X LThis is a data disk, not a startup disk. gDD/    INCOME.PROPERTY(ED.FUND.ANALYSP $TESTEWORKS.TEMP#)TIME.CERTS.TEMPy APPLEWORKS.TEMPp.TRIG.FUNCTIONSPO )BARREL.06S.TEMPo;CHECK.REGISTERP@1-LA.VEG.GARDENMP ,PSA.ARMS.5YREMPG+RENT.VS.BUYTEMP0/RESOURSES.OBJEC<S.RETIRE.CAPITALP _-S.S.WORKSHEETMP/STOCK.PORTFOLIOp TAWUG.7RKS' ,INFLA.ADJUSTEMP/INVEST.ACCUMULA_6.IRA.VS.TAXABLEP G.LIFE.INS.NEEDSP )LOAN.CALCS.TEMP,>.LOAN.REDUCTIONP3CROPgory 1PL SPRPL FALL# 100'0 FTDEPTHINCH APDAY/HAR   RMT NDNA NDPnS6-2460-75BETTER BOY PELICAN TERRIFIC`TURNIPS 1/1 - 2/28 8/1 - 12/311/8 OZ1/8 IN2-640-50'SEVEN TOP PURPLE TOP GLOBE JUST RIGHTICICLE SCARLET GLOBE^SHALLOTS 1/1 - 2/28 7/1 - 12/31250 PLTS1 IN4-850&DELTA GIANT LA EVERGREEN SUMMERGREENRSPINACH 1/1 - 2/28 10/1 - 12/311/4 OZ1/8 IN3-635-45AMERICAN VIKING MELODY]TOMATOES PLANTS 3/1 - 5/1 7/1 - 8/15 50-66 PLTS1 - 8/104-6 OZ1/2 IN4-670-805PINKEYE PURPLE HULL CALHOUN PURPLE HULL BLACKEYE #5aPOTATOES IRISH 1/20 - 2/28 8/15 - 9/10 10-12 LBS4 IN1290-110RED LASODA NORLAND NORCHIP[RADISHES 1/15 - 3/31 9/1 - 11/11 OZ1/8 IN122-28%SPARKLER WHITE LEAF CHINESE EVERGREEN\OKRA 3/1 - 6/30 7/1 - 8/11/2 OZ1/2 IN1260,LA GREEN VELVET CLEMSON SPINELESS EMERALDhONION LEEK (SETS) 1/1 - 1/30 12/15 - 12/314501 IN2-4120-150$EVERGREEN WHITE BUNCHING GRANO 502tPEAS SOUTHERN 3/1 - 6/30 7/1 9/11/4 OZ1/4 IN12-1850-65GEMINI 7 TRIUMPH SLICEMASTEReLETTUCE 1/1 - 1/31 8/15 - 9/301/32 OZ1/8 IN4-1245-80*BUTTERCRUNCH SALAD BOWL GREAT LAKES 659qMUSTARD GREENS 1/1 - 3/15 8/1 - 12/311/8 OZ1/8 IN1-235-501TENDERGREEN FLORIDA BROADIN1260-80'BURPEE HYBRID SPRINGTIME EARLY AUTUMNXCOLLARDS 3/15 - 6/30 7/1 - 10/11/16 OZ1/8 IN6-1275MORRIS HEADING VATES GEORGIAS CORN SWEET 2/15 - 5/153 OZ1/2 IN10-1269-72 SUGAR KING SUNDANCE BELLRINGERY CUCUMBERS 3/1 - 5/15 8/1 -kCABBAGE 1/1 - 1/30 7/1 - 11/11/32 OZ1/8 IN12-1565-750SUN-UP EARLY DUTCH HEAD RUBY BALL ROUND DUTCHZCARROTS 1/15 - 2/15 9/1 - 11/11/4 OZ1/8 IN1-270-75!DANVERS 126 IMPERATOR CHANTENAYiCHINESE CABBAGE 1/15 - 2/15 7/15 - 10/11/32 OZ1/4 1/2 IN2-348-55#BLUE LAKE 274 CONTENDER HARVESTERUBEETS 1/1 - 2/20 8/15 - 12/313/4 OZ1/4 IN2-455-60DETROIT DARK RED RUBY QUEENqBRUSSELS SPROUTS (SEED) 7/15 - 9/11/32 OZ1/8 IN12-15902LONG ISLAND IMP LONG ISLAND DWARF JADE CROSS E6ELECT RECORDSll print 8 lines]BEANS LIMA BUSH 3/1 - 5/30 8/1 - 9/11/2 LB1/2 IN3-460-67JACKSON WONDER CLARK'S BUSHeBEANS SNAP BUSH 2/15 - 5/15 8/10 - 9/101/2 LBEREC/VAR FALL.VEG.GR)))))))))))))))))))))    !!P  n CVS+1   -------- --------41*1*1* ** * 1*1*1**************d*** MAKE TWO  PASSES** ** * PESSIMISTI C VIEW OF ARM WITH INT RATEAT CAP LEVEL*01*1* !&'()*/01KLMNOPQRSTUVWXYZ[\] --------------->Q^Cy y@" *  * 9@?  INT RAT E 5TH YR /1@?  ACC--125 DB------------->ذ֪@&  * EXPENSES  7@?  INT RAT E 3RD YR0@  1ST SL --------------->UUUUUUk@"  * ------   * 8@?  INT RAT E 4TH YR*1@  1ST SYDON STATS***  * **YEARLY FIGURES**  * 6@?  INT RAT E 2ND YR-@  1ST 125 DB-------------->UUUUUt@"  * INCOME3@e@pr@~@(@  *  EXPENSE ANALYSI S * 4@?  PURCHASE YEAR @  MORTGAGE CAP %-----------> @ ***************1* *********5@?  INT RAT E 1ST YR)@  DEPRECIAT I%|2@?  YEARLY PAYMENT ( CAP YEAR) 0ZH@(@ **************1* *********3@?  DEPRECI ATION LIFE 2@  YEARLY INCREASE %--------> @ * INCOME/TE 1ST YEAR )@ 15.SALE RESULT 5YRS+7@{Gz?M1@?  MONTHLY  PAYMENT( CAP YEAR)]ue@NET CASH FLOW 1-5c\u@ 16.***IRR***------------->A@.@?  AMORT YRS @  7. INVESTMENT=DP+LC 14.EQUITY INC 5YRS'[߀@N?0@?  PAYMENTS/YEAR (@  ***INT RAAP YR Y@% *** CASH FLOW /DOWN PAY MENT AS %,@?  INT RATE --CAP 2@  6.INT RATE CAP YEAR1@ 13.LOAN COSTS  (TO BE DESIGNED) 11.MORTGAGE CON ONSTANT CAP YRNn[@Y@% DEBT SERV ICE/LOAN AMOUNT *@?  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FLOW YR 3_ws@  * UTILITIES3@P@@h/As@?HEӦq@?HdB.p@?H&#m@7K@?  150 DB9y@?@v@?Gqu@?HKH(=qp@@H|5e;m@@HXRi@@V}.@z@@HzƔ;iw@@HSgQt@@H dr@@ALS *O5J@?1=1=1=================1=1=1=1=1=1=1=6K@?DDB9@@@Kh/}@@GJ_cV? * METHOD *@@? @?@?@?@?@? @?$@? * TOT2I@?LIFE2@ @3I@?1=1=1=1=1=1=1=1=1=1=1=4J@>@?  1H@?SALV VAL ------->@Y@  ?  *1*1***M.G@?  * DEPRECIATI ON SCHEDULE*\/G@?PURC YR -------->@  *1*1***0H@?NEW COST------o@  * Q*E@? * NET INCOMEq@  * 9+E@? *  * I,F@? **************1* *********6-F@MISC i@  * J'C@? * -------  * ](D@? *TOTAL EXPENSEfffffʻ@  * K)D@? * DEPRECIATION}N> * YARD/SNOW @@  * a$B@? * VACANCY RATE@?  * =%B@? *  * I&C@? * ?  * TAXES P@  * P!@@?  * INSURANCE |@  * K"A@?  * TELEPHONE  * O#A@?i@?  * e>@? FLOW YR 4m@@  * REPAIRS @  * f?@? FLOW YR 5jP  * SUPPLIES Y@  * L @@?HyK1k@?HYy/h@?e\@8L@?  125 DB9UUUUUt@?@/bs@?G P r@?H!Zp@?H?@]Cy 5u@?@]?#t@?@:M@?SYD]Q^Cy y@?@]Lg1tx@?@]Hp}w@?@UUUUUUk@?@UUUUUUk@?@UUUUUUk@?@ly@I@I@??I@@@@o@ !-!-!-!-!-!-!-!-S total(\Q@Y_@q@! ! !  ' YTD totat Gasoline.@.@??&@Q?Q?@u Packaging??@@@@@?t Hardware!-!- ----------z Floppy disksq= ףp?q= ףp?A@A@43333K@.@.@7@sPostage??@@@@@@"$%!=!=!=!=!=!=!=!=7  Softwa are Expens es Per Mo nth for 1985!=!=!=!=!=!=!=!=L items....!.!. .unit cost ......qty ......Jan ......qty ......Feb$!-!-!-!-!- CA1NINIP nS?@UUUUUUk@?@UUUUUUk@?@UUUUUUk@?@UUUUUUk@?Humg@?¯ !@9L@?SL@UUUUUUk@?@UUUUUUk@}N>o@?H+m@?HhXMk@?H(kd-i@]:,r@?@]6P^Cq@?@]c:,o@?@]ZLg1l@?@k@@;M@?1-1-1-1-1-1-1-1-1-1-1-C<N@? **ACCUMUL2HR) Ò@2ذ֪@2Wv2M@2u@2FtIj@unt...$ Amount fi nanced..$  Total pay ments...$ Total int erest...$er 2 of of the nex xt 3 inputts>+  Amount fi nanced..$*****+  Input ter m in yr.#*****+  Input pay ment amt$*****  Ca lculate=!  Number of  payments Payment a mo-  -------  -------+ Debtor I. D........****** Interest rate/yr.%***** # of paym ents/yr.#(@(@(@(@(@(@(@(@(@(@0  O@?  150 DB+y@2VUUUU@2rq;@2h/ @22@2!'1@2@2AeMt@2V}.@ATED:=N@?DDB+@2^B{@2mC@9S@2 rֈ-@2¯ !@2¯ !@@P@?SL*UUUUUUk@2UUUUUU{@2@2UUUUUU@2UUUUU@2@2@2UUUUU?{Gz?{Gz?x??{Gz?{Gz?x????{Gz?{Gz?x??{Gz?{Gz?x?Loan      !-!-      New balan ce......$y New payme nt amountxnts left....#  Total pay ments...$        % Revised    * periodic payments$*****# Decreasein     + # of paym ents....#*****$  Ca lculate=!    % Present Loan      !-!-     W PaymeEnter one  of the n ext 3 inputs.   .  The 2 p ayment am ount inputs only.  may be entered f or the sa me loan.' Onetime extra      + payment a mount...$*****# Increasein  -  -------  -------* Debtor I. D.......*****+ Present b alance..$****** Interest rate/yr.%*****+  # of paym ents/yr.#*****+  Payment a mount...$*****6  2456789: !-!-!-!-   '  Loan Reduction     !-!-!-!-   B Loan InformationLoan 1Loan 2Loan 3Loan 4Loan 5C !-!-  -------  -------  ------ RM1NHNHP nS2}ܤ@2k@2k@@BP@?1-1-1-1-1-1-1-1-1-1-1-CP2y 5W@2k(@2ZLg1Ŝ@2P^C@2k(@U@2@2@A@P@?SYD*Q^Cy y@2b:,@{Gz?{Gz?  Payments left....#! Total pay ments...$ "        # Interest savings.$$        %        &   .**; Life ins.  protect* Furn/home im  improve.**? Reduce ins s. cost....* Mag/newspa apers......** Property tax......**  Miscellan eous.....**&!-!-  --------!-!-  --------- LIFE INSU.....* Homeowner s ins....**1 Diversifi cation...* Clothing.!.**3 Liquidity!.* Medical exp xpenses..**< Current in ncome....* Disability y ins.....**: Minimum e state tax* Entertain ment.....ransp..**+!-!-!- Auto insur rance.....**: Reduce inc come tax.* Medical i nsurance.**= Inflation  hedge...* Vacations... .........**2 Retirement t capital* Education!.**: Asset gro wth .**; Low conce rn........  = 2 Food......!.**B Moderate concern...  = 3 Utilities ..........**B High conc ern......  = 4 Home maint t/Rent...**B Very high  concern.  = 5 Auto opera /t** Business income...** !-!-!-!-!-!-!-G Financial  Priorities es Scores Budget items$ / mo$ / yr1 !- ---------!-!-!-  --------  -------E No concer n........  = 1Contributions ions.....;=>?@ABCDEFGHIJ!-!-!-!-)  Res ources an d Objectives!-!-!-!-* Earned Income  Your's  Spouse!------------------- Annual sa lary/wage** Annual bo nus's.... RM1NHNHP nS        9        :        ;        <        =        >        ?        @              0        1        2        3        4        5        6        7        8     '        (        )        *        +        ,        -        .        / RANCEGrowth.  TOTALSYour'sSpouse ChildrenRate 9!!-!-  ---------  ---------  ---------  ---------"" Face amou nt......$***"# Annual pr emium...$***)$ Present C ash Val.$**** %#% Cash Val i in 1 yr.$***)& Accum. di vidends.$**** %"' Last divi dend pd.$***#( Policy loa ans.....$***") Loan rate / yr....%****!-!-  --------!-!-!-*+AccountPer mo Interest  Taxable 7,  F;r  Your spo use's ear nings...$3s  Taxable interest. ........$^t  Total di vidends.. ........$9Y@'u  Other in come..... ........$***k Pers loan***l Other dbt***m!-  ---------  ---------<n  Totals.o!-!-!-!- p Taxable I ncome Sources:<q  Your ann ual earnin ngs.....$b!-!-!-!-!cAccountMonthly  Interest$dDEBTSbalancepaymentrate %*e!-  ---------  ---------  ---------f Home mrtg.***g 2nd mrtg.***h Invst mtg***i Chrg card.***j Auto loan*valuerate %!Z!-!-  ---------  --------- [ Your pensi ion bal..** \ Spouse pen nsion bal**] Residence!.**^ Personal property**_ Auto(s)..!.**` Other....!.**a Business practice.**Y@Y@sV Averages.!. ........$*MbP?Y@*MbP?Y@W!-!-!-!-XCurrentApprec#Y  OTHER ASSETS**Q Cable TV.!.****6R IRA - inv estments.***%S Misc. var iable....****5T!-!-  --------  --------  --------  -------}U Totals..$sing.****6L Gems/diam ond/coins***6M Gold/silv er.......***%N Cattle fe eding....****6O Cattle br eeding...***6P Timber... .........* ome......****%F R.E.- gro wth......****6G R.E.- tax  shelter.***%H Oil&Gas - income...****%I Oil&Gas c ompletion****$J Oil&Gas - drilling****%K Equipment  leaate %3?!-  --------  --------  --------  -------%@ Annuity -  variable****A Stocks...!.****%B Mutual Fu nd-income****%C Mutual Fu nd-growth****D Land.......!.****&E R.E.- incos; Average..!. ........%*MbP?Y@*MbP?Y@ <  --------!-!-  --------%=AccountPer moCash Apprec5> VARIABLEASSETSvalue$addtnsflow %rY@67 IRA - sav ings.....***A8 Misc. fix ed.......***Y@99!-!-  --------  --------  --------  --------U: Totals..$pal bonds***f5 Ins. Cash  Values..q6 Ins divid ends..... te of Dep***Y@A1 Corporate  bonds...***Y@A2 Mortgages .........***Y@83 Annuity -  fixed....***34 MuniciIXED ASSETSvalue$addtnsrate % interest9-!-!-  --------  --------  --------  --------@. Passbook sav/check***Y@A/ Money mrk t fund...***Y@A0 Certificav Reduction s to Income:(w  Personal  exemption ns......#*(x  Itemized  deduction ns......$*)y  Adjustmen nts (movin ng,etc).$*(z  Tax credi its...... ........$*({  Investmen nt deduct ions....$*|!-!-!-!-!-!-!-!-%} OBJECTIVES S and RESOUROURCES~!-!-!-!-!-!-!-!-' Long term  inflatio n rate..%*& Monthly t ake home pay.....$*' Monthly l iving exp enses...$*' Your desi red retir ement age*&  R?X3tRM@ S@XV@?@?1.BA薱@8&1ߨ`@?W`6L@?1.FR|I@8&1ߨ`@? QM@ʌR@WU@?@?1.B&@8&1ߨ`@U@U@?@?1.' C@8&1ߨ`@? 5 N@GR@VU@?@LYN@]OR@TU@?@?1.E޶@8&1ߨ`@?T1`}N@I_\R@*&1ߨ`@@O@LbQ5R@ST@?@?1.w*'@8&1ߨ`@?S@?^PT@? Payment No. PrincipalPayment Interest Princ PaidBQ@T@?1-1-1-1------------------1-RT@? ?1.*p@? Interest)@  % (APR)M@S@? Paymentsr&1ߨ`@???"NS@?)OON SCHEDULE **M1**CI@R@?Years@1=1=1=@JR@? Interest)@ %FKR@??Y@DecimalFLS@@?DQ@?E@Q@?FQ@?FGQ@? Loan Amtp@1=1=1=cHR@?Pmt/Yr(@ LOAN AMORT IZATI.....$* (trust fund t fund, not ot from asssets)Ca lculate=!ath b enefit..$*' Spouse pe nsion / m o.......$*'  Lump su m death b enefit..$*)  Disabili ty Income  sources/mo.& Company l ong term benefit.$*& Personal disabilit y insur.$*Y Other dis ab. benef itsergency  reserve$*' Education  cost/chi ld/yr...$*& Years of college p lanned..$*' Part of e ducation you pay.%*0  Company re retirement t plan benefits:' Your pens ion / mo. ........$*'  Lump su m deWith chil dren at h ome/mo..$*' After chi ldren gro wn/mo...$*' Retiremen t plan in come/mo.$*$ Additiona l survivo r income$& Rate of r eturn on capital.%*) Final exp ense(funera ral etc)$*& Survivor emetireme n income goal/mo.$*1  Survivor r income requirementsnts/mo:' With chil dren at h ome.....$*' After chi ldren are  grown..$*& From age 65 to lif e expect$*+  Spouse earnings as a survivor:' 6HS@Y@V@? @?1.gsd@8&1ߨ`@?4 L@\ʍ=|S@ZV@?"@?1.޶@8&1ߨ`@?L@TxD3S@[V@?$@?1.͙Ǵ@8?q?]$K@DϼUV@v]@?$@?1.-w4@8~ za@?Z+s=J@@?1._\`p@8~ za@?|sݪK@OU@u@]@?"@?1.Gz@8~ za@ql9U@s\@?@?1.K\9@8~ za@?J/L@{U@t]@? ?u4M@\T@r\@?@?1.yIuaB@8~ za@?UL@&T\m5@8~ za@?lnbM@7fBuT@q@\@?@?1.ĻR$@8~ za@o[@?@?1.m-ꆳ@8~ za@?kϨ3N@9F yT@p\@?@?1.TFv,O@S@n[@?@?1.p['׳@8~ za@?ΰN@2z;:T@ayment No. PrincipalPayment Interest Princ PaidBl[@?1-1-1-1------------------1-m@[@? ?1.*'@*~ za@? Paymentsr~ za@???"i@Z@?)jZ@?^kZ@? P?1=1=1=@e@Y@? Interest-@ %FfY@?(\?Y@DecimalFgY@? Interest-@  % (APR)hZ@p@?2@FbX@? Loan Amt'@1=1=1=ccX@?Pmt/Yr(@ LOAN AMORT IZATION SCHEDULE **M2**MdY@?Years@W@? ------- -------m_W@?TOTALNgO@jA%Ӆ@(\ܪˌ@`X@?Ra@X@?**TOTAL DEPREC#tlJK@RT@]@W@?(@?1.'@8&1ߨ`@?6iJ@B#ZOT@H^&1ߨ`@?f"K@.S@\W@?&@?1.WW/x@8&1ߨ`@?t bDV@w]@?&@?1.;c۰@8~ za@?fDxJ@IV@x^@?(@?1.+@U<@8~ za@?a.I@L,pV@Hy@^@? ------- -------mz^`abcdefghijklmn !-!-!-!-  <  Investmen t Accumul ation (Lu mp + Add)  *  !-!-!-!- VALUABLE FORMULAS?  Lump sum available ........$* DO NOT DISTURBQ  M RM1NHNHP nSJx+Y@b@?"@?1._6"@8א4b@?`pG@ 9Y@ b@?(g$I@pPAX@a@? @?1.0{˫@8א4b@?cRuH@?1.uV@8א4b@?kI@x] z}X@a@?@?1.9[@8א4b@W@a@?@?1.+IGG@8א4b@?/zJ@$F+p(X@a@?@?:$K@穘&ЁW@`a@?@?1.sծ@8א4b@?"K@ Sڎ1=%@8א4b@?uLckL@٣00W@@a@?@?1.BN@8א4b@---1-a@? ?1.*+@U<@*א4b@ @k M@ȬV@ a@?@?1."`@?)`@?^`@? Payment No. PrincipalPayment Interest Princ PaidB`@?1-1-1-1---------------?Q?Y@DecimalF@`@? Interest0@  % (APR)``@? Paymentsrא4b@????Pmt/Yr(@ LOAN AMORT IZATION SCHEDULE **M3**M_@?Years@@1=1=1=@`@? Interest0@ %F `@^@?TOTAL=7@鴠(N@V#@{^@?|_@?F}@_@? Loan Amt+@U<@1=1=1=c~_@onthly a dditions. ........$*ADDS/YR(@  Annual in terest ra te......%* INTERESTHz>?@(@?@Y@*(@$  9@?#Y@*(@%  :Y@*(@"  7@?#Y@*(@#  8@?#*(@   5@?#Y@*(@!  6@?#*(@  3@3@#Y@*(@  4@4@#Y@*(@  1@1@#Y@*(@  2@2@#Y@*(@  .@.@#Y@*(@  0@0@#Y@*(@  *@*@#Y@*(@  ,@,@#Y@(@  &@&@#Y@*(@  (@(@#Y@(@  "@"@#Y@*(@  $@$@#Y@*(@  @@#Y@*(@   @ @#Y@*(@  @@#Y@*(@  @@#Y@*(@  @@#Y@*(@  @@#Y@*-------   ??#Y@*(@   @@#Y@*R  Tax rate on intere st......%* TAX RATEY@    Ca lculate=!,     Annual  Tax on  Ending1    Year  Interest  Interest  Balance1    ----  --------  --------  -@?#Y@*(@&  ;@?#Y@*(@'  <@?#Y@*(@(  =@?#Y@* RM1NHNHP nS*(@(@<  H@?#Y@*(@=  I@?#Y@(@:  G@?#Y@*(@;  H@?#Y@*(@8  F@?#Y@*(@9  G@?#Y@*E@?#Y@*(@7  F@?#Y@*?#Y@*(@5  E@?#Y@*(@6  Y@*(@3  D@?#Y@*(@4  D@Y@*(@1  C@?#Y@*(@2  C@?#*(@/  B@?#Y@*(@0  B@?#*(@-  A@?#Y@*(@.  A@?#Y@(@+  @@?#Y@*(@,  @@?#Y@(@)  >@?#Y@*(@*  ?@?#Y@*!-!-!-!- Stock Portfolio !-!-!-!-/ You may e nter up to o 12 stoc ks here.. ??@?@?@?oqrstuvwY@?Y@ Gain/loss  (-)....$Y@?Y@?Y@?Y@?Y@?Y@?Y@?Y@?  Yield o n M.V...%?Y@?Y@??Y@ Market va lue.....$?Y@?Y@?Y@?Y@?Y@?Y@?Y@?Y@  Yield o n basis.%?Y@?Y@?Y@***** Cost basi s.......$******= Cost/shar e.......$************= Term:1=sh rt,2=long************= Price/sha re now..$************= Dividend/ share...$******* -------  -------  -------  -------  -------  -------  -------  -------= Company I .D.......************; Date of purchase************= No. share s.......#******@?@?@? @?"@?$@?&@?(@?  -------  -------  -------  ------- RM1NHNHP nS RM1NHNHP nS   <    nt after tax %! Interest rate required to c" equal mat urity val ue......% <(@?Y@6    7    8    9    :    ; I Taxes on future in terest..$$Y@  -------: After tax  maturity  value..$    : Available  to reinv est.....$% New inves tmenalty...$ :Y@    -------; Net penalt ty (after  tax)...$    P Value at maturity. ........$+(@PENALTY-      -------Q Gross pen alty..... ........$+a Tax refun d from pe  +y@*?*? Value if liquidate d.......$Q L Months re maining.. ........#    \ Interest  rate aft er tax..$*Y@Y@             Current v alue..... ........$<@(@  i Annual pa ssbook ra te......%*PB VAL%@ 3 MO C 6 MO C  Ca lculate=! PENALTYLUB?(@@? ....#* MO EXPIRD@  S Compound periods/y ear.....#* YR EXPIR@(@  5 Present y ear (1982  etc.)..#*    a Present m onth (Jan =1 etc.).*INT/PRD(DMonth of deposit(J an=1 etc)* (D@(@   Annual in terest ra te......%*Y@?#?y@? N Certifica te term i n moxz{|}~!-!-!-!-*  Time  Certific ate Analysis!-!-!-!-( Income ta x bracket ........%*' Original deposit.. ........$*( Year of d eposit(i. e. 1974).*Z !-!-!-!-/  Income N eeds Adju sted for Inflation!-!-!-!-( Today's i ncome goa l.......$*( Annual in flation r ate.....%*( Your pres ent age.. ........#*= ףp@= ףp@z Wife's pr esent age ........#*1@1@T@T@=@=@= ףp,@= ףp,@ Age of yo ungest chil ild.....#*  Enter 18  if none B@B@T@!-!-!-!-  F  Person al Life I nsuranceNeeds Valuable calculations+!-!-!-!- --> do no t touch <--f Husband's  present age.....#* Widow lif e expect RM1NHNHP nS 8Y@Y@@A@@8Y@Y@@ 8Y@Y@@Y@@9@@8Y@Y@@ 8Y@Y@@>@@8Y@Y@@@8Y@Y@@ 8Y@Y@@4@@8Y@Y@@ 8Y@Y@Y@ *Y@Y@$@@8Y@Y@@ 8Y@Y@@.@?*Y@Y@ *Y@Y@v@?*Y@Y@ *Y@Y@v@?*??*Y@Y@ *Y@Y@v@?*Y@Y@ *Y@Y@v@  Calc ulation=!    P urchasing  Increased  Power of   Income  Fixed   Required  Income   -------  -------7  vT@>@>@zG@zG@ Age of 2n d younges t child.#*  Enter 18  if none J@J@U@U@?@?@(\&@(\&@p Goals and needs:  M@M@@U@@U@@@@@Gz@Gz@} Monthly s urvivor i ncome desiredP@P@U@U@@@@@(\F@(\F@V  With children at home.$*  A@A@ףp  Ca lculate=!K@K@Q@Q@9     L@L@Q@Q@J! Income Ca pital Needs L@L@Q@Q@Q" --------- --------- --------- M@đ@P Personal capital a vailable$*J@J@̳@̳@P rate of r eturn on  capital%*J@J@Q@Q@Q Long term  inflatio n rate..%*K@K@Q@Q@B Shortage4(@4(@4(@4(@I@I@đ@?z(@?????I@I@fffffՑ@fffffՑ@I Coverage (% of max imum)...%Y@Y@ Capital@???n(@?????u(@????%%%H@H@= ףp@= ףp@  Estimated  Soc. Sec. Capital ShortageL(G@G@(\@(\@X  After  children  grown..$*  H@H@Gz@Gz@  At ag e 65..... ........$* Income Shortage%Y@>= ףp=??Y@4= ףp=?Y@G@G@\('@\('@  With children at home.$*  Employment etc Survivor  income a vailable Income DesiredF@F@Hz>@Hz>@  (Wife e mpl,ret p lan,etc/mo) - SocialSec*  years62@1@2@;1@2@/G@@P@%@P@F@F@QW@QW@xes  (Estate/ Income).$*  E@E@(\@(\@| Group ter m insuran ce face.$*  2+ child1 childtill 65from 65E@E@33333r@33333r@.  Lump su m death b enefit..$* Number ofn fund s.......$* Y@Y@%?D@D@Gzے@Gzے@X  Debts  and mort gages...$*  D@D@zG@zG@X  TaB@B@h@h@X  Final  expenses ........$*  C@C@333336@333336@k  Emerg ency fund ........$* do not to uch these!-C@C@ףp= @ףp= @  Educa tio= @ףp= @X  After  children  grown..$*  A@A@fffff͓@fffff͓@X  At ag e 65..... ........$*  B@B@p= ע@p= ע@_ Survivor immediate  cash req uirements  M@Q@Q@^# With 2 or  more chi ldren...$M@M@Q@Q@^$ With 1 ch ild...... ........$N@N@Q@Q@5% After chi ldren are  grown..$5& Age 65 an d after.. ........$ '    #( Immediate  CapitalNeeds () --------- --------- --------- 5*  Final  expenses ........$5+  Emerg ency fund @  By the ti me you re tire, you r Retire-%0@?0Z(@p= ף?u:),6UAn@???4@(@pany p ension/mo ........$  *.Y@? ;;p= ף?E@E@@@c    Calc ulation=!SS TOTINFL SSVAL @65E@E@33333@33333?@:0yE>D@D@fffff@@fffff@@t   Aftertax return on  both...%  * PEN @ RT SS EFF %D@D@33333@33333@   ComC@@@x   Present c apital av ailable.$  * RATE RETMO ADDFV CAPC@C@33333i@33333i@   Monthly ad dditions.. ........$  *#?Y@?Ao.$  * ef rr>rt65-nowINF-4%B@B@@@   Inflation  rate.... ........%  *.{Gz?{Gz?Y@?@P@@P@#{GzY@{Gz?C@@U@@U@@P@@P@A@A@@@g  Retiremen t age des ired....#  *   B@B@33333χ@33333χ@w  Retiremen t income goal/m@@7@7@d  Show all data in t oday's dollars.   @@@@%@%@J  rt-nowlife-rt65-rtA@A@@@  Present a ge....... ........#  *G  !-!-!-!-   @@@@W   Retiremen t Capital    ?@?@@@@@G  !-!-!-!-   @@ RM1NHNHP nS5    -------  .6 Shortage to be prov vided by   o7 personal life insu rance...$C  8  9  :  ;  <  tas l needs.$  1      <2 Present a ssets ava ilable..$  <3 Group lif e insuran ce......$  <4 Lump sum death ben efit....$  ........$5,  Educa tion fund s.......$5-  Debts ......... ........$<.  Taxes  (Estate/ Income).$  /    -------  D0 Total dea th capiF@F@fffff@fffff@  ment incom me goal w ill be..$.Y@?  F@F@]@]@e  If you li ve to 85 and your capital   G@G@.@.@g  earns 2% over infl ation, yo ur needed   G@G@@@  capital w ill be... ........$O???(@?$@?1. 1I6@8א4b@?h2tG@yyY@@b@?&@?1.> 3         4         5         6         7         8         9         :              ,         -         .         /         0         1         2        #     $         %         &         '         (         )         *         +?   N@N@@@g!  or increa se both t o a lesse r degree.   N@N@փ@փ@G"         O@O@@@   M@M@G@G@f  or increa se your mo onthly additions   M@M@$@$@   from....$  to...$N@L@L@33333@33333@f  either in crease th e rate of  return   L@L@h@h@  on presen t capital  to.....%B?Y@   K@K@@@G         L@L@33333@33333@f  If you ha ve a shor tage, you  need to   ? J@J@؄@؄@  Shortage.!. ........$H   K@K@@@   or su rplus.... ........$K I@I@fffff<@fffff<@w  Personal capital.. ........$RATIO1/YR J@J@33333 @33333 @{      h㈵> SHRT CAPSHRT MO I@I@n@n@  Company p ension... ........$e??Y@?@& .>   H@H@Ѕ@Ѕ@c  Capital v alue of i ncome sources:   H@H@@@  Social Se curity... ........$:?Y@?8א4b@??DZF@d;F8Z@`b@?(@?1.a,RU@8א4b@?Z"E@6TtYєZ@Hb@? ------- -------mb@?TOTALBi @8@-2@Hb@---ke@?TOTAL$P@Up{@ڌt@f@?F f@? Loan Amt0Z@1=1=1=c@f@?Pmt/e@?(@?1.0Z@8mEc@? B:@Y"r0`@He@? ------- ----+#>@KcSt_@e@?&@?1.U qQ@8mEc@?-Ԯ<@Kg_@8mEc@?5!)@@` z_@`e@?$@?1.SKY@8mEc@?? @?1. E@8mEc@?\, A@t^@@e@?"@?1.XuOQ@">]@e@?@?1.ƽ6@8mEc@?dA@Ja4^@ e@?1'C@(CB]@d@?@?1.C.$@8mEc@?%?oB@?1./Y@8mEc@?۾6~D@Um+[\@d@?@?1.>@8mEc@d@?@?1.UZwSئ@8mEc@?, pRE@WE>l\@d@?@:F@[@`d@?@?1.! Assuming retiremen t on your  birthday     "         /#   Savings  IRA etc     S  # of py mts per y ear.....  *  *  *     T  Term of  loan in years.....  *  *  *     U  # of ye ars to ba lloon.....  *  *  losing  costs.....!.  *       3    LOAN 1LOAN 2LOAN 3     L  Princip al amount!.  *  *  *     T  Mortgag e interes t (%/Yr.)  *  *  *  SECTION:       E  Home pu rchase co st........  *         Down payment (Compu ( mputed)...2      >  C$!-!-!-!-       =  Hom e Renting  vs. Buying       H!-!-!-!- GOTO > G16 GOTO > E12     D OWNERSHIP  INFORMAT ION INPUT RM]1L]NHNHP nS ;         <                  4         5         6         7         8         9         :         ntinues u ntil age     -         .         /         0         1         2         3Y@Y@     /)   --------  --------     S* Net Incom e/Mo....$     +         D, Income concome...$R?(@?R?(@?     ( Less inco me tax..$?(@     /$   -------  -------     a% Total con trib....$     I& Balance.. ........$     ' Monthly i n *     T  Monthly  pymt (ma nual)....  *  *  *     -  (co mputed)...     W  Monthly  loan fee s...........  *  *  *     h  Yearly property tax.......  * GOTO > G25 GOTO > E23     i  Yearly maint. co sts.......  * GOTO > G16 GOTO > E12     i  Selling  costs (%  of sale)  * ???   3  BALLOON*222   O1     2:{Gz?LOAN 3x   0  BALLOON*2222     /:{Gz?LOAN 2x???2222   O.    ,:{Gz?LOAN 1x???   -  BALLOON*DAT A - DO NO T ALTER!!YEARYEARYEARYEARYEAR   *  == == = ======= ??@@@@@@@@   O+   TO > D92       C& SQ. FT. C OST COMPA RISON GO TO > D105       D' OWNERSHIP  ADVANTAG E(+-) GO TO > D1275       G(!=!=!=!========== GOTO G16 ========= GOTO E12!=!=   K) VITAL * GOTO > G16 GOTO > E12     h#  Yr.chan ge in mai nt......%  * GOTO > G16 GOTO > E12     -$  Cal culate=!       D% YEARLY CO ST OF OWN ERSHIP GO  h  Monthly  maint. c osts....$  * GOTO > G16 GOTO > E12     g!  Square footage o f rental$  * GOTO > G16 GOTO > E12     g"  Yearly change in  rent...%  INFO RMATION:   GOTO > G16 GOTO > E12     H     GOTO > G16 GOTO > E12     j  Monthly  rent...... ........$  * GOTO > G16 GOTO > E12    * GOTO > G16 GOTO > E12     h  Savings  account rate....%  * GOTO > G16 GOTO > E12     H     GOTO > G16 GOTO > E12     W RENT h  Yr.chan ge in mai nt......%  * GOTO > G16 GOTO > E12     h  Yr.chan ge in pro p tax...%  * GOTO > G16 GOTO > E12     h  Margina l tax bra cket....%  GOTO > G16 GOTO > E12     h  Square footage o f home....  * GOTO > G16 GOTO > E12     h  Yearly appreciat ion.....%  * GOTO > G16 GOTO > E12    2   4TOTAL  BALLOON   5 RENT9(@{Gz?(@#{Gz?#{Gz?#{Gz?#{Gz?   6 MAINT9(@(@(@(@U Monthly R ent Cost/  Sq. Ft.(@(@(@(@**Q Monthly R ental Cost(@(@(@(@(@S Monthly O wnershipCost(@GK ======== GOTO > E101  ========  ========  ========  ========-M *** MONTH LY COST C OMPARISON OF ***(N  *** R ENTING VS  OWNING *{Gz?#{Gz?#{Gz?#{Gz?;I  --------  --------  --------  --------  --------J = Ownership Cost{Gz? F + Interes t Lost on CasheG  InvestedQ?(@{Gz?(@H - Income Tax Savings#{Gz?#{Gz?%{Gz?E + Property Taxes%{Gz?%{Gz?%{Gz?%{Gz?%D + Home Ma intenance%{Gz?%{Gz?%{Gz?%{;B  --------  --------  --------  --------  --------C = Financi ng Payment{{A + Loan Pr ocessingFee{{ @ + Princip al Repayment(((((*** HOME OWNERSHIP ***YEAR 1YEAR 2YEAR 3YEAR 4YEAR 5   >    -------- GOTO > E88 -------- GOTO > F101 -------- GOTO > G101 -------- GOTO > H101 -------- GOTO > I101   T? Mortgage Interest 8 LOAN 2       89LOAN 3       $:!=!=!=!=!=!=!=!=   $;           7< *** YEARL Y COST OF ***        O= (@{Gz?(@#{Gz?#{Gz?#{Gz?#{Gz?   ;7 LOAN 1       ;(@W Monthly O wn Cost/Sq. Ft.wX GOTO > E120 GOTO > F120 GOTO > G120 GOTO > H120 GOTO > I120-Y *** CUMUL ATIVE COS T COMPARISON ***+Z  ** ASSU MING SALE  AT YEAR END **,\END OFEND OFEND OFEND OFEND OF,]YEAR 1YEAR 2YEAR 3YEAR 4YEAR 5;^  --------  --------  -------? B:@ )ma@g@?@?1.PG@8]ue@?t18@?` g@? Payment No. PrincipalPayment Interest Princ PaidB@g@?1-1-1-1------------------1-`g@? ?1.0Z@8]ue@Y@DecimalFf@? Interest1@c  % (APR)f@? PaymentsV]ue@???)g@7522rn ======== GOTO > F75 ======== GOTO > G75 ======== GOTO > H75 ======== GOTO > I75 ======== GOTO > E > F123 -------- GOTO > G123 -------- GOTO > H123 -------- GOTO > I123!l HOME OWNE RSHIP ADVANTAGEm  (OR D ISADVANTAGE)222j + Cum. Rent Cost(@ (@ (@ (@ (@wk -------- GOTO > E123 -------- GOTO;h  --------  --------  --------  --------  --------i = Cum. Ga in/Loss on Sale;e  --------  --------  --------  --------  --------f = Gain/Lo ss on Saleg - Cum. Ow nership Costd - Down Py mt & Clos ing Costs---;b  --------  --------  --------  --------  --------c = Cash Proceeds{Gz?{Gz?{Gz?{Gz?{Gz?a - Loan Repayment7--  --------  --------_ Home Sales Price#{Gz?#{Gz?#{Gz?#{Gz?#{Gz?` - Selling CostsYda@g@?@?1.Qe!I@8]ue@?^R6@ǙE[R0b@g@?@?1.Ր@8]ue@?қt܋4@"9tb@g@?@?1.ܓX @?433333??????)k@? k@? ? ףp= ?{Gz?~Gz?{ 9S5/ yJT τ r}j@? 333333????? 333333?????433333?????? j@?P1 {  )ŤFLOW<_ikMg@Q )@_ws@m@@jPXj@?1-1-1-1-1-1-1-1-j@ @?@?@?@?X@j@?4-4-4-4-4-4-4-4-`j@??CDEFGHIJKLMNOPQRSTUVWXbj@?4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4-4- j@?YEAR@C@?i@?ni@?1*1* *********1*1**************************************************1*;i@? INTERNAL RATE OF RETURN*i@?1-1-----`i@------ -------mi@?TOTAL 0ZH@܎[n^f@0Z@H i@? ******** ********@i@?`h@?(@?1.]Zd@8]ue@?V@]Zd@Xh@? ------- -xݗ@18c d@h@?&@?1.pu;t@8]ue@?n&3@ Rld@8]ue@?\F"@M+ac@h@?$@?1. ~@8]ue@?@? @?1.]*@8]ue@?[ }'@Oc@`h@?"@?1.oG@kr50@Pcb@ h@?@?1.V @8]ue@?*KȩM+@Ec@@h8]ue@?"Rd2@b@h@?@?1.]@8]ue@?Gz?Q?{Gz?Q?{Gz??{Gz?@k@?P2 r} ďՄ { ޚ&V4 ̗ `k@? ? ףp= ?{Gz?~Gz?{Gz?Q?{Gz?Q?{G F RM1N1N1PnS?=FILE: Memo (Sample letter from "The Power of  Appleworks")DATE: APRIL 26, 1985FROM: Bob Wolff Farmers Insurance 255 Ygnacio Valley Road Walnut Cre"O=====|====|====|====|====|====|====|====|====|====|====|====|====|====|====|===," ?JY@"PERIODm@?;n@? NET CASH FLOW YEARS 1-5; n@?c\u@L!Y@PERIODm@? PERIOD4Sm@@'?K Y@PERIODm@? PERIOD5Xj@&PERIOD`m@? PERIOD2SQ )@)?M"Y@PERIODm@? PERIOD3S_ws@(??  ******1****7m@? PERIOD FLOWS* m@?1----@m@?2  PERIOD1S_ikMg@*?uuN#Y@?'l@?Vl@?1- ---******1* ***------1-1-1-1-1-1-al@? *IRR*@Y@% *;l@ `l@? ףp= ?I +?MbP?pt?MbP? /$?MbP?СE?MbP?Gz?MbP?-C6-C66?@l@?P4 Br ZF ̈L& N 4w A?Ѡ ? l@? ףp= ?I +?MbP?pt?MbP? /$?MbP?СE?MbP?Gz?MbP?-C6-Ck@? ?P +?MbP?jt?MbP?Mb?MbP?`d;O?MbP?ףp= ?MbP?+l@ףp= ?MbP?k@?P3  Vs7 m^ $lO W Brz??{Gz?+k@?k@? ?P +?MbP?jt?MbP?Mb?MbP?`d;O?MbP?DEGREESRADIANS' ENTER------> N@ =IF DEGREES EN NTERED MAKE RADIANS "0" & VICE VERSA.% MANUAL CALCU LATION E MPLOYED.1DEGREESRADIANSRESULTSRESULT   ( %HELPFUL HINTS....................#6% by Ina LevinsonMORE FROM THE SOURCE*( Back in article #4, we covered up- (&loading text files from your Apple to +%O=====|====|====|====|====|====|====|====|====|====|====|====|====|====|====|===<"EES/57.29578>9 TO CONVERT RADIANS TO DEGREES USE 57.29578*RADIANSN@55R?gyܥL@ MJ@? MJ@?i COSECANTN@55R?gyܥL@Y^8y??Y^8y??F<NOTE: ALL DEGREES CONVERTED TO RADIANS BY DEGR8@@@`TANGENTN@55R?gyܥL@V?V?j COTANGENTN@55R?gyܥL@DBNnQy??DBNnQy??gSECANT@"@&ACOSINEN@55R?gyܥL@dhk??@@@8@@@dhk??@@@N@55R?gyܥL@{#z?@@@^@@@"@&A{#z?@@@^@@@@@8@@@   DEGREESRADIANSRESULT`TANGENTN@55R?gyܥL@b?b?3 SINE(APPROX)z?z? DEGREESRADIANSRESULT COSINEN@55R?gyܥL@dhk??@@@8@@@dhk??*@2A&@A"@&A@@Cస?@^@@@Cస?@^@@@6 FORMULASSSINE/N@gyܥL@/55R?gyܥL@t}կ1*@2A&@A"@&A@@t}կ1 RM91(9NHNHP nSX@X@F@F@V@V@ O@O@":@>@":@>@  F@F@@@F@F@@@ E@E@Ԟ@Ԟ@E@E@@@ P@P@"<@>@"<@>@????F@F@D@D@@@D@D@J@J@w!--  -------  -------  E@E@\@\@E@E@@@ You retir e @ 65      C@C@@@C@C@ԥ@ԥ@g      D@D@J@J@D@D@@@ Retirement  Present  Maximum  a@B@B@t@t@B@B@P@P@ Ca lculate=!  %@C@C@@@C@C@@@gȦ@Ȧ@ Spouse's AIME for   factors.    B@B@ġ@ġ@B@B@@@ retiremen t.......$*>@ %@t@A@A@@@A@A@@@ Spouse's age.....#*  Securit y by vari ous inflation b@A@A@$@$@A@A@ncome c omputed b y multi-  @@@@4@4@@@@@@@ monthly e arnings.$*>@   plying earnings taxed bySocial>@ monthly e arnings.$**@!  AIME is  the Aver age Indexed @@@@@@@@@@.@.@ Retiremen t AIME or   Monthly  I=@=@>@>@q Present a ge......#* >@>@8@8@>@>@>@>@n Present AIME or  ?@?@@@?@?@>@January, 1983  --------  --------  --------  --------q   Present  Maximum*@*@>@>@q   -------  -------=@=@*@*@!-!-!-!-+  Soci al Securi ty Worksheet !-!-!-!- SS MAX AIMEW See manua l for AIM E definition  SURVIVOR  MAXIMUM  RETIRE  MAXIMUMV Benefits based on O@O@??2@@-@G@G@@@G@G@@@  2@@-@G@G@,@,@G@G@R@R@ Spouse be nefit@ 65??   5      6      7      8      9      :      ;      <      =       h1 N@N@" @@@" @@@  h2 N@N@"X@@@"X@@@  3      4   @"x@@@  h/ O@O@"@@@"@@@  h0 O@O@"@@@"@@@P@@@g,      @P@@P@@@@P@@P@@@A- Widow Ret ires @ 65  h. P@P@"x@@  O@O@@@O@O@L@L@+ 1 Child Only#??#??  P@P@@@P@N@N@@@) Widow + 1 Child#??#??  O@O@@@O@O@@@* 2 ChildrenN@N@@@N@N@@@( Family MaximumM?(\@q= ףp???  N@N@@@@M@@@M@M@ @ @& Survivor Benefits  Estimate  / Month  M@M@@@M@M@@@~'!- --------  --------  -------  ?  L@L@@@L@L@|@|@g$      L@L@@@L@L@F@F@w%   Present  Maximum  Mޠ@" O@O@":@>@":@>@  K@K@@@K@K@@@# O@O@?J@J@\@\@J@J@:@:@! (on own I ncome) 64"<@>@"<@>@  K@K@@@K@K@ޠ@?  I@I@@@I@I@@@g      J@J@@@J@J@@@q Spouse Re tire @ 65  @@ O@O@"@@"@@  I@I@,@,@I@I@L@L@ O@O@?  H@H@М@М@H@H@@@  (on Your  S.S.) 64"&@(@"&@(@  H@H@|@|@H@H@)the Source as well as using the Source's '%text editor to create files. In the +)article, I mentioned loading those files '%into the Mail System. This month we )'will go into detail on the mail system )'(lovingly called SMail) and will cover be the last element on the line. For example:'%-> MAIL EX TCA123 CC TCA456 SU IT'S RAINING!'% Once you've seen the ENTER TEXT )'prompt, you can begin typing your mes- )'sage. To make changes you can use the +)system editor (Ar, a Carbon Copy goes to TCA456 and a Blind Copy goes to TCA789.'%Remember! A command affects ALL the "account numbers which follow it!+) You can also add the subject to the )'command line. However, if the subject *(is used, it must83)'The letter is delivered on the day you specify.*( You can use a combination of these %#commands on the command line. For example:*-> MAIL EX AR TCA123 CC TCA456 BC TCA789(&This will send your letter EXPRESS to +)TCA123TCS744$REQUESTED .AR Account number+)When the recipient(s) read your message, +)an acknowledgement is automatically sent to the sender.+)DELAYED -> MAIL TCS744 DA 9 JUN  83DELIVERY .DA 9 JUN .BC Account number(&Again, a copy of your message goes to %#the account number(s) after 'BC'. *(However, the original recipient of your )'message will not see that someone else has been copied.#ACKNOWLEDGEMENT -> MAIL AR .CC Account number(&A copy of your message will go to the (&account number(s) listed after 'CC'. )'The original recipient of your message %will see that a copy has been sent.*BLIND COPY -> MAIL TCS744 BC TCA123$ on of what it does:OPTION HOW#EXPRESS -> MAIL EX TCA123 .EX(&This places your letter at the top of )'the recipient's mailbox. It is almost always faster.*COPY -> MAIL TCS744 CC TCA123$etting into sending mail, +)let's discuss some of the options avail- +)able to you. To make things easy, fol- +)lowing is the option, how to use it from '%command level and how to use it from *(within the text as well as a brief des- criptieally is (&no limit as to how many lines you can *(send to another person (I've been known (&to send close to 500). Just remember +)that each line shouldn't be more than 80 *(characters and must end with a carriage return.)' Before gg +)you'll see is: SUBJECT:. At that point +)you can type in the subject of your mes- )'sage followed by a carriage return and )'you will see: ENTER TEXT. Now you're *(in the mail system and can type away to )'your heart's content. There rl (&before (or have read the manual), you )'can shorten the steps by typing almost +)everything on one line. For example, if '%you know you want to send the letter (&EXPRESS you can type: MAIL EX TCS744 )'and a carriage return. The next thinat those times. *(But, for the most part, it IS quick and it certainly is easy.*( To access the mail system, at com- )'mand level type: MAIL. At that point '%the system will lead you through the (&steps. However, if you've used SMaice. I won't try to '%delude you and tell you it is ALWAYS )'fast. When the subscriber load online '%is heavy, just getting into the mail '%system can be a lesson in patience. )'And, getting the system to accept your *(letters can be a chore *(the Sharefile ability to make your pro- '%grams, files, etc., available to the other users.+) SourceMail is really an easy-to-use &$system. It is (most of the time) a *(quick way to get messages to other s