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 *@?  MARGINAL L TAX RATEE 2@  5.PAYOUT CAP YEAR,)$䓠@mY@ 12.ROE Cp@  3. -DEPREC CAP YEAR}N>o- 10 DEBT COVERAG AGE RATIO =R&? NET INCOM E/DEBT SERVICE (@?  LOAN & CLOSING  4.PROFIT(+)/LOSS(-)x'*ě@! 8. PRICE O@ $@?  DP=DOWN  PAYMENT  2.-INTEREST(CAP YR)鴠(Np 9. NET INCOME q@ INCOME-EXPENSE &@?  A=LOAN AMOUNT ILITY ANALYSIS WORK AREA  FOR THE NEW ANALYSESz1-1-1-1-1-G----------------------------------------------------------------------1-1-1-1-1-1-1-1-1----i "@  P=PRICE p@  1. NET INCOMEq@1* ** * 1*1*1**************'ABCDEFGHIJKLv1-1-1-1-1->-------------------------------------------------------------1-1-1-1-1-1-1-1- -----------p  VARIABLES TERMSINVESTMENT FEASIB* :@? ACC--SL  5 YEARS------>UUUUU@&  * --------  * ;@? FLOW YR 1_ikMg@  ACC--SYD  5 YEARS------>ZLg1Ŝ@&  * MGT FEE  * v<@? FLOW YR 2Q )@  * MAINT @R@(@  * =@? FLOW YR 3_ws@  * UTILITIES3@P@@h/As@?HEӦq@?HdB.p@?H&#m@7K@?  150 DB9y@?@v@?Gqu@?HKH(=qp@@H|5e;m@@HXRi@@V}.@z@@HzƔ;iw@@HSgQt@@H dr@@ALS *O5J@?1=1=1=================1=1=1=1=1=1=1=6K@?DDB9@@@Kh/}@@GJ_cV? * METHOD *@@? @?@?@?@?@? @?$@? * 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 sub- *(scribers on the Sourticle #4). The command +)to access the Editor is ".ED" and is al- '%ways entered at the left margin of a +)blank line. When finished editing, type +)"FILE". Aside from the Editor, here are )'some of the commands to use for making %#changes while you are writing your letter:)'.Q (QUIT) - cancels the letter and re- "turns you to the primary prompt.+).TO - followed by an account number adds $"that person to the list of direct addressees.)'.TO - with a hyphen BEFORE the a#FO(ward) account #- To forward the message to another subscriber.#!F(ile) - to file messages in the MAIL.UFD*(F(ile) category - to file messages in a #specific category in the MAIL.UFD%#SA(ve) filename - To save messages '(including tding the header) again.&$NO - brings you to the Disposition: prompt.)'N(ext) - goes to the next message, by- passing Disposition:.+)D(elete) - deletes the message from your mailbox.*(RE(ply) - Allows immediate reply to the sender.%specific date.+) Additionally, the following options (&can be used when reading your mail at (&either the '-MORE-' or 'Disposition:' prompts.*Q(uit) - Returns you to the mail prompt.(&AG(ain) - Displays the entire message (inclued in your MAIL.UFD (more on that in a minute).%#FILE CATEGORY - Reads or scans the $"letters filed by category in your MAIL.UFD'%SU SUBJECT - To read letters about a specified subject.*(DA 6 JUN 84 - To read letters sent on a  the following can be *(preceded by either MAIL R (for READ) or MAIL SC (for scan):&$UN - Reads or scans only the UNREAD messages.'%EX - Reads or scans only the EXPRESS messages.(&FILE - Reads or scans the letters you '%have filping: MAIL SC UN.)' You can ask for your mail at com- (&mand level with the command MAIL READ *(which will display every letter in your )'mailbox. However, by using any of the )'following options, you can be more se- )'lective. Each ofumber.+)ead #- - Reads all messages from that number.+)elete # - Deletes scanned messages by (number using the same format for Read.*uit - Returns you to the mail prompt.)' You can also scan only the UNREAD "messages by tymessage by number. The following com- (&mands allow you to handle the scanned mail:%#ead (or Return) - will read all Scanned messages.'%ead # - reads scanned messages by number.(&ead -# - reads up to and including that nand. (SC stands for scan.) It will +)list the header of each letter (who sent '%it, how many lines, whether it's ex- '%press, when it was sent and the sub- *(ject). At the end of the Scan, it will *(ask you if you want to Read or Delete a )'Express mail as well )'as the total number of messages. (The *(MAILCK command is in my SID file and is *(activated automatically each time I log on.) *( If you have mail and don't want to '%read it all, you can use the MAIL SC +)commsend mail, *(let's get into reading what people send )'you. MAILCK is a command which checks +)the status of your mailbox. It lets you +)know if you have any mail sitting in the *(mailbox which has been read, any unread +)mail and any unread )password. If the password is forgotten, !the letter CANNOT be retrieved.