupsomespace. Press 0 to return to PERSONAL RECORD KEEPING. Š(,À;„}òóôõö÷øùúûüýþÿCOMPOUND?@°Ðâ âè   !"#$%&'()*+,-./0123456789:;<=>?” $-*/159=ACEGIKMOQSUWY[]_ace’hijklmopqt› Ÿ|}~ƒ…‡‰‹ÿ r,=} sN* Leaving Chapter 6 * JDecidewhethertosaveyourlatestactivityortoabandonthechangesyoujustmadetoyourChapter6data. 1 - Save, then exit 5 - Exit without saving 0 - Don't exit -- go back to the MINI MENU tK Press1ifyouaresureyouwishtoleavewithou2ðÃ.2 X:86Press 1 to calculate.TùKamily membersyPh monthly MONTHLYPress 1 to calculate.monthXbS 0^±@Select RATE or YIELD.Press 1 to calculate.óia/@  €” @çô1RL SASHA SAMPLE'  °@S Ðz±@Select RATE or YIELD.Press 1 to calculate.óiaT , ¨+j󩪪ø? ¸Á) è³ @ ®@ èý@áÿ€"䊊ONTHS OR R qP. Residential+(My Sample Property: Best Case Assumption èý@ Residentialä •?€8€> H…&“—X¤û?€7ÿÿê¡s 4 to get rid of thBê± T/EG 'Z  ð&±@ "¡@Ä dx_ ‚@ $ô@êÌp èý@ È@Principal and Interest N  Interest Onlyd Љ±@äèè2ðÃ.( X= HJzZMŠ@ X˜@ €þ?áÈJLOR RA2@  €” @çô$W iÇ9í—@Û„½*jT ×£p= ×ú? Ház®Gáû? 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P¸…ëQ˜ÿ? Ø£p= ׃ÿ?2P!© Øëx À¢ÿŽŽšÀ­À©…©…"#$%&'()*+,-./0123456789:;<=>?NETWORTHnv€0Ðâ âè   u!"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghiqrsptj‚‚„€Å '-)#+"ÿ%(+.147:=@CF ILORUXÿ[^X\^`bdfhiknqsvy|}€‚„†‰Œ‘“•˜šœ¡£¦©¬®¯±³µ¶¸º»½¾ÀÂÄÆÇÉËÍÎÐÑÒÓÖÙÜßâåîêíÿÿÿÿÿþNgoÿÿÿÿÿÿÿÿ  r,=} sN* Leaving Chapter 8 * JDecidewhethertosaveyourlatestactivityortoabandonthechangesyoujustmadetoyourChapter8data. 1 - Save, then exit 5 - Exit without saving 0 - Don't exit -- go back to where I was in chapter 8 sK Press1ifyouaresureyouwisht±a¯e.  Misc. Assets° Screen€i€p €ÿ? ÀP±@k  ¬@ Ô@ Ø@ Ø@ @Q±@ @Q±@ Ø@l  @¨ Screen€i€p €ÿ? ÀP±@k  ¬@ Ô@ Ø@ Ø@ @Q±@ @Q±@ Ø@l2 @€ @E(0-Owed on Home Equity Accounts [from Chapt. 3]€ Extract7” @x €@€€ÿ? ÀP± À@€ and Cash [from Chapt.  ˆ@€#$€# ˆ@€?(%18 Harry an& Savin copierL€4  Individual)Study `ffffæì§ @€#4 Aggregate7Household Inventory Dáz®' °@€# Aggregate, Assets op= ÿÄ„@‚ Aggregate4Your Net Worth Þ4àz~ƒ³@‚ Aggregate €@€€ÿ? ÀP± À@€ and Cash [from Chapt. 1 Liabilities  ¬@‚ Aggregate4Your Net Worth Þ4àz~ƒ³@‚ AggregateH0-Metals & Collectibles [from Chapt. 7]€ ExtractPH0-Real Estate [from Chapt. 7]€ ExtractWH0-Tax Shelters [from Chapt. 7]€ ExtractY7Household Inventory àz®§°@€# Aggregate € P0-Balance on Mortgages [from Chapt. 3] |’@€ Extract9H0-Balance on Auto Loans [from Chapt. 3]@€ ExtractfH0-Balance on Credit Cards [from Chapt. 3] € Extract?E0-Balance on Education Loans [from Chapt. 3]€ ExtractgE0-Balance on Personal Loans [from Chapt. 3]€ ExtracthE0-Balance on Other Loans [from Chapt. 3]€ Extract; Misc. Liabilitieso4¡-toÈ€ ExtractiH0-Margin Debt [from Chapt. 7]Ý € ExtractmH0-Unrealized Losses on Shorts [from Chapt. 7]€ Extractl)$€+ Kitchen x®Gá ›@€#, Aggregate)Study hfffæP¨ @€#4 Aggregate' Living Room8€#I Aggregate$ Basement&€#M Aggregate# Outsideú€#P Aggregate$ Bedrooms€#R Aggregate" Vehicles N€#  Individual+  The House $ô@€#  Individual €$' Super GriddleP€,  IndividualO.+1943 Kelvinator "Frosty" Refrig. #218097-43 ˆëQ¸…¼@€,_ AggregateL-*Rival popcorn popper (drive's Sammy crazy) 033333Ï@€,  Individual  Now . . .€,  IndividualB.+Here's a little trick in case you ever need€,  Individual?+(more than one line to describe an asset:€,  IndividualN/,Just leave Value on the extra line(s) blank! x®GázØ@€,  Individual €%7 Apple //e System with ProfileP€4  Individual(Apple Software€4  Individual' Qume Sprint 54€4  Individual(Imagewriter IIå€4  Individual5MANAGING YOUR MONEY 03333ó•@€4  Individual6Hazeltine 1500 dumb terminalî€4  Individual;$!File cabinets (seven, suspension)î€4  Individual-Horseshoe teak deskÜ€4  Individual)Reference booksЀ4  Individual(Lloyd's stereo,€4  Individual8!200 prerecorded cassette tapesè€4  Individual:4Š2Haze+  Office TV €½@€4  Individual0Hayes 1200 Smart Modemå€4  Individual;$!Convertible sofa, 4 office chairs¼€4  Individual& Savin copiesL€4  Individual.Office carpet (wool)°€4  Individual5Kroy Type lettering machineX€4  IndividualA*'Sony recorders/transcriber; PearlcorderX€4  IndividualE.+Disney prints; original New Yorker cartoonsÜ€4  Individual-Telephone equipmentd€4  Individual €&' Projection TV€ €I  Individual*Leather Recliner„€I  Individual(Sectional sofa4€I  Individual €'(Radial Arm Sawú€M  Individual$  Hand Tools,€M  Individual €(#  Gas Grillú€P  IndividualVS€)$  Kids' bedsô€R  Individual" Small TVX€R  Individual" Clothingˆ€R  Individual*Antique bureau2€RW AggregateXX€V$ Drawer 12€W[ Aggregate$ Drawer 2€W] Aggregate$ Drawer 3€W^ Aggregate €X3Socks and other underwear2€[  Individual€Y€Z €. A"Three cans, Hunt's tomato paste èQ¸…ëñÿ?€_  Individual:Four Woolworth ice trays ø(\Âõ¸@€_  Individual?(%18 Harry and David miracle grapefruit€_  IndividualF'$Sam's medication (the big pink ones) Ä@€_  IndividualM.+Sally's medication (the little yellow ones) @ ×£p=†@€_  IndividualM.+Sid's pastrami sandwich (Sam: don't touch!) ÐÌÌÌÌÌìÿ?€_  Individual? Sara's month-old rice pudding 033333³ý?€_  Individual €€D-*The cat, til we find a final place for her€_  Individual0Sarsaparilla - 2 cases€_  Individual úÂáWÔ/DISK1/ÿ Misc. Liabilities€öˆ@s¨a 4ž @“  Ø@€ € € € €€€€€€€€€€ lMisc.€€€€€€€!€" mMisc.µ Screen€i€p Ø@ à@ €ÿ? Ø@ Ø@ Ø@  @“ Ø@€ € € € €€€€€€€€€€ qMisc.€€€€€€€!€" rMisc.µ€/DISK1/ÿÿÿÿÿÿÿÿÿÿMYM/SANEÿÿÿÿÿÿÿh/DISK1/ÿÿÿÿÿÿÿÿÿÿ MYM/AUXBOOTÿÿÿÿh/DISK1/ÿÿÿÿÿ Ý €ÿÿÿ/DISK1/ÿÿÿÿÿÿÿÿÿÿMYM/MAINÿÿÿÿÿÿÿR/DISK1/ÿÿÿÿÿÿÿÿÿÿMYM/AFDÿÿÿÿÿÿÿÿR/DISK1/ÿÿÿÿÿÿÿÿÿÿ MYM/CONFIGÿÿÿÿÿ/UTIL/ÿÿÿÿÿÿÿÿÿÿÿ MYM/ARCHIVEÿÿÿÿ/UTIL/ÿÿÿÿÿÿÿÿÿÿÿ MYM/ARKEXECÿÿÿÿ¥ç¾Ú¯ôˆZùË€ü úÂáWÔ/DISK1/ÿP0-Checking Accounts and Cash [from Chapt. 3] SsªÌÌÌ–Œ @€ Extract@Ÿ Screen€i€k  €ÿ? Ö@ Ú@ à@ €ÿ? Ø@ Ø@ Ø@ @ @€AINÿÿÿÿÿÿÿR/DISK1/ÿÿÿÿÿÿÿÿÿ° Screen€i€p €ÿ? ÀP±@k  ¬@ Ô@ Ø@ Ø@ @Q±@ @Q±@ Ø@l  @ÿÿÿÿÿÿÿÿÿMYM/BOOTÿÿÿÿÿÿÿ€/P0-Savings & Money Mkt. Accts. [from Chapt. 3] ×@€ ExtractAP0-Loans I Own [from Chapt. 3]  @€ Extract5E0-Insurance Cash Value [from Chapt. 5]€ ExtractEEE0-Pension/Profit-Sharing Plans [from Chapt. 6]€ ExtractDDH0-Portfolio Cash Value [from Chapt. 7]€ ExtractOP0-Stocks & Options [from Chapt. 7] €ÿ@€ ExtractQP0-Unrealized Gains on Shorts [from Chapt. 7] € ExtractkP0-Bonds [from Chapt. 7] d– @€ ExtractNH0-Savings Bonds/SPDAs [from Chapt. 7]€ ExtractXP0-IRA/Keogh Portfolios [from Chapt. 7] €” @€ ExtractSH0-Metals & Collectibles [from Chapt. 7]€ ExtractPH0-Real Estate [from Chapt. 7]€ ExtractWH0-Tax Shelters [from Chapt. 7]€ ExtractYP0-Balance on Mortgages [from Chapt. 3] |’@€ Extract9P0-Balance on Auto Loans [from Chapt. 3] ú @€ ExtractfP0-Balance on Credit Cards [from Chapt. 3] P @€ Extract?E0-Balance on Education Loans [from Chapt. 3]€ ExtractgE0-Balance on Personal Loans [from Chapt. 3]€ ExtracthE0-Balance on Other Loans [from Chapt. 3]€ Extract;P0-Margin Debt [from Chapt. 7] Э @€ ExtractmH0-Unrealized Losses on Shorts [from Chapt. 7]€ Extractl, Assets Íp= ?Ë„@‚ Aggregate1 Liabilities  ¬@‚ Aggregate4Your Net Worth š3àzþ³@‚ Aggregate& SðÉ«ðɽðL¿8©å6…6©å7…7©å8…8¥6mÝ …6¥7mÞ …7¥8mß …8Íå Ð ¥7Íä Ð¥6Íã Á­â Å8Ð ­á Å7Эà Å6¬¥6Ý ¥7Þ ¥8ß ©@ L¿`…ë© ­æ¥§ «h 焥РÂð© þäLÁ© #å`¥§É`' …ë© Ìæ© šp/†„ 0¢Ù @Q±@ Íp= ?Ë„@  ¬@ SsªÌÌÌ–Œ @ ×@  @ €ÿ@  d– @ €” @ àz®§°@ |’@ ú @ P @ Э @¦ü¤ý¥ú(`©@H(`©…û ±ö…B ±ö¤Bªð ±öÉ.ЄûLÉ0É:ÈÊLþ¥ûЄû¸`©@H(` ±öª ±ö¨±öÉ ÐÈÊL/„üÈÊЈ„ýL]±öÉ Ððˆè„ýÈÊð ±öÉ ÐLP¸`©@H(`¤ü±öÉ-Щ…ùL…±öÉ(Ð ¤ý±öÉ)Щ…ù¸`©@H(`¤üÄýð°5±öÉ$ðÈLŽ„6ÈÄýð° ±öÉ$ðÈL¡¤üÄ6ð±öÉ.ðÉ0É:ÈL³¸`©@H(`¥ý…6¥ùð ÉÐ-¦ýʆ6L ¤ü±öÉ,ðÉ$ðÉ+ðÉ.Ð ©…ø„úL ABCDEFGHIJKLMNORECORDS. °Ðâ âè   >R*œ"ÿ  r,=} sN* Leaving Chapter 9 * JDecidewhethertosaveyourlatestactivityortoabandonthechangesyoujustmadetoyourChapter9data. 1 - Save, then exit 5 - Exit without saving 0 - Don't exit -- go back to the Card File tK Press1ifyouaresureyouwishtoleavewitG„  Last Name4ž @ÈMe. Business FriendsHome & Family BusinessG„  Last Name24ž @ÈMe. Business FriendsHome & Family Business. GeorgeM-809-555-8282127TransOceania Holdings6421 La Dida, NWSan Rafael, CA 90009 Prospect  Secy/Asst.Myrna Children Skip and Chip Birthday4/20 SpouseZibby Introduced By Marvin Davis SchoolsNotre Dame '52 HBS '55  Home Phone 902-555-0010IFSaid, "Don't call me, I'll call you." I think will call soon. Seemed@=most interested in the 62-footer. Likes baseball, PanatellasBChairman of the BoardtQMe. Business FriendsHome & Family Business.F"Shme Phone 299-5051$125 an hour¶F  ZakrewskiMs. Georgianna 444-40001923Simple Sample School1414 Peter Piper PlaceSally's TeacherHAssistant Department HeadeM-202-555-500033231600. Bush Mrs. George1-202-555-500033231600 Pennsylvania Ave.Washington, DC20006  First Lady Spouse George Introduced By Nancy R.EBVery political, might enjoy one of our Planning & Zoning meetings,-*said "She'd love to, but busy this month."F. Bush Mrs. GeorgeM-202-555-500033231600 Pennsylvania Ave.Washington, DC20006  First Lady Spouse George Introduced By Nancy R.EBVery political, might enjoy one of our Planning & Zoning meetings,-*said "She'd love to, but busy this month."F.Assis09 Prospect  Secy/Asst.Myrna Children Skip and Chip Birthday4/20 SpouseZibby Introduced By Marvin Davis SchoolsNotre Dame '52 HBS '55  Home Phone 902-555-0010IFSaid, "Don't call me, I'll call you." I think will call soon. Seemed@=most interested in the 62-footer. Likes baseball, PanatellasPChairman of the BoardtQ³F  ZakrewskiMs. Georgianna 444-40001923Simple Sample School1414 Peter Piper PlaceSally's TeacherAssistant Department Head3l SampleSid1-206-555-12123596224 N. Walenda DriveCincinnati, OH46129Me  AccountantStephanie Sample, CPA DoctorStuart Sample, MD DentistSteely Dan Sample, DDS LaywerSmittie Sample, LLB SpouseSarah Sample, PhDSizes15-1/2 32; 54 Regular Driver's Lic.90817263546092737462-3913-1/2 EEE (left foot) Will LocationSafe Deposit Box12C (right foot) Safe Dep BoxTrustco #19-203-38472-1EBMy blood type is O-positive; I keep the spare car keys ... well, I@=think they're either on the mantle or in the big brown folderThe Winds of WarWinds of¹ Orwell  Mr. GeorgeM-305-555-2934166626 Holy Holly DriveSleepy Meadow, FL33133 Futurist ParentsBetsy Ann & Hank Children Lancelot  Secy/Asst.Serenity Kolodziej  Elizabeth Church/Cleric St. Peter's Rodger George, Jr. Introduced ByGeo. Bernard Shaw  Moon-UnitVinceFCLoves knock-knock jokes; brought a bottle of Courvoisier last time;# thinks the world's going to hellFhÔAËÍ+ Bush Mrs. GeorgeM-202-555-500033231700 Pennsylvania Ave.Washington, DC20002 2nd Lady Spouse George Introduced By Nancy R.EBVery political, might enjoy one of our Planning & Zoning meetings,-*said "She'd love to, but busy this month."FsÆê Aaaaable Murphy 299-5050Aaaaable Plumbing Co.1215 Corkscrew LaneDavenport, IA 45009 Plumber  Home Phone 299-5051$125 an hour plus partsH¸ûÿÿÿBÁ@¶F  ZakrewskiMs. Georgianna 444-40001923Simple Sample School1414 Peter Piper PlaceSally's TeacherHAssistant Department Headº Orwell  Mr. George1-305-555-2934166626 Holy Holly DriveSleepy Meadow, FL33133 Futurist ParentsBetsy Ann & Hank Children Lancelot  Secy/Asst.Serenity Kolodziej  Elizabeth Church/Cleric St. Peter's Rodger George, Jr. Introduced ByGeo. Bernard Shaw  Moon-UnitVinceFCLoves knock-knock jokes; brought a bottle of Courvoisier last time;# thinks the world's going to hellFhÔAËÍì 1 Steinbrenner  Mr. George1-809-555-8282127TransOceania Holdings6421 La Dida, NWSan Rafael, CA 90009 Prospect  Secy/Asst.Myrna Children Skip and Chip Birthday4/20 SpouseZibby Introduced By Marvin Davis SchoolsNotre Dame '52 HBS '55  Home Phone 902-555-0010IFSaid, "Don't call me, I'll call you." I think will call soon. Seemed@=most interested in the 62-footer. Likes baseball, PanatellasBChairman of the BoardtQ…7¬£þˆ0¹¤þ‘6L… ­£þe£þ`­Ÿþð¥)0ð©-L¬ ©( e¥)0Щ$ e­¢þ 8­£þm¡þ…Lã ¬£þ¹£þÉ0 É:°È„Lã ˆLÎ ©…¬£þ¢ˆ0æ† „  *¦ ½£þQRSTUVWXYZ[\]^_`abcdREM3.DB ðÐâ âèà    „),FÁ^.5H >«nµ‚ÿ¼ ÿÿ  r,=}” sN* Leaving Chapter 2 * JDecidewhethertosaveyourlatestactivityortoabandonthechangesyoujustmadetoyourChapter2data.  WouldyoulikeustodisplayToday'sRemindersautomaticallythefirsttimeyouusetheprogrameachday? @ ,}YesNo| 1 - Save, then + @ SummarySummarySR85----------------------- TO-DOs ----------------------¨e à@Date€ À@Ò à]±@ 1 - Date1.Starred items have detail. Point and press 2 €ÿ?+Don't forge  Importance€MYes€ € Friday  Person (±@ NormalYes¨e €@Date€ Ò Ðz±@ 1 - Date1.Starred items have detail. Point and press 2 €ÿ?2+Don't forgek Àb±@*'File form 4688 for income tax extension Annual 208 days Àc±@ È@days74WPPPS bond interest due April & Dec 1 - has it come? Semi-annual 20 daysj  r±@ ¦@daysChristmas is coming! Annualm 95 daysNNo€ € Saturday  Person (±@ NormalYes  Importance€j Љ±@ ð@daysChristmas is coming! Annualm 95 days>  q±@AYou Explore MYMçA Youououououv Љ±@ ð@days"Send in your registration card! Annualm 101 days ôŒô +Don't forgeR85-------------------- APPOINTMENTS -------------------R85----------------------- TO-DOs ----------------------v s±@ ©@days"Send in your registration card! Annualm 101 days ôŒô @ Summaryh `±@*'File form 4688 for income tax extension Annual 208 daysP  c±@/,A most auspicious day in history -- Press 2 Annual*?  q±@AYou Explore MYMç>  q±@AYou Explore MYMçA Youououououü Pq±@ €›@days/,New Users: MOVE THE CURSOR HERE AND PRESS 2 Annualm*IFHello, again. This is how your pop-up notes snap, crackle and pop up.Thanks for buying MYM..+Don't forget to read all the HELP messages.NKNote that to the right of the date we show you the time of your appointmentIFor the "days to go" until your reminder or the assignment and priorityHEcodes of your to-do items, depending on which kind of reminder you're looking at. 101 daysÐ[±@ÿÿ ÿÿÿÿ R85-------------------- APPOINTMENTS -------------------  q±@AMe!Get a will writtenç*KHThis is just a sample to-do item (we use "999" warning days to make sureMJit stays on the screen no matter when you buy the program), but it's true:?