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PC-SIG Diskette Library (Disk #1854)
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Information about “LOANPMT”
LOANPMT is a multi-functional loan calculation program. Payments,
principal, APR, and term of loan can all be calculated when given the
other three. Additional loan costs and loan points can optionally be
added to the principal. It is a good program for comparing different
loans.
Amortization tables can be printed, displayed, or saved to disk for all
loans computed. Early loan payoffs can be computed for existing loans.
Loan information can be saved to or loaded from disk.
FILE1854.TXT
Disk No: 1854
Disk Title: LoanPMT
PC-SIG Version: S1
Program Title: LOANPMT
Author Version: 1.0
Author Registration: $15.00
Special Requirements: None.
LOANPMT is a multi-functional loan calculation program. Payments,
principal, APR, and term of loan can all be calculated when given the
other three. Additional loan costs and loan points can optionally be
added to the principal. It is a good program for comparing different
loans.
Amortization tables can be printed, displayed, or saved to disk for all
loans computed. Early loan payoffs can be computed for existing loans.
Loan information can be saved to or loaded from disk.
PC-SIG
1030D East Duane Avenue
Sunnyvale Ca. 94086
(408) 730-9291
(c) Copyright 1989 PC-SIG, Inc.
GO.TXT
╔═════════════════════════════════════════════════════════════════════════╗
║ <<<< Disk #1854 LOANPMT >>>> ║
╠═════════════════════════════════════════════════════════════════════════╣
║ To start program, type: LOANPMT ║
║ ║
║ To print documentation, type: COPY LOANPMT.DOC PRN ║
╚═════════════════════════════════════════════════════════════════════════╝
INVOICE.DOC
USER REGISTRATION FORM
LOANPMT COPYRIGHT (C) 1989, DATA LANGUAGE SYSTEMS
ALL RIGHTS RESERVED
To register your use of LOANPMT, complete this form and mail
it along with the Invoice and your check, money order, or
charge card information to:
Data Language Systems
Attn: Donald L. Swartz
R.R.#1, Box 18A
Yorktown, Indiana 47396
(Please print) DATE: _______________ LOANPMT Ver #___________
(Please Check One) ( ) MR., ( ) MS., or ( ) ________
NAME: _____________________________________________________
COMPANY: _____________________________________________________
STREET: _____________________________________________________
CITY: _____________________ STATE: _______ ZIP: __________
COUNTRY: _____________________________________________________
PHONE: (_________) ________________________________________
MICROCOMPUTER USED: __________________________________________
MONITOR: ( ) Monochrome ( ) Color
GRAPHICS CARD: ( ) MDA ( ) CGA ( ) EGA ( ) MCGA ( ) VGA
( ) Other __________________________________
DISK DRIVES:
# _____ 5 1/4" Floppy # _____ 3 1/2" Floppy
# _____ Hard Drives
PRINTERS:
( ) Dot Matrix ( ) Laser ( ) Other __________________
Printer brand name & model# _______________________________
HOW DID YOU ACQUIRE THIS PROGRAM:
( ) BBS ( ) User Group ( ) Shareware Library
( ) From a friend ( ) Direct from Data Language Systems
( ) Other _________________________________________________
WHAT WOULD YOU LIKE TO SEE ADDED TO THIS PROGRAM?
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
COMMENTS:
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
INVOICE # 090189
Remit to:
Data Language Systems
R.R.#1, Box 18A
Yorktown, IN 47396
(317) 759-7367
Ship to (please print):
_________________________________________________
_________________________________________________
_________________________________________________
_________________________________________________
_________________________________________________
UNIT
PRICE
DESCRIPTION QTY (U.S.$) TOTAL
LOANPMT Ver 1.0
registration fee. _____ $15.00 ___________
LOANPMT (5 1/4", 360K)
distribution disk. _____ $5.00 ___________
SUB TOTAL: ___________
SALES TAX (Indiana Residents) 5% ___________
Shipping & Handling - Air Mail (No charge for US,
Canada, & Mexico, $5.00 per distribution disk for
all other locations) ___________
TOTAL: ___________
Please send payment for total amount in U.S. funds only.
Method of payment (check one):
( ) Check ( ) Money Order ( ) MasterCard ( ) Visa
Charge card users must fill in the following, or you may phone
us at the number shown above from 5:00PM-9:00PM EST:
Account No. ___ ___ _ _____ _ _____ _____ _ Exp. Date _______
MasterCard only, four digit ICA number
Signature: ___________________________________________________
(required for all charge cards)
LOANPMT.DOC
L O A N P M T
Version 1.0
U S E R ' S G U I D E
Data Language Systems
LOANPMT
Version 1.0
Copyright (C) 1989, Data Language Systems
9-1-89
Table of Contents
Page
System requirements..........................................1
Introduction.................................................1
Installing LOANPMT...........................................2
Using LOANPMT................................................4
Overlays and LOANPMT.OVR.....................................4
Data entry...................................................7
Program control features.....................................8
Date (MM-DD-YY) entry........................................9
Selecting Program Mode......................................10
Loan Payment Mode...........................................10
Printing an Amortization Table..............................15
Displaying an Amortization Table............................17
Saving an Amortization Table................................18
Saving Loan Data............................................20
Loading Loan Data...........................................21
Loan Payoff Mode............................................22
Printing a Loan Payoff Summary..............................26
Loan Payment example........................................27
Loan Payoff example.........................................33
Program History.............................................35
Program Enhancement Requests
(How to Receive a Free Program Upgrade).....................36
Reporting LOANPMT Bugs
(How to Receive a Free Program Upgrade).....................37
Software License............................................38
User Support................................................39
A note about SHAREWARE......................................40
Disclaimer..................................................41
User Registration Form......................................42
Invoice.....................................................43
i
LOANPMT Ver 1.0
Page 1
SYSTEM REQUIREMENTS
To use LOANPMT you must at least have the following:
IBM PC, XT, AT, PS/2 or a 100% compatible computer.
119K of free RAM.
PC-DOS or MS-DOS Version 2.0 or higher.
One floppy diskette drive (min.), hard disk (optional).
One printer (optional) connected to a parallel port (to
print amortization tables and loan payoff summaries,
but not required if you do not wish to make these
printouts.)
IBM, PC-DOS, PC, XT, AT, and PS/2 are registered trademarks
of the International Business Machines Corporation.
MS-DOS is a registered trademark of Microsoft Inc.
INTRODUCTION
LOANPMT is a multi-functional loan calculation program.
Payments can be computed when given principal, APR, and term of
loan. Principal can be determined when given APR, payment, and
term of loan. APR can be calculated when given principal, term
of loan, and payment. Or, term of loan can be computed when
principal, APR, and payment are given. Additional loan costs
and loan points can optionally be added to the principal.
Amortization tables can be printed, displayed, or saved to disk
for all loans computed. Early loan payoffs can be computed for
existing loans. Loan information can be saved to or loaded
from disk.
If you are using this program for a loan planning tool, then
be aware that for various reasons the results of this program
can vary from the actual amounts that may be charged by
different lenders. Only a loan institution can tell you what
the actual costs, payment, etc. for a given loan from them will
be. Therefore, always consult with your loan agency for the
actual amount that you will be charged for a given loan.
The following files are contained on the distribution disk:
LOANPMT.EXE - Executable LOANPMT program.
LOANPMT.OVR - LOANPMT program overlay files.
LOANPMT.DOC - Documentation for the LOANPMT program
(this file).
INVOICE.DOC - Registration & Invoice forms.
EXAMPLE1.PMT - Loan payment file example #1.
EXAMPLE1.AMR - Loan amortization table file example #1.
README.TXT - Start-up instructions, etc.
README.BAT - Batch file to typeout README.TXT.
LOANPMT Ver 1.0
Page 2
INSTALLING LOANPMT
If you received LOANPMT in an archived file, be sure to
unarchive it according to the instructions that should have
been provided by the distributor so that the files listed on
page #1 are contained on a single floppy disk. If you do not
have all the files listed on page #1, then you have an
unauthorized copy of LOANPMT. To receive an authorized copy of
LOANPMT with the latest version of all the distribution files,
you may order one directly from Data Language Systems for
$5.00. Simply fill out and mail the Invoice on page #43 of
this documentation. Or, if you wish to use MasterCard or Visa,
you may call Data Language Systems at the phone number listed
on the Invoice.
TO INSTALL LOANPMT ON A SINGLE OR DUAL-FLOPPY SYSTEM:
You're going to create a bootable (system) disk from a new
diskette, and copy LOANPMT files from the distribution disk to
it. Make sure your computer is booted up as described in your
DOS manual, and the DOS prompt is shown.
1. Insert your DOS system disk into drive A, and issue the
command:
FORMAT B:/S
If you have a dual-drive system, place a new (blank)
diskette into drive B, and press ENTER when you are
prompted to do so on the screen.
If you have a single-drive system, insert your new
diskette into the drive when you are prompted to "insert
new disk for drive B." After you have removed your
system disk and your new disk is in the drive, press
ENTER.
Follow any instructions that may appear on the screen.
When the format is complete, your new disk will be
formatted and it will also contain a copy of your
operating system (DOS) so your computer can be booted
from it.
Label the new disk:
LOANPMT Ver 1.0
SYSTEM DISK
2. Place your disk with the LOANPMT distribution files on it
into drive A. If you have a dual-drive system, place
your new LOANPMT SYSTEM DISK into drive B. Now issue the
command at the DOS prompt:
COPY A:LOANPMT.EXE B:
LOANPMT Ver 1.0
Page 3
INSTALLING LOANPMT (Continued)
If you have a single-disk system, follow the prompts that
appear on the screen. Keep in mind; though, that the
"disk for drive A" is the LOANPMT distribution disk, and
the "disk for drive B" is the LOANPMT SYSTEM DISK.
When the DOS prompt reappears, continue by issuing the
following command with the distribution disk in drive A:
COPY A:LOANPMT.OVR B:
Again, single-drive users should proceed as described
above, while dual-drive users must continue with the
LOANPMT SYSTEM DISK in drive B.
NOTE: It is recommended, but not required, that you copy
the example files on the LOANPMT distribution disk to the
LOANPMT SYSTEM DISK. To do so, single-drive and dual-
drive users should proceed as described above and issue
the following command:
COPY A:EXAMPLE1.* B:
Your diskette labeled LOANPMT SYSTEM DISK is now a bootable
disk that contains the necessary files to run LOANPMT.
TO INSTALL LOANPMT ONTO A HARD DISK SYSTEM:
You're going to create a subdirectory off of your root
directory named LPMT (or whatever else you choose), and then
you are going to copy the necessary files from the LOANPMT
distribution disk into this subdirectory.
1. Assuming that your hard disk is configured as drive C,
use the following commands at the DOS prompt:
C:
CD C:\
MKDIR LPMT
CD \LPMT
2. Now place the disk with the LOANPMT distribution files on
it into drive A and issue the command:
COPY A:*.* C:\LPMT
NOTE: If you do not wish to copy all the distribution
files onto your hard disk, then the following commands
will copy the minimum number of files required to run
LOANPMT:
COPY A:LOANPMT.EXE C:\LPMT
COPY A:LOANPMT.OVR C:\LPMT
LOANPMT Ver 1.0
Page 4
INSTALLING LOANPMT (Continued)
It is also recommended, but not required, that you copy the
example files to your hard disk by issuing the following
command:
COPY A:EXAMPLE1.* C:\LPMT
You now have all the LOANPMT files in the directory C:\LPMT,
and you are now ready to run the LOANPMT program.
USING LOANPMT
To use LOANPMT, be sure the files LOANPMT.EXE and
LOANPMT.OVR are on the disk of the assigned drive, and that
they are in the current directory or path. Then, at the DOS
prompt, type LOANPMT and press the ENTER key. The program will
then start execution, and the initial LOANPMT screen with the
copyright notice, etc. will appear.
At this point you may:
1. Press ENTER (or optionally TAB) to proceed with the
program.
2. Press the F1 key to see a brief help screen.
3. Press the ESC key to terminate the program.
Overlays and LOANPMT.OVR
Many of the LOANPMT program's functions are contained in the
program overlay file LOANPMT.OVR. An overlay file simply
contains portions of the program's executable program code.
LOANPMT is constructed so that the following program features
are performed by the overlay file:
1. On-line help (activated by pressing the F1 key).
2. Saving Loan Data (activated by pressing the F2 key).
3. Loading Loan Data (activated by pressing the F3 key).
4. Printing an Amortization Table.
5. Displaying an Amortization Table.
6. Saving an Amortization Table.
7. Printing a Loan Payoff Summary.
LOANPMT Ver 1.0
Page 5
Overlays and LOANPMT.OVR (Continued)
All other program functions (mainly computing loan payments and
loan payoffs) are performed without the overlay file.
You should install both LOANPMT.EXE and LOANPMT.OVR as
described in the INSTALLING LOANPMT section on page 2. If
LOANPMT.OVR is not correctly installed as described, and
program execution is initiated as explained in the USING
LOANPMT section on page 4, the initial LOANPMT screen will
appear as normal, but you will hear a beep and the following
error message will appear at the bottom of the screen:
FILE: LOANPMT.OVR not found!
Press ENTER to continue, ESC to quit!
Since LOANPMT.OVR was improperly (or probably not) installed,
the overlay manager could not find it, and has failed to
initialize. If ENTER is pressed, the program will continue and
you can compute loan payments and loan payoffs. If any of the
seven functions on page 4 are attempted, though, you will hear
a beep and the following error message will appear at the
bottom of the screen:
LOANPMT.OVR not found! Requested program function UNAVAILABLE!
and a brief help screen will appear explaining the error that
has occurred. You will also notice that on the top line of the
help screen it will say:
Overlay Manager not initialized!
If PageDn is pressed, a second help page will be displayed
explaining what you must do to make the overlay program
function available. Which is as follows:
1. If you still wish to perform an overlay program function,
you must first terminate the program by pressing ESC, then:
a. On a single- or dual-disk floppy system. Insert a floppy
disk that contains both the files LOANPMT.EXE &
LOANPMT.OVR.
b. On a hard disk system, install a copy of the file
LOANPMT.OVR in a directory that will always be in the
path when LOANPMT is running. The best way to achieve
this is to copy LOANPMT.OVR to the same directory as
LOANPMT.EXE.
Then re-start LOANPMT.
2. To continue LOANPMT without performing the requested overlay
function, simply press ENTER and proceed with the program.
3. To exit LOANPMT, press ESC.
LOANPMT Ver 1.0
Page 6
Overlays and LOANPMT.OVR (Continued)
On a single- or dual-floppy disk drive system, if you start
the program and everything starts correctly (i.e. the overlay
manager initializes and you do not receive the overlay error
message at the initial LOANPMT screen) and you then remove the
floppy disk containing LOANPMT.OVR, you will receive the
following error if any of the seven previously listed program
functions performed by the overlay are requested:
LOANPMT.OVR not found! Requested program function UNAVAILABLE!
and a brief help screen will appear explaining the error that
has occurred. You will also notice that on the top line of the
help screen it will say:
Overlay Manager was initialized, but LOANPMT.OVR not found!
If PageDn is pressed, a second help page will be displayed
explaining what you must do to make the overlay program
function available. Which is as follows:
1. If you still wish to perform an overlay program function:
a. On a single- or dual-drive floppy system, insert a floppy
disk that contains LOANPMT.OVR into the assigned drive
and press ENTER, and then re-issue the requested program
function.
b. On a hard disk system, you must first terminate LOANPMT
by pressing ESC. Then you must install a copy of the
file LOANPMT.OVR in a directory that will always be in
the path when LOANPMT is running. The best way to
achieve this is to copy LOANPMT.OVR to the same directory
as LOANPMT.EXE.
2. To continue LOANPMT without performing the requested overlay
function, simply press ENTER and proceed with the program.
3. To exit LOANPMT, press ESC.
Please notice that there are two distinct overlay errors
previously described. They are:
1. Overlay Manager not initialized!
2. Overlay Manager initialized, but LOANPMT.OVR not found!
Finally, LOANPMT has been written to support the
Lotus/Intel/Microsoft Expanded Memory Specification (EMS).
When sufficient EMS space is available, LOANPMT will load the
file LOANPMT.OVR into EMS memory. Once loaded into EMS, the
disk file LOANPMT.OVR is closed and all subsequent calls by
LOANPMT for overlay program functions will be made to the
LOANPMT Ver 1.0
Page 7
Overlays and LOANPMT.OVR (Continued)
overlay copy in EMS. Thus all overlay program functions will
be performed as fast in-memory transfers instead of slower disk
to RAM transfers. If you have EMS and the overlay is
successfully initialized into EMS by LOANPMT, you will see the
following message at the bottom of the initial LOANPMT screen:
LOANPMT.OVR loaded to EMS.
Press ENTER to continue, or ESC to quit!
If the EMS initialization fails, then the program will
attempt to initialize the overlay manager to the disk file as
was previously described.
DATA ENTRY
At all data entry fields of the program that require the
keying in of alphanumeric or numeric data, your entry can be
edited for corrections, etc. by using the following keys:
HOME - Moves the cursor to the first character in the
field.
END - Moves the cursor beyond the last character in the
field, or, if the field is full, places the cursor
on the last character in the field.
RIGHT
ARROW - Moves the cursor one character right in the field.
LEFT
ARROW - Moves the cursor one character left in the field.
INSERT- Toggles between insert and overwrite mode. The
current mode is highlighted in the status line at
the very top of the screen. Insert mode inserts a
character before the character at the cursor.
Overwrite mode overwrites the character at the
cursor with the character keyed in.
DELETE- Deletes the character that is at the cursor's
location.
LEFT
DELETE- If the cursor is not under the first character in a
field, then pressing this key will delete the first
character to the left of the cursor.
At all data entry points that use a highlighted bar menu,
you may use the RIGHT ARROW or LEFT ARROW keys, or you may
press a key corresponding to the first letter in one of the
menu choices, to move the highlighted bar.
LOANPMT Ver 1.0
Page 8
DATA ENTRY (Continued)
To move between data entry fields within the data entry
screen, the following keys can be used:
ENTER - Enters the current field into the program and moves
the cursor to the next field.
TAB - Enters the current field into the program and moves
the cursor to the next field.
DOWN
ARROW - Enters the current field into the program and moves
the cursor to the next field.
UP
ARROW - Enters the current field into the program and moves
the cursor to the previous field.
SHIFT
TAB - Enters the current field into the program and moves
the cursor to the previous field.
PROGRAM CONTROL FEATURES
Many program control features are built into this program.
The status line at the top of the screen shows most of these
features. The following keys control the status line features,
and these features are always available while you are in any
data entry field (i.e. whenever the program is waiting for you
to enter "ANY" data):
F1 - displays a help screen that is most appropriate for the
present location you are at in the program. When you are in
a help screen, pressing ESC returns you to the point in the
program where you entered help (pressed F1).
F9 - toggles data input between NEW and EDIT. NEW means
you must enter new data at each data entry point. EDIT
means old data will be displayed and you will be allowed to
edit it using the edit features described in the Data Entry
section. The highlighted item is the feature that is
currently in effect. By pressing F9 you can switch between
NEW and EDIT data entry mode.
INSERT - As explained in the Data Entry section, pressing
the INSERT key toggles you between INSERT and OVERWRITE mode
for data entry. The highlighted item is the feature that is
currently in effect.
ESC - Pressing the ESC key (while in a data entry field)
exits the program.
LOANPMT Ver 1.0
Page 9
PROGRAM CONTROL FEATURES (Continued)
CAPS LOCK - When the Caps Lock key is depressed and caps
lock is in effect from the keyboard, CAPS is displayed in
highlight in the status line. When caps lock is in effect,
all alphabetic characters are entered as uppercase.
NUM LOCK - When the Num Lock key is depressed and num lock
is in effect from the keyboard, NUM is displayed in
highlight in the status line. When num lock is in effect,
numbers can be entered from the numeric keypad. Otherwise,
the special functions HOME, END, INS, etc. can be entered.
SCROLL LOCK - When the Scroll Lock key is depressed and
scroll lock is in effect, SCROLL is displayed in highlight
in the status line. Scroll lock has no affect on the
operation of this program.
DATE (MM-DD-YY) ENTRY
At all data entry fields of LOANPMT that require a date
entry, such as the following prompt:
Date of first payment (MM-DD-YY): mm-dd-year
The default date that appears in the field is the next date
following the system's date that falls within the previously
given payment schedule. (i.e. If the payment schedule
previously selected is "Monthly" and the system date is
8-01-1989, then the default date given will be 9-01-1989.)
If a date has been previously entered and a new loan has not
been computed, then the old date will appear. If you wish to
change the date shown, then enter the new date using the format
shown (i.e. Month-Day-Year).
The date field actually contains three separate sub-fields.
Each sub-field is separated by the dash ("-"). You do not (and
cannot) type in the dashes used in the date.
The month sub-field (left sub-field) will only accept the
digits 1 through 12. The day sub-field (middle sub-field) will
only accept valid days for the month currently in the month sub-
field. In the case of a month entered of 2 (February), then
leap year checking is not done until ENTER is pressed to allow
you to leave the day sub-field so you can enter a different
year.
The year sub-field (right sub-field) will accept any four
digit entry. It is suggested that you enter the full year, but
you may use only the last two digits if you wish. Be warned,
though, that when leap year checking is done, two digit years
are considered to be in the 1st century. This is only
LOANPMT Ver 1.0
Page 10
DATE (MM-DD-YY) ENTRY (Continued)
important to keep in mind if your loan is started in this
century (20th century) and will be ending in the next century
(21st century).
While non-century years that are evenly divisible by four
are leap years, only those century years that are evenly
divisible by 400 are leap years. Therefore, if you entered the
starting date of a 30 year loan with payments due each month as
8-31-89 (i.e. payments due at the end of each month), the
program would process the years correctly until it finished
with year 99. It would then incorrectly start year 100 instead
of the year 2000. The year 100 is not evenly divisible by 400
while the year 2000 is (i.e. the year 100 is not a leap year,
but the year 2000 is). The program would then incorrectly tell
you that your payment for February was due on 2-28-00, when in
fact, it is actually due on 2-29-00 since the year 2000 is a
leap year. Additionally, if you printed this amortization
table, it would also print the year as 100 and all the
subsequent years would start with 100.
You must use the RIGHT ARROW or LEFT ARROW keys to move
between the date fields and press ENTER (or TAB or DOWN ARROW)
to enter the date. The program performs error checking on all
date entries as described above and will not let you proceed
until a valid date is entered.
SELECTING PROGRAM MODE
If ENTER is pressed at the initial LOANPMT screen, the
LOANPMT data entry screen will appear and the program will be
waiting for you to choose between the two program modes of Loan
Payment and Loan Payoff at the prompt:
Program mode: Loan Payment Loan Payoff
Loan Payment will be highlighted. To select the program
mode, simply use the LEFT ARROW or RIGHT ARROW keys, or press
the "L" key, to move the highlighted bar. When the program
mode you desire is highlighted, press the ENTER (or TAB or DOWN
ARROW) key to select it. The selected program mode will be
displayed at the top of the data entry screen.
LOAN PAYMENT MODE
Starting in the loan payment mode (see Selecting Program
Mode section, page 10, for a given payment schedule, any one of
the following four items can be computed if the other three are
entered:
LOANPMT Ver 1.0
Page 11
LOAN PAYMENT MODE (Continued)
1. Principal amount of loan.
2. Annual percentage rate.
3. Duration of loan (in years or payments).
4. Loan payment.
Optionally, you can also enter the following:
1. Loan company.
2. Borrower.
3. Comment.
4. Loan costs.
5. Loan points.
6. Deferred principal.
As soon as Loan Payment mode is selected, the cursor will
then be positioned after the prompt:
Loan Company:
You may enter the name of the loan company here, if you
wish. If one is entered, it will appear on all printouts
produced by the program. If you make a mistake entering the
loan company's name, you can edit the line as described in the
Data Entry Section on page 7. When the loan company's name is
in this field, press ENTER (or TAB or DOWN ARROW) to enter it
into the program. The cursor will then be moved after the
prompt:
Borrower:
You can enter the name of the borrower. If one is entered,
it will be printed on all printouts produced by the program.
Again, you may edit your entry as described in the Data Entry
Section on page 7. When you have the borrower's name in this
field, press ENTER (or TAB or DOWN ARROW) to enter it into the
program. The cursor will then be moved after the prompt:
Comment:
You can enter the reason for the loan, loan number, or any
other comment you wish. If one is entered, it will be printed
on all printouts produced by the program. Again, you may edit
your entry as described in the Data Entry Section on page 7.
When you have the desired information in this field, press
LOANPMT Ver 1.0
Page 12
LOAN PAYMENT MODE (Continued)
ENTER (or TAB or DOWN ARROW) to enter it into the program. A
highlight bar menu will then appear for selecting a payment
schedule as follows:
Yearly Semiyearly Quarterly Monthly Semimonthly Biweekly Weekly
Use the RIGHT ARROW or LEFT ARROW keys, or enter the first
letter of the payment schedule desired (i.e. "Y" for Yearly,
"Q" for Quarterly, "M" for Monthly, etc.) to move the
highlighted bar to the desired payment schedule. You may
select between:
Yearly - 1 payment per year.
Semiyearly - 2 payments per year (i.e. every 6 months).
Quarterly - 4 payments per year (i.e. every 3 months).
Monthly - 12 payments per year (i.e. every month).
Semimonthly - 24 payments per year (i.e. twice a month).
Biweekly - 26 payments per year (i.e. every two weeks).
Weekly - 52 payments per year (i.e. every week).
When the desired payment schedule is highlighted, press
ENTER (or TAB or DOWN ARROW) to enter it into the program. The
cursor will then be moved after the prompt:
Loan principal: $
Enter the amount of money to be borrowed, or press F5 to
have the program compute the principal for you. If F5 is
entered, the word UNKNOWN will be displayed for this field and
the cursor will be moved to the next field. If you enter a
principal, it must be greater than or equal to $0.00 and less
than or equal to $10,000,000.00. If this condition is not met,
an error message will be displayed when you press ENTER (or TAB
or DOWN ARROW), and the program will not let you proceed until
the error is corrected.
After a principal has been entered, the cursor will appear
after the prompt:
Additional loan costs: $
You may enter any loan costs that are being included in your
loan. If you are NOT financing any of the loan costs with this
loan, then do NOT enter anything in this field. If loan costs
are entered, they must be greater than or equal to $0.00 and
less than or equal to $1,000,000.00. If this condition is not
met, an error message will be displayed when you press ENTER
(or TAB or DOWN ARROW), and the program will not let you
proceed until the error is corrected.
LOANPMT Ver 1.0
Page 13
LOAN PAYMENT MODE (Continued)
Once the loan costs have been entered, the cursor will
appear after the prompt:
Loan points charged:
You may enter any loan points here that are being included
into your loan. If you are NOT financing any of the loan
points with this loan, then do NOT enter anything in this
field. If loan points are entered, they must be greater than
or equal to 0.000 and less than or equal to 99.999. If this
condition is not met, an error message will be displayed when
you press ENTER (or TAB or DOWN ARROW), and the program will
not let you proceed until the error is corrected.
When the loan points have been entered, the cursor will
appear after the prompt:
Deferred principal: $
Enter the portion of the total amount financed that is to be
deferred and payed along with the final payment. You can
create "interest only" loans by deferring the entire amount
financed, or you can "balloon" a portion of the amount financed
into the final payment. You may enter an amount that is
greater than or equal to $0.00 and that is less than or equal
to the total amount financed. If this condition is not met, an
error message will be displayed when you press ENTER (or TAB or
DOWN ARROW), and the program will not let you proceed until the
error is corrected.
After the deferred principal has been entered, the cursor
will appear after the prompt:
Annual percentage rate (%):
Enter the annual percentage rate (APR) charged for your
loan. If the highlighted message "Press F5 to compute" is
displayed, you may press the F5 key to have the program compute
an APR for you. If F5 is entered, the word UNKNOWN will be
displayed for this field and the cursor will be moved to the
next field. Please note that only one UNKNOWN can be computed.
If another field currently displays UNKNOWN, the program will
not allow you to enter another one. If you enter an APR, it
must be greater than or equal to 0% and less than 100%. If
this condition is not met, an error message will be displayed
when you press ENTER (or TAB or DOWN ARROW), and the program
will not let you proceed until the error is corrected.
Once an APR has been entered, the cursor will appear after
the prompt:
LOANPMT Ver 1.0
Page 14
LOAN PAYMENT MODE (Continued)
Duration of loan in years:
Enter the duration of the loan or press F6 to access the
following menu:
Years Payments
Use the RIGHT ARROW or LEFT ARROW to move the highlighted
bar to the desired duration entry type, or press "Y" to move it
to "Years" or press "P" to move it to "Payments". When the
desired type is highlighted, press ENTER (or TAB or DOWN ARROW)
to enter it into the prompt. Select "Years" to enter the
duration of your loan in whole years, or select "Payments" to
enter the duration of your loan in total number of payments.
When a duration is entered it must be greater than or equal
to 1 (years or payments) and less than or equal to 50 years (or
the equivalent number of payments). If this condition is not
met, an error message will be displayed when you press ENTER
(or TAB or DOWN ARROW), and the program will not let you
proceed until the error is corrected.
If the highlighted message "Press F5 to compute" is
displayed, you may press the F5 key to have the program compute
the loan duration for you. If F5 is entered, the word UNKNOWN
will be displayed for this field and the cursor will be moved
to the next field. Please note that only one UNKNOWN can be
computed. If another field currently displays UNKNOWN, the
program will not allow you to enter another one.
If none of the previous fields display UNKNOWN, then after
the loan duration has been entered, the loan payment will be
computed and displayed and the cursor will be placed after the
prompt:
Print amortization table (Y/N)?
But, if one of the previous fields does display UNKNOWN,
then the cursor will appear at the prompt:
Payment: $
Enter the desired loan payment. An error will occur if a
payment is entered that together with the previously entered
data will cause the UNKNOWN field to not fall within its
prescribed range. (i.e. If principal is UNKNOWN and a payment
is entered that will cause principal to compute to a value
greater than $10,000,000.00, an error message will result.) An
error will also occur if a payment less than $0.00 is entered.
Once these conditions are met, the cursor will be placed after
the prompt:
LOANPMT Ver 1.0
Page 15
LOAN PAYMENT MODE (Continued)
Print amortization table (Y/N)?
You can press F6 to access a menu that will allow you to
select between PRINT, DISPLAY, or SAVE mode for an amortization
table. PRINT mode prints the amortization table on your
printer, DISPLAY mode allows you to display one year of the
table at a time on the screen, and SAVE mode allows you to save
the table as a text file on disk. Use the RIGHT ARROW or LEFT
ARROW keys (or press "P" for PRINT, or "D" for DISPLAY, or "S"
for SAVE) to move the highlighted bar. Once the desired mode
is highlighted, press ENTER (or TAB or DOWN ARROW) to enter the
mode. Next answer "N" (for NO) to the prompt if you do not
want an amortization table printed, displayed, or saved, and
the program will return you to the program mode prompt (see
Selecting Program Mode, page 10), or answer "Y" (for YES) if
you do (see the following sections, Printing an Amortization
Table, Displaying an Amortization Table, and Saving an
Amortization Table). The program will not allow you to proceed
until "Y" or "N" has been entered. If "N" is entered, the
cursor is placed at the program mode prompt where you can enter
new loan data or exit the program by pressing ESC. When the
program is terminated, the CRT screen returns to the display
that was on the screen just before LOANPMT started executing.
PRINTING AN AMORTIZATION TABLE
Once you have reached the amortization table prompt as
described in the Loan Payment Section, and you want to print an
amortization table, you must ensure that the prompt reads:
Print amortization table (Y/N)?
If it doesn't, then press F6 so the following menu appears:
Print Display Save
Use the RIGHT ARROW or LEFT ARROW key (or press "P") to move
the highlight to the word "Print" and then press ENTER (or TAB
or DOWN ARROW) to enter the word "Print" into the prompt and
return you to the end of the prompt. If the letter "Y" (or
"y") does not appear under the cursor, then press the "Y" key
and then press ENTER (or TAB or DOWN ARROW). The following
prompt will then appear on the next line with the cursor in the
month field:
Date of first payment (MM-DD-YY): mm-dd-year
A default date will appear in this field. If you wish to
change the date shown, then enter the new date using the format
shown (i.e. Month-Day-Year). The date contains three separate
LOANPMT Ver 1.0
Page 16
PRINTING AN AMORTIZATION TABLE (Continued)
fields. Use the RIGHT ARROW or LEFT ARROW key to move between
the date fields and press ENTER (or TAB or DOWN ARROW) to enter
the date. The program performs error checking on all date
entries and will not let you proceed until a valid date has
been entered.
For a more thorough description on date field entry, read
the Date (MM-DD-YY) Entry section which starts on page 9.
Once a date has been entered, the following two lines will
display the prompt:
Print to device: LPT1
PARALLEL PORT: LPT1 (PRN) LPT2 LPT3
The port highlighted is also printed after the prompt and
will be the port selected when you press the ENTER (or TAB or
DOWN ARROW) key. To change the port selection, use the RIGHT
ARROW or LEFT ARROW keys (or press "L") to move the highlighted
bar.
Once ENTER (or TAB or DOWN ARROW) has been pressed the
printout starts. If the program detects an error (either at
the beginning or during the printout), the printout stops and
the following error message will be displayed at the bottom of
the screen:
Printer not ready! --
Press ENTER when ready or ESC to cancel printout.
Normally any of the following can cause this error:
1. No printer attached to selected port (or port does not
exist).
2. Printer not powered on.
3. Printer not selected on line.
4. Printer out of paper or paper is jammed.
5. Printer failure.
6. Etc.
If the problem can be corrected, you can proceed with the
printout once you are ready by pressing ENTER. If the problem
is not immediately correctable, or if you do not wish to
proceed with the printout, press ESC and the printout will be
terminated and you will be placed at the program mode selection
prompt.
If no problems are detected during the printout, the prompt
"PRINTING . . ." is displayed at the bottom of the screen. If
you need to stop the printout, then press the ESC key. When
the ESC key is pressed, the prompt "CANCEL PRINTING (Y/N)?" is
displayed. If you want to continue printing simply answer "N"
LOANPMT Ver 1.0
Page 17
PRINTING AN AMORTIZATION TABLE (Continued)
(for no), but if you want to cancel the printout, then answer
"Y" (for yes) and you will be placed at the program mode
selection prompt.
After the printout is finished, the cursor returns to the
program mode selection prompt. You can enter new data to
process a new loan, or you can press the ESC key to terminate
the program. When the program is terminated, the CRT screen
returns to the display that was on the screen just before
LOANPMT started executing.
DISPLAYING AN AMORTIZATION TABLE
Once you have reached the amortization table prompt as
described in the Loan Payment Section, and you want to display
an amortization table, you must ensure that the prompt reads:
Display amortization table (Y/N)?
If it doesn't, then press F6 so the following menu appears:
Print Display Save
Use the RIGHT ARROW or LEFT ARROW key (or press "D") to move
the highlight to the word "Display" and then press ENTER (or
TAB or DOWN ARROW) to enter the word "Display" into the prompt
and return you to the end of the prompt. If the letter "Y" (or
"y") does not appear under the cursor, press the "Y" key and
then press ENTER (or TAB or DOWN ARROW). The following prompt
will then appear on the next line with the cursor in the month
field:
Date of first payment (MM-DD-YY): mm-dd-year
A default date will appear in this field. If you wish to
change the date shown, then enter the new date using the format
shown (i.e. Month-Day-Year). The date contains three separate
fields. Use the RIGHT ARROW or LEFT ARROW key to move between
the date fields and press ENTER (or TAB or DOWN ARROW) to enter
the date. The program performs error checking on all date
entries and will not let you proceed until a valid date has
been entered.
For a more thorough description on date field entry, read
the Date (MM-DD-YY) Entry section which starts on page 9.
Once a date has been entered, the following two lines will
display the prompt:
Loan runs from xxxx to yyyy
Select loan year to display: xxxx
LOANPMT Ver 1.0
Page 18
DISPLAYING AN AMORTIZATION TABLE (Continued)
As shown here, "xxxx" represents the first year of the loan
and "yyyy" represents the final year of the loan. The initial
year is selected by default. If you wish to see another year,
then keyin a year falling within the given range and press
ENTER (or TAB or DOWN ARROW) key. If the entered year does not
fall within the displayed range, an error message is given and
the program will not let you proceed until a correct year is
entered.
Once a good year has been entered, the amortization is
displayed on the screen for that year. If the table is too
long to fit on the screen, use the UP ARROW or DOWN ARROW keys
to move through the table one line at a time, or use the PAGE
UP or PAGE DOWN keys to move through the table one full screen
at a time. Once you are through viewing the table, press the
ESC key to return to the LOANPMT data entry screen. Once you
are back at the data entry screen, press ESC to quit display
mode or ENTER to display another year.
If ENTER is pressed, you may enter another year as before to
be displayed. If ESC is pressed the cursor returns to the
program mode selection prompt. You can enter new data to
process a new loan, or you can press the ESC key to terminate
the program. When the program is terminated, the CRT screen
returns to the display that was on the screen just before
LOANPMT started executing.
SAVING AN AMORTIZATION TABLE
Once you have reached the amortization table prompt as
described in the Loan Payment Section, and you want to save an
amortization table, you must ensure that the prompt reads:
Save amortization table (Y/N)?
If it doesn't, then press F6 so the following menu appears:
Print Display Save
Use the RIGHT ARROW or LEFT ARROW key (or press "S") to move
the highlight to the word "Save" and then press ENTER (or TAB
or DOWN ARROW) to enter the word "Save" into the prompt and
return you to the back to the end of the prompt. If the letter
"Y" (or "y") does not appear under the cursor, press the "Y"
key and then press ENTER (or TAB or DOWN ARROW). The following
prompt will then appear on the next line with the cursor in the
month field:
Date of first payment (MM-DD-YY): mm-dd-year
LOANPMT Ver 1.0
Page 19
SAVING AN AMORTIZATION TABLE (Continued)
A default date will appear in the field. If you wish to
change the date shown, then enter the new date using the format
shown (i.e. Month-Day-Year). The date contains three separate
fields. Use the RIGHT ARROW or LEFT ARROW key to move between
the date fields and press ENTER (or TAB or DOWN ARROW) to enter
the date. The program performs error checking on all date
entries and will not let you proceed until a valid date has
been entered.
For a more thorough explanation on date field entry, read
the Date (MM-DD-YY) Entry section which begins on page 9.
Once a date has been entered, the following prompt appears
on the next line with the cursor at the end of it:
Save Amortization Table to Filename:
Enter a filename for the amortization table's text file
using the following format:
[d:][path] filename
where "d:" is the optional disk drive name, "path" is an
optional DOS pathname, and "filename" is a valid DOS filename.
Do not add a filename extension to the filename. The program
will automatically add the filename extension ".AMR" to all
amortization filenames entered. Error detection is provided
for invalid drive names, paths, filenames, etc., and the
program will not let you proceed until everything is correctly
entered.
Once the program accepts a valid entry, the file is created
on the specified drive, etc. After the file has been
successfully created, the cursor returns to the program mode
selection prompt, and the following message is displayed at the
bottom of the screen:
Amortization Table saved to file FILENAME.AMR
You can enter new data to process a new loan, or you can
press the ESC key to terminate the program. When the program
is terminated, the CRT screen returns to the display that was
on the screen just before LOANPMT started executing.
The saved amortization file is a text file and may be
printed to your printer later using DOS print commands or
various third party printer routines. The file may also be
edited via EDLIN or any other ASCII text editor.
The distribution disk contains a sample amortization table
file named EXAMPLE1.AMR for your examination and testing
purposes.
LOANPMT Ver 1.0
Page 20
SAVING LOAN DATA
Once you have reached the amortization table prompt as
described in the Loan Payment Section, you will notice that the
following prompt will appear near the lower left of the data
entry screen:
F2=Save Loan Data
Whenever this prompt is visible, you may save the loan data
to disk. If you want to save the current loan data, press the
F2 key and the following two line prompt will appear near the
bottom of the data entry screen:
Before data can be saved, please enter
Date of first payment (MM-DD-YY): mm-dd-year
A default date will appear in this field. If you wish to
change the date shown, then enter the new date using the format
shown (i.e. Month-Day-Year). The date contains three separate
fields. Use the RIGHT ARROW or LEFT ARROW key to move between
the date fields and press ENTER (or TAB or DOWN ARROW) to enter
the date. The program performs error checking on all date
entries and will not let you proceed until a valid date has
been entered.
For a more thorough description on date field entry, read
the Date (MM-DD-YY) Entry section which starts on page 9.
Once a date has been entered, the following prompt appears
on the next line with the cursor at the end of it:
Save Loan Data Filename:
Enter a filename for the loan data's file using the
following format:
[d:][path] filename
where "d:" is the optional disk drive name, "path" is an
optional DOS pathname, and "filename" is a valid DOS filename.
Do not add a filename extension to the filename. The program
will automatically add the filename extension ".PMT" to all
filenames entered. Error detection is provided for invalid
drive names, paths, filenames, etc., and the program will not
let you proceed until everything is correctly entered.
Once the program accepts a valid entry, the file is created
on the specified drive, etc. After the file has been
successfully created, the cursor returns to the program mode
selection prompt, and the following message is displayed at the
bottom of the screen.:
Data saved to file FILENAME.PMT
LOANPMT Ver 1.0
Page 21
SAVING LOAN DATA (Continued)
You can enter new data to process a new loan, or you can
press the ESC key to terminate the program. When the program
is terminated, the CRT screen returns to the display that was
on the screen just before LOANPMT started executing.
LOADING LOAN DATA
Whenever the following prompt is visible near the bottom of
the data entry screen:
F3=Load Loan Data
You may load a previously saved loan data file from disk. If
you wish to load a data file, press the F3 key and the cursor
will be placed at the end of the following prompt near the
bottom of the data entry screen:
Load Loan Data Filename:
Enter a filename for a loan data file using the following
format:
[d:][path] filename
where "d:" is the optional disk drive name, "path" is an
optional DOS pathname, and "filename" is a valid DOS filename.
Do not add a filename extension to the filename. The program
will automatically add the filename extension ".PMT" to all
filenames entered. Error detection is provided for invalid
drive names, paths, filenames, etc., and the program will not
let you proceed until everything is correctly entered.
Once the program accepts a valid entry, the file is loaded
and all data fields are updated to display the data that was
stored in the file. The following message is also displayed at
the bottom of the screen:
Data loaded from file FILENAME.PMT
If the program is in Loan Payment mode, the cursor will be
placed at the amortization table prompt where you may proceed
as you desire with the entered data.
If the program is in Loan Payoff mode, the cursor is placed
in the "Number of payments already made" prompt where you may
proceed to compute a loan payoff balance.
LOANPMT Ver 1.0
Page 22
LOAN PAYOFF MODE
In the Loan Payoff mode (see Selecting Program Mode
section), the loan payoff balance for a given set of loan data
can be computed when the following four items are given:
1. Annual percentage rate.
2. Duration of loan (in years or payments).
3. Loan payment.
4. Number of payments already made.
Optionally, you can also enter the following:
1. Loan company.
2. Borrower.
3. Comment.
4. Principal.
5. Loan costs.
6. Loan points.
7. Deferred principal.
As soon as Loan Payoff mode is selected, the cursor will
then be positioned after the prompt:
Loan Company:
You may enter the name of the loan company here, if you
wish. If one is entered, it will appear on all printouts
produced by the program. If you make a mistake entering the
loan company's name, you can edit the line as described in the
Data Entry Section on page 7. When the loan company's name is
in this field, press ENTER (or TAB or DOWN ARROW) to enter it
into the program. The cursor will then be moved after the
prompt:
Borrower:
You can enter the name of the borrower. If one is entered,
it will be printed on all printouts produced by the program.
Again, you may edit your entry as described in the Data Entry
Section on page 7. When you have the borrower's name in this
field, press ENTER (or TAB or DOWN ARROW) to enter it into the
program. The cursor will then be moved after the prompt:
LOANPMT Ver 1.0
Page 23
LOAN PAYOFF MODE (Continued)
Comment:
You can enter the reason for the loan, loan number, or any
other comment you wish. If one is entered, it will be printed
on all printouts produced by the program. Again, you may edit
your entry as described in the Data Entry Section on page 7.
When you have the desired information in this field, press
ENTER (or TAB or DOWN ARROW) to enter it into the program. A
highlight bar menu will then appear for selecting a payment
schedule as follows:
Yearly Semiyearly Quarterly Monthly Semimonthly Biweekly Weekly
Use the RIGHT ARROW or LEFT ARROW keys, or enter the first
letter of the payment schedule desired (i.e. "Y" for Yearly,
"Q" for Quarterly, "M" for Monthly, etc.) to move the
highlighted bar to the desired payment schedule. You may
select between:
Yearly - 1 payment per year.
Semiyearly - 2 payments per year (i.e. every 6 months).
Quarterly - 4 payments per year (i.e. every 3 months).
Monthly - 12 payments per year (i.e. every month).
Semimonthly - 24 payments per year (i.e. twice a month).
Biweekly - 26 payments per year (i.e. every two weeks).
Weekly - 52 payments per year (i.e. every week).
When the desired payment schedule is highlighted, press
ENTER (or TAB or DOWN ARROW) to enter it into the program. The
cursor will then be moved after the prompt:
Loan principal: $
Enter the amount of money to be borrowed, or press F5 to
have the program compute the principal for you. If F5 is
entered, the word UNKNOWN will be displayed for this field and
the cursor will be moved to the next field. If you enter a
principal, it must be greater than or equal to $0.00 and less
than or equal to $10,000,000.00. If this condition is not met,
an error message will be displayed when you press ENTER (or TAB
or DOWN ARROW), and the program will not let you proceed until
the error is corrected.
After a principal has been entered, the cursor will appear
after the prompt:
Additional loan costs: $
You may enter any loan costs that are being included in your
loan. If you are NOT financing any of the loan costs with this
loan, then do NOT enter anything in this field. If loan costs
are entered, they must be greater than or equal to $0.00 and
LOANPMT Ver 1.0
Page 24
LOAN PAYOFF MODE (Continued)
less than or equal to $1,000,000.00. If this condition is not
met, an error message will be displayed when you press ENTER
(or TAB or DOWN ARROW), and the program will not let you
proceed until the error is corrected.
Once the loan costs have been entered, the cursor will
appear after the prompt:
Loan points charged:
You may enter any loan points here that are being included
into your loan. If you are NOT financing any of the loan
points with this loan, then do NOT enter anything in this
field. If loan points are entered, they must be greater than
or equal to 0.000 and less than or equal to 99.999. If this
condition is not met, an error message will be displayed when
you press ENTER (or TAB or DOWN ARROW), and the program will
not let you proceed until the error is corrected.
When the loan points have been entered, the cursor will
appear after the prompt:
Deferred principal: $
Enter the portion of the total amount financed that is to be
deferred and payed along with the final payment. You can
create "interest only" loans by deferring the entire amount
financed, or you can "balloon" a portion of the amount financed
into the final payment. You may enter an amount that is
greater than or equal to $0.00 and that is less than or equal
to the total amount financed. If this condition is not met, an
error message will be displayed when you press ENTER (or TAB or
DOWN ARROW), and the program will not let you proceed until the
error is corrected.
After the deferred principal has been entered, the cursor
will appear after the prompt:
Annual percentage rate (%):
Enter the annual percentage rate (APR) charged for your
loan. An APR must be greater than or equal to 0% and less than
100%. If this condition is not met, an error message will be
displayed when you press ENTER (or TAB or DOWN ARROW), and the
program will not let you proceed until the error is corrected.
Once an APR has been entered, the cursor will appear after
the prompt:
Duration of loan in years:
LOANPMT Ver 1.0
Page 25
LOAN PAYOFF MODE (Continued)
Enter the duration of the loan or press F6 to access the
following menu:
Years Payments
Use the RIGHT ARROW or LEFT ARROW to move the highlighted
bar to the desired duration entry type, or press "Y" to move it
to "Years" or press "P" to move it to "Payments". When the
desired type is highlighted, press ENTER (or TAB or DOWN ARROW)
to enter it into the prompt. Select "Years" to enter the
duration of your loan in whole years, or select "Payments" to
enter the duration of your loan in total number of payments.
When a duration is entered it must be greater than or equal
to 1 (years or payments) and less than or equal to 50 years (or
the equivalent number of payments). If this condition is not
met, an error message will be displayed when you press ENTER
(or TAB or DOWN ARROW), and the program will not let you
proceed until the error is corrected. After the duration has
been entered the cursor will appear at the prompt:
Payment: $
Enter the loan payment. An error will occur if a payment is
entered that together with the previously entered data will
cause the principal to be greater than $10,000,000.00. An
error will also occur if a payment less than $0.00 is entered.
After these conditions are met, the cursor will be placed after
the prompt:
Number of payments already made:
Keyin the number of payments you have already made. If a
number less than zero or greater than the previously entered
duration of the loan is entered, an error message will be
displayed and the program will wait for you to correct your
entry. When a correct entry is made, the program will compute
and display the payoff balance for the loan. The cursor will
then be positioned after the prompt:
Print loan payoff summary (Y/N)?
Answer "N" (for NO) to the prompt if you do not want a
payoff summary printed, and the program will return you to the
program mode prompt (see Selecting Program Mode, page 10).
Answer "Y" (for YES) if you do (see the following section,
Printing a Loan Payoff Summary). The program will not allow
you to proceed until "Y" or "N" has been entered. If "N" is
entered, the cursor is placed at the program mode prompt where
you can enter new loan data or exit the program by pressing
ESC. When the program is terminated, the CRT screen returns to
the display that was on the screen just before LOANPMT started
executing.
LOANPMT Ver 1.0
Page 26
PRINTING A LOAN PAYOFF SUMMARY
Once you have reached the Print Loan Payoff Summary prompt
as described above in the Loan Payoff section, the cursor will
be placed at the end of the following prompt:
Print loan payoff summary (Y/N)?
If the letter "Y" (or "y") does not appear under the cursor,
then press the "Y" key and press ENTER (or TAB or DOWN ARROW).
The following two lines will display the prompt:
Print to device:
PARALLEL PORT: LPT1 (PRN) LPT2 LPT3
The port highlighted is also printed after the prompt and
will be the port selected when you press the ENTER (or TAB or
DOWN ARROW) key. To change the port selection, use the RIGHT
ARROW or LEFT ARROW keys (or press "L") to move the highlighted
bar.
Once ENTER (or TAB or DOWN ARROW) has been pressed the
printout starts. If the program detects an error (either at
the beginning or during the printout), the printout stops and
the following error message will be displayed at the bottom of
the screen:
Printer not ready! --
Press ENTER when ready or ESC to cancel printout.
Normally any of the following can cause this error:
1. No printer attached to selected port (or port does not
exist).
2. Printer not powered on.
3. Printer not selected on line.
4. Printer out of paper or paper is jammed.
5. Printer failure.
6. Etc.
If the problem can be corrected, you can proceed with the
printout once you are ready by pressing ENTER. If the problem
is not immediately correctable, or if you do not wish to
continue with the printout, press ESC and the printout will be
terminated and you will be placed at the program mode selection
prompt.
If no problems are detected during the printout, the prompt
"PRINTING . . ." is displayed at the bottom of the screen. If
you need to stop the printout, then press the ESC key. When
the ESC key is pressed, the prompt "CANCEL PRINTING (Y/N)?" is
displayed. If you want to continue printing simply answer "N"
(for no), but if you want to cancel the printout, then answer
"Y" (for yes) and you will be placed at the program mode
selection prompt.
LOANPMT Ver 1.0
Page 27
PRINTING A LOAN PAYOFF SUMMARY (Continued)
After the printout is finished, the cursor returns to the
program mode selection prompt. You can enter new data to
process a new loan, or you can press the ESC key to terminate
the program. When the program is terminated, the CRT screen
returns to the display that was on the screen just before
LOANPMT started executing.
LOAN PAYMENT EXAMPLE
This example shows how LOANPMT can be used to find a monthly
loan payment. Let's say that Data Language Systems is in need
of some office improvements and we have had a number of
construction and remodeling contractors submit bids for the
work. We have decided to hire the contractor who has bid
$4,800, and after checking with various loan institutions, we
find that the prevailing annual percentage rate charged for
office improvement loans at our bank, The Last National Bank of
Yorktown, is 12.5% and the maximum length of time they will
lend money for our type of loan is 1 1/2 years (18 months).
They also tell us that we must pay a $15 filing fee so they can
file our loan with the county clerk and that this fee may not
be included in the loan. They also inform us that no points
will be charged for the loan. We now have all the information
needed to compute a monthly payment.
Make sure the files LOANPMT.EXE and LOANPMT.OVR are on the
disk of the assigned drive, and that they are in the current
directory or path. Next, at the DOS prompt, type LOANPMT and
press the ENTER key. The program will start execution, and the
LOANPMT screen will appear with the following message at bottom
of the screen:
Press ENTER to continue, or ESC to quit!
Make sure that EDIT and OVERWRITE are highlighted in the
status line at the top of the screen and do not change them
during this example. You may depress the NUM LOCK key, if you
wish, to allow numeric input from the numeric keypad. Notice
that whenever NUM LOCK is in effect, NUM is displayed at the
end of the status line. Now press the ENTER key. The LOANPMT
data entry screen will now appear and the program will position
you at the program mode prompt:
Program mode: Loan Payment Loan Payoff
with Loan Payment highlighted. Press the ENTER (or TAB or DOWN
ARROW) key to select Loan Payment mode. Notice that "Loan
Payment" is now displayed at the top of the data entry screen.
The cursor will now be placed at the prompt:
LOANPMT Ver 1.0
Page 28
LOAN PAYMENT EXAMPLE (CONTINUED)
Loan Company:
Type in: "The Last National Bank of Yorktown" and then press
the ENTER (or TAB or DOWN ARROW) key and the cursor will be
moved to the prompt:
Borrower:
Now type in: "Data Language Systems" and then press the
ENTER (or TAB or DOWN ARROW) key and the cursor advance to the
prompt:
Comment:
Enter: "Office Improvement Loan" and press the ENTER (or TAB
or DOWN ARROW) key and you will now see the Payment schedule
menu appear with Monthly highlighted. Press the ENTER (or TAB
or DOWN ARROW) key to select monthly payments and the cursor
will be positioned at the zero of the prompt:
Loan principal: $0
This prompt is where we enter the amount we are going to
borrow, so key in 4800 and press the ENTER (or TAB or DOWN
ARROW) key. Notice that the entry overwrites the zero that was
originally displayed at the prompt. The cursor will next
position itself at the zero of the prompt:
Additional loan costs: $0
Since the $15 filing fee cannot be financed, press the ENTER
(or TAB or DOWN ARROW) key to retain the zero. The cursor will
be advanced to the zero in the prompt:
Loan points charged: 0
No loan points are being charged for this loan, so press the
ENTER (or TAB or DOWN ARROW) key to retain the zero. The
cursor is now placed in the zero of the prompt:
Deferred principal: $0
From our discussion with the bank, no portion of this loan
is being deferred, so press the ENTER (or TAB or DOWN ARROW)
key to retain the zero. The cursor is now moved to the zero in
the prompt:
Annual percentage rate: 0
Enter the annual percentage rate charged for borrowing the
money here. So key in 12.5 and press the ENTER (or TAB or DOWN
ARROW) key. You will now see that the cursor has moved to the
character "one" in the prompt:
LOANPMT Ver 1.0
Page 29
LOAN PAYMENT EXAMPLE (CONTINUED)
Duration of loan in years: 1
Since we want to borrow the money for one and a half years,
we need to enter our loan duration in payments instead of
years. Press the F6 key to access the Loan Duration menu.
When the menu appears, you will see Years highlighted. Use the
RIGHT ARROW key (or press "P") to move the highlight to
payments and press ENTER (or TAB or DOWN ARROW). You will now
notice that the prompt has been changed to:
Duration of loan in payments: 12
Now key in 18 (i.e. 1 1/2 years x 12 months/year = 18
months) and press the ENTER (or TAB or DOWN ARROW) key. You
have now entered all the information the program needs to
compute the monthly payment which is now displayed:
Payment: $293.82
And the cursor is now displayed under the "N" in the prompt:
Print amortization table (Y/N)? N
Press F6 to select between PRINT, DISPLAY, or SAVE of
amortization table.
Before we proceed to print an amortization table, notice
that the following prompt now appears the lower left of the
data entry screen:
F2=Save Loan Data
Let's save the loan data we just entered. Press the F2 key
and the following prompt appears:
Before data can be saved, please enter
Date of first payment (MM-DD-YY): 9- 1-1989
Since this example was initially ran on 8-1-1989 and monthly
payments were previously selected, the default date was
9-1-1989. The date displayed for you though, will be one month
from the date found on your system clock.
You can always select the default date by pressing the ENTER
(or TAB or DOWN ARROW) key. But our loan requires the first
payment to be 9-1-1989. So key it in, if it is not already
displayed, and press the ENTER (or TAB or DOWN ARROW) key. The
program will now respond with the following prompt:
Save Loan Data Filename:
LOANPMT Ver 1.0
Page 30
LOAN PAYMENT EXAMPLE (CONTINUED)
Let's call this EXAMPLE1. So now keyin:
EXAMPLE1
and press the ENTER (or TAB or DOWN ARROW) key. If you have
loaded all the files from the distribution disk onto your disk
and if they are in the current DOS path, you will hear a beep
and the following message will be displayed at the bottom of
the screen:
File already exists! OK to overwrite (Y/N)? N
If you wish you can type in "Y" and press the ENTER (or TAB
or DOWN ARROW) key. When you answer "Y" or if you did not get
the "File already exists" message, your disk drive's light will
come on briefly, and then you will see the following message
displayed at the bottom your screen.
Data saved to file EXAMPLE1.PMT
Whether or not you save the file, you will be returned to
the prompt:
Print amortization table (Y/N)? N
Press F6 to select between PRINT, DISPLAY, or SAVE of
amortization table.
Now let's print the amortization table, but if you did not
want to print it, then you would just simply press the ENTER
key, and the cursor would return to the program mode selection
prompt so you can compute another loan. Or, if you wanted to
Display or Save an amortization table, you could follow the
instructions in the Displaying Amortization Table or Saving
Amortization Table sections. But, let's type in Y and press
the ENTER (or TAB or DOWN ARROW) key.
The cursor now appears in the month field of the following
prompt:
Date of first payment (MM-DD-YY): 9- 1-89
If you followed the instructions above, the date displayed
will be 9-1-1989, but if it is not, then key it in now and
press the ENTER (or TAB or DOWN ARROW) key.
The following prompts now appear on the screen:
Print to device: LPT1
PARALLEL PORT: LPT1 (PRN) LPT2 LPT3
and LPT1 (PRN) is highlighted. If your printer is connected to
a different port than LPT1, then use the arrow keys (or press
LOANPMT Ver 1.0
Page 31
LOAN PAYMENT EXAMPLE (CONTINUED)
"L") to move the highlighted bar to the correct port
designation. Now press the ENTER (or TAB or DOWN ARROW) key to
select the port for printer output.
Once the ENTER key has been pressed, and the program detects
no printer errors, the amortization table printout starts. The
prompt "PRINTING . . ." is displayed at the bottom of the
screen while the printout is in progress. But, if you get the
message:
Printer not ready! --
Press ENTER when ready or ESC to cancel printout.
refer to page 16.
The following amortization table was printed during this
example:
LOANPMT Ver 1.0
Page 32
LOAN PAYMENT EXAMPLE (CONTINUED)
LOAN AMORTIZATION PAGE 1
8-1-89
The Last National Bank of Yorktown
BORROWER: Data Language Systems
LOAN FOR: Office Improvement Loan
DEFERRED
LOAN COSTS POINTS PRINCIPAL PRINCIPAL
$0.00 0.000($0.00) $4800.00 $0.00
TERM OF LOAN ANNUAL AMOUNT
18 MONTHLY PAYMENTS % RATE PAYMENT FINANCED
(1 YR, 6 MO, 0 WK) 12.500% $293.83 $4800.00
PAYMENT PAYMENT INTEREST PRINCIPAL BALANCE
DATE NUMBER PAYMENT PAYMENT OF LOAN
9- 1-89 1 50.00 243.83 4556.17
10- 1-89 2 47.46 246.37 4309.80
11- 1-89 3 44.89 248.94 4060.86
12- 1-89 4 42.30 251.53 3809.33
TOTAL ____ __________ __________ PAYMENTS
FOR YEAR 1989: 4 $ 184.65 + $ 990.67 = $ 1175.32
TOTAL-TO-DATE: 4 $ 184.65 + $ 990.67 = $ 1175.32
1- 1-90 5 39.68 254.15 3555.18
2- 1-90 6 37.03 256.80 3298.38
3- 1-90 7 34.36 259.47 3038.91
4- 1-90 8 31.66 262.17 2776.74
5- 1-90 9 28.92 264.91 2511.83
6- 1-90 10 26.16 267.67 2244.16
7- 1-90 11 23.38 270.45 1973.71
8- 1-90 12 20.56 273.27 1700.44
9- 1-90 13 17.71 276.12 1424.32
10- 1-90 14 14.84 278.99 1145.33
11- 1-90 15 11.93 281.90 863.43
12- 1-90 16 8.99 284.84 578.59
TOTAL ____ __________ __________ PAYMENTS
FOR YEAR 1990: 12 $ 295.22 + $ 3230.74 = $ 3525.96
TOTAL-TO-DATE: 16 $ 479.87 + $ 4221.41 = $ 4701.28
1- 1-91 17 6.03 287.80 290.79
2- 1-91 18 3.03 290.79 0.00
TOTAL ____ __________ __________ PAYMENTS
FOR YEAR 1991: 2 $ 9.06 + $ 578.59 = $ 587.65
TOTAL-TO-DATE: 18 $ 488.93 + $ 4800.00 = $ 5288.93
AMOUNT OF FINAL PAYMENT = $293.82
LOANPMT Ver 1.0
Page 33
LOAN PAYMENT EXAMPLE (CONTINUED)
After the printout is finished, the cursor returns to the
Program Mode prompt. You could enter new data, but now press
the ESC key. The program is terminated, and the CRT screen is
returned to the display that was on the screen just before
LOANPMT started executing.
LOAN PAYOFF EXAMPLE
This example shows how LOANPMT can be used to find a payoff
balance for the loan created in the Loan Payment Example
section (see page 27).
Make sure the files LOANPMT.EXE, LOANPMT.OVR, and
EXAMPLE1.PMT are on the disk of the assigned drive, and make
sure they are in the current directory or path. Next, at the
DOS prompt, type LOANPMT and press the ENTER key. The program
will start execution, and the LOANPMT screen will appear with
the following message at bottom of the screen:
Press ENTER to continue, or ESC to quit!
Make sure that EDIT and OVERWRITE are highlighted in the
status line at the top of the screen and do not change them
during this example. You may depress the NUM LOCK key, if you
wish, to allow numeric input from the numeric keypad. Notice
that whenever NUM LOCK is in effect, NUM is displayed at the
end of the status line. Now press the ENTER key. The LOANPMT
data entry screen will now appear and the program will position
you at the program mode prompt:
Program mode: Loan Payment Loan Payoff
with Loan Payment highlighted. Press the RIGHT ARROW or LEFT
ARROW (or press the "L") key to move the highlight to Loan
Payoff. Now press the ENTER (or TAB or DOWN ARROW) key to
select Loan Payoff mode. Notice that "Loan Payoff" is now
displayed at the top of the data entry screen. The cursor will
now be placed at the prompt:
Loan Company:
Since we previously saved the loan to disk from the Loan
Payment Example section (see page 27), press the F3 key. The
following prompt will appear near the bottom of the screen:
Load Loan Data filename:
Now keyin:
EXAMPLE1
LOANPMT Ver 1.0
Page 34
LOAN PAYOFF EXAMPLE (Continued)
and press the ENTER (or TAB or DOWN ARROW) key. If the file
EXAMPLE1.PMT is not in the current DOS path, you will hear a
beep and the following error message will appear:
File not found!
If you get this error, you must either use the UP ARROW key
to return you to the top of the data entry screen so you can
enter the data shown in the Loan Payment Example section (see
page 27), or exit the program and load the file EXAMPLE1.PMT
from the distribution disk to the current DOS path.
If the program finds the file EXAMPLE1.PMT in the current
DOS path of your disk, the disk light will come on briefly.
Then the following message will appear at the bottom of the
screen:
Data loaded from file EXAMPLE1.PMT
and all the values retrieved from the file will be displayed
throughout the data entry screen. The cursor will be
positioned at the prompt:
Number of payments already made:
Let's keyin 12 and press the ENTER (or TAB or DOWN ARROW)
key. The payoff balance will be computed and displayed as:
Payoff balance: $1700.45
and the cursor will be positioned at the prompt:
Print loan payoff summary (Y/N)? N
If you do not want to print the loan payoff summary, answer
"N", but let's print one. Type "Y" and press the ENTER (or TAB
or DOWN ARROW) key. The following prompt will appear:
Print to device: LPT1
PARALLEL PORT: LPT1 (PRN) LPT2 LPT3
and LPT1 (PRN) is highlighted. If your printer is connected to
a different port than LPT1, then use the arrow keys (or press
"L") to move the highlighted bar to the correct port
designation. Now press the ENTER (or TAB or DOWN ARROW) key to
select the port for printer output.
Once the ENTER key has been pressed, and the program detects
no printer errors, the summary printout starts. The prompt
"PRINTING . . ." is displayed at the bottom of the screen.
But, if you get the message:
LOANPMT Ver 1.0
Page 35
LOAN PAYOFF EXAMPLE (Continued)
Printer not ready! --
Press ENTER when ready or ESC to cancel printout.
refer to page 16.
The following loan payoff summary was printed during this
example:
*** LOAN PAYOFF CALCULATION ***
The Last National Bank of Yorktown
BORROWER: Data Language Systems
LOAN FOR: Office Improvement Loan
Total amount financed: $4800.00
Annual percentage rate (APR): 12.5000%
Monthly payment: $293.83
Initial number of monthly payments: 18
Number of monthly payments already made: 12
Number of monthly payments remaining: 6
Amount required to payoff loan: $1700.45
After the printout is finished, the cursor returns to the
program mode selection prompt. You can enter new data to
process a new loan, or you can press the ESC key to terminate
the program. When the program is terminated, the CRT screen
returns to the display that was on the screen just before
LOANPMT started executing.
PROGRAM HISTORY
LOANPMT.EXE & LOANPMT.OVR
09-01-89 Version 1.0
Initial program release.
LOANPMT Ver 1.0
Page 36
PROGRAM ENHANCEMENT REQUESTS
(HOW TO RECEIVE A FREE PROGRAM UPGRADE)
If you have enhancements you would like to see incorporated
into the LOANPMT program, you are encouraged to submit them to
Data Language Systems.
If you are a registered user of LOANPMT you could receive a
free upgrade of LOANPMT for your enhancement request. If you
are the first registered user to submit a particular
enhancement request, and it is selected for incorporation into
LOANPMT, you will receive, free of charge, the upgrade of
LOANPMT that contains your requested enhancement.
To submit an enhancement request, please print (or type)
your request and mail it to Data Language Systems. Be sure to
include:
NAME, CUSTOMER NUMBER (if known)
ADDRESS
CITY, STATE, ZIP CODE
COUNTRY (if not USA)
(AREA CODE) PHONE#, BEST TIME TO CONTACT YOU (only include
this information if you do not mind if we call you in case
we need more information.)
The following are some of the enhancements that have
already been suggested:
1. Add menu of all .PMT files in current path to select from
when F3 is pressed.
2. Add method to change and save color attributes of display
screen color monitors.
3. Highlight the active data entry field.
4. Add a DOS shell.
All requests submitted become the property of Data Language
Systems, and Data Language Systems reserves the right to select
only those requests for incorporation into LOANPMT that are
determined to be feasible and viable enhancements to LOANPMT.
The postmark date on each request will be used to determine
which request was the first in case of duplicate requests by
more than one registered user.
Only registered users are eligible to participate in the
free upgrade offer, but you need not be a registered user to
submit an enhancement request.
To be eligible to receive a free upgrade under this offer,
the registered user must also agree to beta test the proposed
enhancement, with no charge to Data Language Systems, prior to
its official release.
LOANPMT Ver 1.0
Page 37
REPORTING LOANPMT BUGS
(HOW TO RECEIVE A FREE PROGRAM UPGRADE)
Although every attempt has been made to provide bug free
software, it is realistic to accept the fact that some bugs
will escape even the most aggressive testing.
If you find what you believe is a bug in the LOANPMT
program, you are encouraged to submit it to Data Language
Systems so it can be corrected.
If you are a registered user of LOANPMT, you could receive a
free upgrade of LOANPMT for your bug report. If you are the
first registered user to submit a particular bug for
correction, you will receive, free of charge, the upgrade of
LOANPMT that contains the bug fix.
To submit a bug, please print (or type) the condition that
you suspect to be a bug and mail it to Data Language Systems.
Be sure to include:
NAME, CUSTOMER NUMBER (if known)
ADDRESS
CITY, STATE, ZIP CODE
COUNTRY (if not USA)
(AREA CODE) PHONE#, BEST TIME TO CONTACT YOU (only include
this information if you do not mind if we call you in case
we need more information.)
All bugs submitted become the property of Data Language
Systems, and Data Language Systems reserves the right to only
modify LOANPMT for submissions that are determined to be actual
malfunctions of the intended design of LOANPMT. The postmark
date on each request will be used to determine which request
was the first in case of duplicate requests by more than one
registered user.
There will be situations where a reported bug will be
determined by Data Language Systems to be within the realm of
the actual program design (i.e. not really a bug). In these
cases, your submission will be handled as a Program Enhancement
Request (see page 36).
Only registered users are eligible to participate in the
free upgrade offer, but you need not be a registered user to
submit a bug.
To be eligible to receive a free upgrade under this offer,
the registered user must also agree to beta test the bug fix,
with no charge to Data Language Systems, prior to its official
release.
LOANPMT Ver 1.0
Page 38
SOFTWARE LICENSE
The LOANPMT program, its documentation, and all other files
on the distribution disk are copyright (C) 1989 by Data
Language Systems. All rights are reserved. You are free to
use, copy, and distribute LOANPMT if:
1. No fee is charged for use, copying or distribution.
Clubs, user groups, and shareware libraries may charge a
nominal fee of $5 or less for expenses and handling for
distributing LOANPMT.
2. The program and documentation are not modified in any
way.
3. All distribution disks must contain the files:
LOANPMT.EXE (Executable LOANPMT program)
LOANPMT.OVR (Executable program overlays)
LOANPMT.DOC (Documentation file)
INVOICE.DOC (Registration & Invoice forms)
EXAMPLE1.PMT (Loan payment file example #1)
EXAMPLE1.AMR (Loan amortization table file example #1)
README.TXT (Start-up instructions, etc.)
README.BAT (Batch file to typeout README.TXT)
These file names may not be changed, but they may be
archived or combined into one file named LOANPMT.ARC,
LOANPMT.ZIP, etc. to save space for distribution.
4. If you find this program useful, then register your use.
To register, fill out and return the User Registration
Form and Invoice along with the $15.00 fee to be eligible
for user support, etc. (see pages 42 & 43).
Site licenses and commercial licenses are available. Write
to the Data Language Systems for more information.
When you register your use of these programs, you will be
eligible to receive user support, and you will receive notices
of future upgrades and bug fixes, etc.
Any use or distribution of the LOANPMT program constitutes
agreement to and acceptance of this license.
This license and your right to use the software
automatically terminate if you fail to comply with any of the
provisions of this license.
If you have questions or comments about the use, licensing,
or registration of this program, or to submit enhancement
requests or report bugs, please write to Data Language Systems
at the address shown on the registration form.
LOANPMT Ver 1.0
Page 39
USER SUPPORT
If you are a registered user of LOANPMT and you experience
problems, need help, have questions, etc., then Data Language
Systems wants to hear from you.
Feel free to write us about anything you have to say about
our program. If you prefer, you may call us. Don Swartz will
usually be available for user phone support Monday through
Friday, 5:00PM-9:00PM EST. Please only call between the hours
listed for phone support, and please note that Indiana does NOT
observe EDT (Eastern Daylight savings Time) during the summer
months. So please plan your calls accordingly.
Call (317) 759-7367 and ask for Don Swartz. Please don't
get discouraged if he is not always available. We still want
to do everything we can to help you. Please call back. Not
only does he have a family, but he usually takes one computer
science night class every fall and spring semester at Ball
State University.
LOANPMT Ver 1.0
Page 40
A NOTE ABOUT SHAREWARE
LOANPMT is a Shareware program. Sometimes Shareware has
been called Freeware, User Supported Software, and other
names. Shareware is NOT Public Domain software. Data Language
Systems retains all rights to the software and its
documentation under the copyright laws and simply allows
distribution of this program and the documentation with the few
restrictions listed in the Software License on page 38.
Since this program is Shareware, you may look at, keep,
copy, etc. the software and the documentation, but if you use
this program, then register your use with Data Language
Systems. The registration fee for LOANPMT is only $15.00 and
is an inexpensive way to:
1. Guarantee you have the support of Data Language Systems.
2. Make sure you will know about updates, enhancements, bug
notices and fixes, etc.
3. Allow Data Language Systems to make these programs even
better.
4. Give credit to the author for providing you with a
program that has been useful to you.
You are free to run this software on your computer to make
sure it is compatible with your system and to make sure it
operates to your satisfaction before you "buy" it by sending in
the registration form and fee.
So please, if you find this program useful, then send in
your registration fee so Data Language Systems can continue to
support and improve the program. But, if after testing the
software, you find it unsatisfactory or incompatible, I welcome
your comments. User satisfaction is our goal at Data Language
Systems, and only by hearing from the people who use this
software can we achieve this goal.
Thank You For Your Support,
Donald L. Swartz
Data Language Systems
LOANPMT Ver 1.0
Page 41
DISCLAIMER
The LOANPMT program and its documentation are Copyright (C)
1989 by Data Language Systems. All rights are reserved.
This program and its documentation are supplied "AS IS"
without any warranty, expressed or implied. In no event will
Data Language Systems, or the author, be liable for any
damages, including (but not limited to) any lost profits, lost
savings, or other incidental or consequential damages arising
out of the use of or inability to use the program, even if Data
Language Systems or the author has been advised of the
possibility of such damages, or for any claim by any other
party.
Any use of the LOANPMT program and its documentation
constitutes agreement to and acceptance of this disclaimer.
Data Language Systems, however, does warrant that any
LOANPMT distribution diskettes obtained directly from Data
Language Systems will be free from defects in materials and
workmanship under normal use for a period of ninety (90) days
from the date of delivery to you as evidenced by a copy of your
Data Language Systems shipping invoice. If you wish to claim a
defective disk under this warranty, you must send the defective
LOANPMT distribution diskette and a copy of your Data Language
Systems invoice to us. You must state whether you want a full
refund of the purchase price of the diskette or a replacement
diskette. Refunds or replacements will only be made after the
diskette and the copy of your invoice have been received.
Distribution diskettes obtained from other Shareware
distributors are not covered by this warranty.
LOANPMT Ver 1.0
Page 42
USER REGISTRATION FORM
LOANPMT COPYRIGHT (C) 1989, DATA LANGUAGE SYSTEMS
ALL RIGHTS RESERVED
To register your use of LOANPMT, complete this form and mail
it along with the Invoice on page 43 and your check, money
order, or charge card information to:
Data Language Systems
Attn: Donald L. Swartz
R.R.#1, Box 18A
Yorktown, Indiana 47396
(Please print) DATE: _______________ LOANPMT Ver #___________
(Please Check One) ( ) MR., ( ) MS., or ( ) ________
NAME: _____________________________________________________
COMPANY: _____________________________________________________
STREET: _____________________________________________________
CITY: _____________________ STATE: _______ ZIP: __________
COUNTRY: _____________________________________________________
PHONE: (_________) ________________________________________
MICROCOMPUTER USED: __________________________________________
MONITOR: ( ) Monochrome ( ) Color
GRAPHICS CARD: ( ) MDA ( ) CGA ( ) EGA ( ) MCGA ( ) VGA
( ) Other __________________________________
DISK DRIVES:
# _____ 5 1/4" Floppy # _____ 3 1/2" Floppy
# _____ Hard Drives
PRINTERS:
( ) Dot Matrix ( ) Laser ( ) Other __________________
Printer brand name & model# _______________________________
HOW DID YOU ACQUIRE THIS PROGRAM:
( ) BBS ( ) User Group ( ) Shareware Library
( ) From a friend ( ) Direct from Data Language Systems
( ) Other _________________________________________________
WHAT WOULD YOU LIKE TO SEE ADDED TO THIS PROGRAM?
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
COMMENTS:
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
______________________________________________________________
LOANPMT Ver 1.0
Page 43
INVOICE # 090189
Remit to:
Data Language Systems
R.R.#1, Box 18A
Yorktown, IN 47396
(317) 759-7367
Ship to (please print):
_________________________________________________
_________________________________________________
_________________________________________________
_________________________________________________
_________________________________________________
UNIT
PRICE
DESCRIPTION QTY (U.S.$) TOTAL
LOANPMT Ver 1.0
registration fee. _____ $15.00 ___________
LOANPMT (5 1/4", 360K)
distribution disk. _____ $5.00 ___________
SUB TOTAL: ___________
SALES TAX (Indiana Residents) 5% ___________
Shipping & Handling - Air Mail (No charge for US,
Canada, & Mexico, $5.00 per distribution disk for
all other locations) ___________
TOTAL: ___________
Please send payment for total amount in U.S. funds only.
Method of payment (check one):
( ) Check ( ) Money Order ( ) MasterCard ( ) Visa
Charge card users must fill in the following, or you may phone
us at the number shown above from 5:00PM-9:00PM EST:
Account No. ___ ___ _ _____ _ _____ _____ _ Exp. Date _______
MasterCard only, four digit ICA number
Signature: ___________________________________________________
(required for all charge cards)
README.TXT
LOANPMT Ver 1.0, Copyright (C) 1989 by Data Language Systems, 9-1-89
This distribution disk contains the following files:
1. LOANPMT.EXE (Executable LOANPMT program)
2. LOANPMT.OVR (LOANPMT program overlay files)
3. LOANPMT.DOC (Documentation for the LOANPMT program)
4. INVOICE.DOC (Registration & Invoice forms)
5. EXAMPLE1.PMT (Loan payment file example #1)
6. EXAMPLE1.AMR (Loan amortization table file example #1)
7. README.TXT (This file)
8. README.BAT (Batch file to type this file).
If you did not receive all of these files, you can obtain a 5 1/4", 360K floppy
disk containing the latest version by sending $5.00 (for US, Canada, & Mexico),
or $10.00 for all other locations, (in US funds only) to the address below.
To run the program: A>LOANPMT
To printout the documentation: A>COPY LOANPMT.DOC > PRN
If you find this program useful, then register by sending $15.00 (US funds)
along with the filled forms contained in the file INVOICE.DOC to the address
below. MasterCard & Visa users may phone us at (317) 759-7367, 5:00PM-9:00PM
EST. Thank you for your support, Don Swartz
Data Language Systems (Please pass a copy)
R.R.#1, Box 18A (of these files on )
Yorktown, IN 47396 (to a friend. )
Directory of PC-SIG Library Disk #1854
Volume in drive A has no label
Directory of A:\
EXAMPLE1 AMR 3062 9-01-89 1:00a
EXAMPLE1 PMT 336 9-01-89 1:00a
FILE1854 TXT 1777 12-22-89 10:14a
GO BAT 38 1-01-80 1:37a
GO TXT 540 1-01-80 8:48a
INVOICE DOC 4942 9-01-89 1:00a
LOANPMT DOC 117718 9-01-89 1:00a
LOANPMT EXE 75216 9-01-89 1:00a
LOANPMT OVR 36316 9-01-89 1:00a
README BAT 33 9-01-89 1:00a
README TXT 1383 9-01-89 1:00a
11 file(s) 241361 bytes
75776 bytes free