+).LOAD Filename - places a file from your UFD into the letter.&$.S - typed on a separate line, this prompt SENDS your letter!+) Now that you know how to "the subject line in the address.+).PASSWORD - with a word only you and the +)recipient know adds another level of se- *(curity to your letter. When the letter '%is received, the header is displayed &$followed by a prompt requesting the +ccount +)number removes that person from the list of addressees.(&.DI - Displays the entire text of the letter.*.DI TO - Displays the "TO" address line.%.DI SU - Displays the subject line.)'.SU - and another subject will replacehe header) in a UFD file.*(SA(ve) IN filename - To append messages to a preexisting UFD file.*(SA(ve) TEXT filename - To save only the $TEXT of the message in a UFD file.+)SA(ve) TEXT IN filename - To append TEXT to a preexisting UFD file.&H(elp) - displays available options.(&UN(read) - Places the message in your &$unread mail when you next do a MAIL READ, MAIL SC or MAILCK.%P - returns to the previous prompt.)' The system will automatically re- *(turn you to Disposlic filing cabinet. &$Files, etc., you want to share with +)other subscribers must be stored in this )'area as it is the only area from which '%your files can be transferred and/or )'displayed by other subscribers. Files *(placed in this areaA089STC602 (return) (return)&$ Now to send mail to this list, type: MAIL ML filename.(& Just as your UFD is your private (&filing cabinet, you also have at your (&disposal a SHAREFILES UFD. It is, in '%effect, your pubend messages of many of the '%same people you may wish to create a (&text file of their account numbers to (&save having to type the accounts each &$time. Using the same principals as above,-> Enter filename (cr)BEGINTCA088TCre, don't have to see a %#long list of 'meaningless' numbers *(scroll by). QUIET placed at the end of *(the list means that none of the account +)numbers will be displayed on YOUR screen 'after you have used the '.S' command.+) If you sputer there are more names). *(In the "Members" list above, the NOSHOW &$and QUIET commands have been used. (&NOSHOW placed in front of the account (&numbers means the recipients will not '%see who else is receiving the letter '%(and, therefoGIN". Type a name for each (&distribution list followed by the ac- (&count numbers using one space between *(each number. Up to 200 account numbers (&can be on each mailing list; type the (&'&' at the beginning of each line (to ,*tell the comSales TCA123 STC602 TCA456 & TCA204$Members Noshow TCU305 CL1965 Quiet (return) (return)->*( Typing 'Enter Mail.Ref' at command '%level tells the system to access the )'system editor. It tells you it's read +)by saying "BE the second is a simple text +)file. Both are created using the system *(Editor. Some examples (again, what you (&type is in upper/lower case; what the !computer types is in all caps):-> Enter Mail.Ref (cr)BEGINBilling TCA089you know how to read and send )'mail. But, let's say you want to send )'messages to a whole bunch of subscrib- +)ers. There are two easy ways to do it. &$The first is a MAIL.REF file, where *(multiple lists can be entered and main- &$tained;you've filed )'in MAIL.UFD, use the MAIL DISPLAY FILE (&command. The computer will then tell *(you how many letters you have filed and &$how many categories, as well as the *(category names. You can then SCan File filename. )' Now plus a filename places your )'letter into the equivalent of a single )'file. Any other letters filed by that (&name are appended to the file. Indi- %#vidual letters cannot be extracted easily from that file.+) To read correspondence 'scanned and read individually and each '%one retains all the options normally available.+) FILE without a category name places &$the letter into the equivalent of a (&miscellaneous category, retaining all options.+) SAVE INedited, retransmitted or downloaded.&$ FILE plus a category name will )'store a letter in an area where it can +)be extracted individually, no matter how +)many other letters you have stored under '%that category. These letters can be )ition after using any )'of these options with the exception of Next or Quit.)' The FILE and SAVE commands listed )'above allow you to retain your corres- )'pondence in file areas of the Source. (&The letters stored there can later be & are created no dif- '%ferently than for your UFD. You can '%"enter" them, "ed", "load" them from )'your Apple or "copy" from your own UFD *(or someone else's sharefiles space. To &$create a SHAREFILES UFD, at command level type:(&-> SHAREFILES (cr) The computer will )'tell you that your sharefiles area has &$been created. Want to check? Type (&"Files" and see what it says. If you +)have a file in your UFD you want to make public, type:&$-> COPY (filename) SFILES>TCA1.The schedule is as follows::The Hanna Bldg., Euclid Avenue, Cleveland, Feb. 5-159The Armory, Mayfair St., Shaker Heights, Feb. 18-28 Town Hall, Toledo, May 5-23=;The scheduling from June 1 through mid-August has not been >Dear Mr. Paterson:?=Just a brief note to confirm the dates and locations of your ;9historical presentations across the state for the coming ?=year. If you have any conflict with the scheduling, please (contact my office as soon as possibleek, CA 94596 (415) 937-8410>------------------------------------------------------------MEMOTO:John PatersonHybrid Historical Society24 Milton StreetFreewater, Ohio 03755 SUBJECT:Historical Displayng lists '%and Sharefiles ALL create files and, (&therefore, add to your storage on the Source. your SFILES, type: +)-> SHAREFILES LIST @@. Your ID will be (&listed with ALL access rights. $REST *(stands for any other user. You are re- *(turned to command level once the infor- mation is displayed.*( REMEMBER! MAIL.UFD, mailiny other user.+) Once you've assigned access rights, *(you might want occasionally to check or *(change those rights. To see the access " rights of a single file, type: *(SHAREFILES LIST (filename). To see the )'rights set for all sing the 'L' or 'LD' command."W - The user can edit this file.+)A - for sub-directories only, a user can delete.ALL - All of the above apply.*(P - for sub-directories only, access is limited.+)NONE - the file is not accessible to a "Enter attributes:" From the list &$following, enter any combination of attributes.*(R - The user can read the contents of a file.*(U - The user can use the file (i.e., he can copy it to his area).(&L - The user can list this file u level type: ASF which moves ,*you to your Sharefiles area. Then type: %#SHAREFILES. The computer will ask +)"Which file(s) or sub-ufd(s) do you want (&to change?" Type your filename and a +)carriage return. The computer will then +)ask: your Sharefiles area are not ready (&for reading or using until you assign )'each one of them Access Rights. These *(rights will enable other users to read, '%use, or even modify (if you desire), !your public files. Here's how:*(At command+)->ASF (cr). This 'attaches' you to that )'area. To see your file, type: 'L' and (&it will be there. To go back to your *(main account, type: 'ALC'. And you're back where you started.+) The files, etc., you've transferred (&to 23>== *((cr). SFILES>TCA123 is your sharefiles '%area. >== will place the file there )'with the original name; you can change &$the name during the copy process by )'typing a new name instead of '=='. To $access your Sharefiles area, type: