
                                 Time is Money(TM)

                                   Version 2.2

                Copyright (c) 1986 - 1991 by Custom Data Solutions
                                All Rights Reserved
                             Written by Martin Schiff

                                 _______
                            ____|__     |               (TM)
                         --|       |    |-------------------
                           |   ____|__  |  Association of
                           |  |       |_|  Shareware
                           |__|   o   |    Professionals
                         -----|   |   |---------------------
                              |___|___|    MEMBER


                                 Table of Contents

           Introduction..........................................  4
           Purchasing Time is Money..............................  6
           Disk Vendor Rules.....................................  9
           Association of Shareware Professionals................  10
           Warranty..............................................  11
           Getting Started.......................................  13
               Installation......................................  13
               Starting Program..................................  15
           Main Menu.............................................  16
           Client List...........................................  20
           Define Project........................................  24
           Add New Time Records..................................  26
           Enter Fixed Expense Records...........................  29
           Invoicing.............................................  32
           Reports...............................................  38
           Logging Invoice Payments..............................  41
           File Maintenance......................................  43
           Utilities.............................................  48
           Helpful Hints.........................................  51
               Miscellaneous.....................................  51
               Retainers.........................................  52
           Glossary..............................................  54














                                   INTRODUCTION

           Time is Money(TM) is a Shareware time and expense billing and
           accounting system that will allow you to completely automate
           your billing and receivables.  It supports time billing in
           any increment, and also the sale of equipment or fixed price
           contracts. Time is Money (for the sake of brevity I will
           sometimes refer to Time is Money as TIM) facilitates the time
           recording and billing process for anyone who bills by time
           and project.  It is a versatile time and expense billing
           system that maintains records, automatically generates
           invoices, and keeps a history of the payment of those
           invoices.  TIM is not a complete accounting system.  No
           general ledger or payables system is included, but it will
           handle all your time and expense billing requirements.  Some
           of the features included in this version of TIM are:

           Time recording in any increment by project
           Expense or fixed price contract recording
           Maintenance of client list
              Print labels
              Maintain client credit balances for retainers
              Bill to/Ship to reference
              Inclusion of contact name on "Attention:" line of
                 invoice address
           Automatic generation of invoices for all unbilled time
              and expenses by project for one or all clients
           All clients and projects can be billed for their
               unbilled time with one menu selection
           Statements of account by client
           Unbilled time and expense reports
           Pro-forma invoice
           Sales tax reporting and recording
           Unpaid bill report
           New printer support module with support for laser printers

           Although many time billing systems are available, very few
           can handle equipment sales as easily and as effectively as
           TIM.  Additionally, the source code is included in the
           registration package, allowing TIM to be customized to your
           own specifications.  Finally, TIM is designed to be simple to
           operate yet versatile.

                             PURCHASING TIME IS MONEY

           Time is Money is being distributed as user supported software
           (Shareware).  That is, if you are using TIM in your business
           you should pay for it based on the schedule below.  Please
           send all payments to:

                               CUSTOM DATA SOLUTIONS
                                248 Wood Lake Drive
                             Maitland, Florida  32751

           or phone (407) 767-9278 to order by MasterCard or Visa.

           I hope you will register this copy as an indication of your
           support for the Shareware concept.  Registration is required
           if you are using this program in a business environment after
           initial testing. Please send in the registration form
           provided in the file license.txt with your registration.

           You may ask what will I receive in return if I pay for the
           program?  Well, besides the satisfaction of paying for a
           program that you use and from which you derive benefit, you
           will receive the following based on the amount you send:

           $50 - Basic shareware registration package
               1. The latest shareware version of the program
               2. 1 hour of telephone support
               3. Installation guide
               4. On-line documentation
               5. Unlimited support on the CONSULT forum on CompuServe
               6. Free sign up kit and connect time for CompuServe

           $95 - Deluxe commercial distribution version (not shareware)
               1. The latest shareware version of the program
               2. 2 hours of telephone support
               3. Installation guide
               4. A FoxPro version of the program (if requested) which
                   includes a FoxPro runtime, and a command prompt
                   that allows you to create new reports, and do
                   your own queries on the databases.
               5. Unlimited support on the CONSULT forum on CompuServe
               6. Free sign up kit and connect time for CompuServe
               7. Printed user manual

           Additional support will be charged at $60 per hour computed
           by the minute at the discretion of the support personnel.  In
           many cases there will be no charge for the additional
           support.

           Support or registration may be paid for by Mastercard, Visa,
           or by sending a check in advance.  For $200 per year, you can
           receive unlimited free support, and free updates as they are
           issued.

           I am eager to hear suggestions, compliments and criticisms
           about Time is Money.  If you are a registered user, and I
           feel that your suggestion will add to the value of the
           program, it is quite likely that I will implement it very
           quickly and send you a new version of the program at no
           charge.  Custom modifications can also be implemented at an
           agreed upon charge.  If you are not a registered user, I
           would still like to hear your comments, etc.

                                 DISK VENDOR RULES

           Time is Money may be distributed by any approved member of
           the Association of Shareware Professionals (ASP), and it will
           be included in the officially approved team mailing for the
           ASP.  Otherwise, Time is Money MAY NOT BE sold, or included
           in any compilation of programs which are sold without the
           express written permission of Custom Data Solutions.  We urge
           all vendors to join the ASP as an expression of their support
           for quality shareware.

           For information on obtaining ASP Approved Vendor status,
           contact:

           ASP Executive Director
           545 Grover Road
           Muskegon, MI  49442-9427


                      ASSOCIATION OF SHAREWARE PROFESSIONALS

           Custom Data Solutions is a member of the Association of
           Shareware Professionals, an organization formed in April 1987
           to strengthen the future of shareware (user-supported
           software) as an alternative to commercially marketed
           software.  Its members, all of whom are programmers who
           subscribe to a code of ethics, are committed to the concept
           of shareware as a method of marketing.

           ASP has  established stringent standards for its member.  ASP
           wants to make sure that the shareware principle works for
           you.  If you are unable to resolve a shareware problem with
           an ASP member by contacting the member directly, ASP may be
           able to help.  The ASP Ombudsman can help you resolve a
           dispute or problem with an ASP member, but does not provide
           technical support for members' products.  Please write to the
           ASP Ombudsman at 545 Grover Rd. Muskegon, MI 49442-9427 or a
           CompuServe message via Easyplex to ASP Ombudsman 70007,3536.

                                     WARRANTY

                                 TIME IS MONEY(TM)
                    Copyright (C) 1986 - 1991 by Martin Schiff

           This program is warranted to be as free from problems as I
           could make it, but beyond that, I will not be responsible for
           improper billing, or any other problems that may occur as a
           result of the proper or improper use of this software.  If
           you are a registered user and entitled to support, I will
           make every effort to correct any problem which may occur, and
           to provide you with a corrected version of the program.  It
           should be understood that this program uses either FoxPro
           (Trademark Fox Software, Inc.), or Clipper compiler
           (Trademark Nantucket), and in no way will I be responsible
           for problems generated by any of these packages.  However, I
           will attempt to work around them for registered users.

           There are no other warranties either implied or expressed
           that apply to this package.  I will not be responsible for
           any losses or problems that may occur as a result of the use
           of this software.

           Clipper is a trademark of Nantucket
           FoxPro is a trademark of Fox Software

                                  GETTING STARTED

                                   INSTALLATION

           Time is Money version 2.2 requires an IBM-PC/XT, AT or
           compatible computer with a hard disk having at least 900K of
           free space, and approximately 450K of free ram memory after
           loading DOS and your normal operating environment. It will
           run on either color or monochrome systems, and can utilize
           practically any printer.  Other versions of Time is Money
           which will run on systems with less memory are available on
           request to registered users.  Also, a FoxPro version is
           available which has a command line interface that simulates
           the command prompt in FoxPro.

           First copy all the files from this archive into a new
           directory on your hard disk, and then type INSTALL <enter> to
           install the program.  If you are using a previous version of
           Time is Money, and are a registered user call for an update
           program before installing this version.

           In order to run Time is Money, you must have a CONFIG.SYS
           file in the root directory of your boot disk.  It must have
           the following minimum values:

           FILES=30
           BUFFERS=15

           If you do not have a CONFIG.SYS file, you can create one as
           follows.  At the DOS prompt of your hard disk (i.e. C>) type
           the following and press the <Enter> key after each line:

           CD\
           COPY CON:CONFIG.SYS
           FILES=30
           BUFFERS=15


           Then press function key F6 (it will display ^Z) and the
           <Enter> key. You will get the message "1 file copied."

                                 STARTING PROGRAM

           The shareware version of TIM is started by typing START <Enter>
           from within the TIM directory (type CD \TIM <Enter> to get
           into the TIM directory) .  Once you are at the main menu, you
           should press function key F1 to read the on-line manual.  The
           manual is available at almost any point during program
           operation, so if you have a question about what you are doing
           at any time just press F1.

           The FoxPro version is started by typing FOXR TIMFOX from
           the DOS prompt in the TIM directory.  Alternately you can use
           the batch files provided (START.BAT for the shareware version
           and STARTFOX.BAT for the FoxPro version).  Just type START
           <Enter> or STARTFOX <Enter> from the DOS prompt in the TIM
           directory to use that method.  Remember that if you are using
           a menu program which uses batch files to run Time is Money,
           you should either include the batch instructions in your batch
           file, or use the dos CALL command.
                                     MAIN MENU

           After starting up the program, a title screen will appear.
           You can press the space bar to go past the title screen, or
           wait and it will automatically go on after a few seconds. The
           next screen you will see is the Main Menu This menu is the
           heart of the Time is Money system.  Almost any function of
           TIM can be accessed from the Main Menu.  To choose an option
           from the main menu, press the key indicated.  It is not
           necessary to press the <Enter> key.

           To begin using the power and time saving capabilities of Time
           is Money, you must first set up the system with the
           information it needs to function. The first step is to input
           your company information.  You will use MODIFY company
           information (option M) to accomplish this.  First select M on
           the Main Menu and you will be presented with a data entry
           screen that asks for information about your company.

           At the bottom of the screen you will see the standard data
           modification menu for Time is Money.  Once you learn how to
           use this menu, you will have mastered 80% of this program,
           and the other 20% should be self evident.  You will notice
           that you can execute a number of commands from this menu.
           These functions are: Add a company, Change a company, Delete
           a company, Find a company, display the Next or Previous
           company, and List all of the companies (if you decide to
           define more than one company), you will be able to page up or
           down, and select a particular record for editing, or press
           the first letter of the company code to move directly to that
           part of the list.

           Now you may well ask what is the use of all this since I am
           only one company?  Very perceptive, but it will be very
           useful when you want to edit your time records, or client
           list.  To enter your company information, press A for Add and
           type in all the information requested.  If you fill a field
           the cursor will automatically go on to the next field. If
           not, you must press <Enter> to go on.  You should type the
           information exactly as you wish it to appear on your invoice
           headings (i.e. upper and lower case where desired).

           Most of the prompts are self explanatory, but there are a
           couple that may need clarification.  The Invoice Prefix is an
           upper case code that uniquely identifies your company.
           Invoice numbers will be of the form PREFIX+NUMBER (i.e. "ABC
           123"), where ABC identifies your company.  It is necessary to
           use 3 letters, 1 or 2 are not acceptable.  The initials of
           your company name are a good choice.  You can create multiple
           companies if you desire to bill using more than one company
           name, but all the accounting information will be kept
           together.  The current invoice number is the number used to
           start your series of invoices for that particular company.
           You should note that the prefix of the company that is
           currently selected is displayed on the main menu beneath the
           Main Menu heading.

           After you have input all the information for your company,
           you should go on to enter your client list using option C,
           and then C again at the client submenu. This option works
           similarly to the company edit screen, and then you must input
           your project names by selecting option D (DEFINE new
           project).  See the pages regarding these options for further
           information.

           When you have all the information entered, you can begin
           keeping time records for your projects.  Further information
           about this function can be found under Add new time records.

           Time is Money comes pre-configured for a color system, and an
           Epson compatible printer.  If you need to change to
           monochrome, use the Setup option and respond to the
           appropriate prompt that you have a (M)onochrome system.  The
           "What printer?" option will allow you to change your printer
           type.  See the section for "Setup" and "What printer?" for
           further information.

                                    CLIENT LIST

           The client list is a record of all your clients that
           includes: Company name, address, contact person, telephone
           number, credit balance (if any) and a comment.  You must give
           each client a unique identification code.  I recommend using
           alpha codes, such as a last name for a company that uses a
           person's name as the company name, or a portion of the
           company name if it is not a person's name (i.e. "The Real
           Estate Company" could be "TREC" or "REALEST").  The code will
           be automatically converted to upper case on input. When a
           project is created, use this client code to identify the
           client to be billed.

           Next to the contact field, you will notice a prompt
           "Include?".  Answer Y if you want the contact's name to
           appear in an attention line (Attention: "Contact Name") on
           the address of your invoice.

           The "Distance" field allows Time is Money to keep track of
           the distance that you drive in a mileage log.  This distance
           should be the ROUND TRIP distance to your client's location
           from your office.  When you are entering your time records,
           if you use "TRAVEL" as the ACTIVITY, the program will display
           a prompt for DISTANCE, with the distance to your client
           already entered.  If it is not correct (if you went from
           another location for instance), you can edit the mileage
           figure.  If you prefer a designation other than "TRAVEL", you
           can go into Setup and choose another name.  If you wish to be
           prompted for mileage on each time record, then enter a "*"
           for the travel designation.

           The "Credits" field should be left blank unless the client
           currently has a credit with you for overpayment of a previous
           invoice.  The "Ship to" field is used as a pointer to another
           client record.  This allows you to have a "ship to" address
           printed on your invoice that is different than the "bill to"
           address.  If this field is left blank, there will be only one
           address printed on the invoice, and there will be no "Ship
           to" or "Bill to" identifiers printed.  If you need a ship to
           address, create a second client record with a different
           client code (you could add a number to the first code -- i.e.
           MJS and MJS2) and input the client code of the second record
           in the original record as a "Ship to" pointer.  This is
           especially handy in the case of a lease where the equipment
           is delivered to your client, but sold to the leasing company.
           You would have a client record for the leasing company, and
           in the "ship to" field you would put the client code for the
           client that is leasing the equipment.  The "ship to" field
           can be edited at any time if there is more than one "ship to"
           address for a client (as in the case of a leasing company).

           Now we can really see the benefit of the List command on the
           client maintenance menu.  Once you press L for List, you will
           see a screen that shows you the records in your client file
           in table form.  You can page up and down, or use the cursor
           key to move up and down in the list.  Also, with the
           shareware (Clipper) version, you can press any letter to move
           to the first record that has a client code which begins with
           that letter (or number if you use numbers).  Remember that
           the client code field is an alpha field, so if you use
           numbers, they will be sorted in alpha rather than numeric
           order (i.e. 1,11,2,21,3 rather than 1,2,3,11,21).  With the
           Clipper version, you can press <Enter> to return to the main
           menu, or use the cursor key to pan throught the fields left
           or right. With the FoxPro version, to find a record in the
           List subsystem, Press Ctrl-F and you will get a find window.
           Follow the instructions, and press Ctrl-Enter when you are
           ready to begin your search.  This search is very handy when
           you want to find a record by something other than the key
           since it searches through every field for the characters you
           type. Select "ignore case" if you want to find all
           occurrences regardless of capitalization.  In the FoxPro
           version, you can edit all fields of the client database in
           the List function which uses the "browse" command in FoxPro.
           Press <Enter> to move from field to field, and to wrap back
           to the first field after the last one.  Use of a mouse is
           supported completely in the FoxPro version, so you can simply
           point to the record and/or field that you want with a mouse.
           See the section on mouse use for further details.

                                  DEFINE PROJECT

           Time is Money keeps track of time records by project.  It
           allows you to have multiple projects for a client (as many as
           you want), and allows you to set a billing rate for each
           project.  This billing rate can be any time period that you
           choose (i.e. HOUR, DAY, WEEK, etc.).  All time and expense
           records are attributed to projects.  Project names can be up
           to 10 characters, and could be anything that you find easy to
           remember.  Some suggestions could be an acronym of the actual
           project name (such as ACCTG or ACCOUNTS for "Set up
           Accounting System"), or a purchase order number if the client
           issues one.  The project code is not displayed on the
           invoice, so it should be easy for you to remember (for
           instance, if the client is a real pain, you could use
           "OUCH").  The project name is displayed on the invoice as a
           reference for the client, so it should be descriptive and
           could include a purchase order number or any other
           information that will be meaningful to the client.  The
           customer code is the code you assigned the client when you
           created their record, and the rate is the rate per time
           period you wish to charge the client.  Time unit is a
           singular description of the unit of time that you will bill
           for this project (HOUR, WEEK, DAY, MONTH, etc.).





                               ADD NEW TIME RECORDS

           As the title of this program states, Time is Money, and this
           module is used to record your time for later billing.  Time
           records are entered by project code, and invoices are later
           generated for a particular project.  If you enter your time
           records every day, you will find that you will spend very
           little time doing your bookkeeping as you will remember most
           of what you have done that day.  When entering a time record
           for a new client or a new project for an existing client,
           just type in the name that you intend to call the project,
           and you will be given the option to create a new client
           and/or project on the spot.  This way you do not have to
           return to the main menu.  If the project code already exists,
           but you cannot remember it, just enter a "?" (without the
           quotes) and a window will pop up with all of your projects,
           their full descriptions and client codes.  You can choose the
           project from this list, by using the PgUp or PgDn keys to
           find the one you want, or by pressing the first letter in the
           project code to get close to it first, then press <Enter> to
           select that project.

           The date defaults to the system date in your machine, but can
           be changed if you want to input for a previous date or future
           date.  Once you have entered a date, that date will be used
           until you exit the Add mode, or until you type in a new date.
           This way if you have many entries to make for a previous
           date, you do not have to retype the date each time.

           Activity is used to sort the time records into categories on
           the invoice.  For instance, if you use CONSULT as the
           activity, all time records that have an activity of CONSULT
           will appear together on the invoice under a subheading of
           CONSULT.  Some suggested activities could be CONSULT, DESIGN,
           PHONE, MODIFY, etc.  There is only one activity that is
           special and that affects the operation of the program.  If
           you use TRAVEL as the activity, the round trip mileage to the
           client's location will be stored in that time record for
           later use in a time log.  The Distance prompt will only be
           displayed if the activity is TRAVEL unless you use the Setup
           facility to change the travel prompt to something else. You
           could also use the activity field to keep track of billing by
           different people on the project.  Just use the initials or
           name of the person doing the work, and it will be sorted on
           this field on the invoice and the time report.

           The description field should be used for a detailed
           description of the service performed.  When the time record
           is completed, you will be asked to verify the accuracy of the
           input.  If you respond "Y", you will be prompted for a new
           time record.  At this point, you can press <Enter> to add
           another time record for the same project, type in a new
           project name, or press function key F10 to quit entering time
           records.  If you want to change to another project, press
           <Ctrl> Y, and the field will be cleared for input, or just
           type over the previous code using the space bar to remove any
           extraneous characters.  If you respond with any character
           other than "Y" or "y", you will be given the opportunity to
           return and edit any field.


                            ENTER FIXED EXPENSE RECORDS

           The fixed expense record subsystem can be used for many
           purposes.  It can be used for the sale of equipment or
           supplies, or other fixed price items.  For those who bill all
           or part of their time in fixed price contracts, it can be
           used for progress payments by entering the amount currently
           due as a fixed expense and generating an invoice.  In short,
           any billing not based on time increments, should be generated
           through this system.

           When entering fixed expense records, you must first enter a
           project code.  If you enter an invalid project code, you will
           be given the opportunity to create a new project and/or
           client record, so it is not necessary to return to the main
           menu if you have not already entered this information.  If
           you cannot remember the project code, enter a "?" (without
           the quotes) and you will be presented with a list of possible
           project codes.  Use the PgUp and PgDn key to find the
           required project code or press the first letter of the
           project code to get close to it first and use the cursor keys
           to position on the correct record.  Then press <Enter> to
           choose the highlighted record. This will automatically fill
           in the project code with your choice.

           After you create your new project, or correct an erroneous
           one, the code will be checked for validity.  Once the code
           has been validated, you will be prompted for a description.
           You should enter a description of the product or service that
           was provided.  You will then be given the opportunity to
           enter a quantity and price for the item described.  These
           entries are for your convenience only, and are not used on
           the invoice, nor are they saved in any way.  They are just
           available to facilitate the extension of unit price and
           quantity.  If there is only one item, you can leave the
           quantity and price fields at 0, and just enter the total
           price in AMOUNT if you wish. You will then be prompted for an
           amount, a date and the sales tax status of the item.  If you
           indicate that it is taxable, the tax will be calculated and
           stored in the expense file.  It will be labeled as SALES TAX,
           and the rate will be based on the sales tax rate you entered
           in SETUP.  A sales tax entry will be made for each item that
           is taxable, since there may be taxable and non-taxable items
           included in the same invoice.

           When you have completed the data entry, you will be asked to
           verify its accuracy.  If you indicate that it is correct
           ("Y"), you will be returned to the description prompt to
           enter a new record for the same project.  If you are
           finished, or wish to change projects, just press the <Enter>
           key on a blank field, and you will return to the project code
           prompt.  If you are completely finished, press <Enter> on a
           blank project code field and you will return to the main
           menu, otherwise enter a new project code and repeat the above
           steps until you are finished.  If you indicate that the data
           was not correct, you will be given an opportunity to correct
           it.

                                     INVOICING

           The backbone of any time billing program is the invoicing
           subsystem. After all, that is how we get paid.  When you are
           ready to prepare an invoice for a project, select the Print
           invoice (I) option from the main menu and you will be
           presented with the Invoice menu.

                                   INVOICE MENU
                Ŀ
                    A.  Automatic invoice by project            
                                                                
                    C.  Customized invoice by project           
                                                                
                    P.  Print all pending invoices              
                                                                
                    S.  Statements of account by client         
                                                                
                    Q.  Quit to main menu                       
                

                            Choose a letter ==>

           Select option A to create a single invoice for a project that
           has unbilled time or expenses.  After you press A, you will
           be asked if you want a (N)ew invoice or a (R)eprint.  Select
           (N)ew to create an invoice, or (R)eprint if you wish to
           reprint an invoice that has already been printed.  After
           selecting N or R, you will be asked for a project code.
           Either enter the project code, or a ? to select from a list.
           Upon entering a valid project code, an invoice will be
           generated for all unbilled time and expenses for that
           project; it is that simple.  You will continue to be prompted
           for project codes until you enter a blank project code to
           quit generating invoices.

           If you need to reprint an invoice, just select reprint
           instead of new, and you will first be prompted for the
           project code, and then the invoice number.  You can enter the
           invoice number with no spaces between the prefix and the
           number, the program will automatically format it correctly.
           After verifying that everything is correct, a copy of the
           original invoice will be printed. You can print a reprint of
           any invoice at any time.

           If you cannot remember the name of the project you wish to
           invoice, just enter a "?" and you will be given the
           opportunity to choose from a list of all your projects.

           Most of the text portions of the invoice can be modified to
           fit your business practices.  Select the S option (SETUP) to
           explore this further.  Also your sales tax percentage is
           found under this option.  The single and double character
           fields define the characters used for total lines and
           separation lines on the invoice.  The defaults are "-" and
           "=", but these can be changed to any valid character that is
           supported by your printer.  For instance, you can use the
           single and double line drawing graphics characters by
           pressing the <Alt> key and entering their ascii codes on the
           numeric keypad.  The line lengths refer to the lengths of
           these lines on the invoice.  Setup also allows the selection
           of either the printer or a file as the output device for your
           invoices.  If a file is selected, the name of the file will
           be the invoice number with a .TXT extension (i.e.
           CDS--200.TXT), and it will be stored in your default TIM
           directory.  Page length is another option which can be
           changed here.

           In addition to the above method for changing invoice defaults
           on all invoices, by selecting option C for Customized Invoice
           by Project, you have the option of changing any of the above
           mentioned text for the current invoice only.  You can also
           add a customized text message at the bottom of the invoice,
           and you can select an ending date for time and expense
           records to be included.  This allows you to enter your time
           as you wish and choose an ending date for billing purposes
           without affecting time and expense records after that date.

           The third option, P for Print all Pending Invoices, is a very
           handy way of generating invoices for all clients and projects
           that have unbilled time and/or expenses.  When you select
           this option, you will first be prompted to select (A)ll
           clients or a single client.  If you choose a single client,
           you will be asked for the client code for that client and
           invoices will be generated for that client only.  If you
           cannot remember the code, enter a ? and you can pick from a
           list.  When you select all clients, every unbilled time and
           expense record will be located, and invoices for every
           project represented will be generated.

           Upon selecting option S for Statements of Account by Client,
           you will be first asked for a client code, and once it has
           been validated, you will be asked for an interest rate
           (default is in Setup), and a grace period which is also
           defaulted in Setup.  If you choose not to charge interest on
           the unpaid balance beyond the grace period, just enter 0 for
           the interest rate.  Next a statement will be printed for the
           client you chose, and it will include all invoices which have
           not been paid in full, and all partial payments on those
           invoices.  No information about invoices that have already
           been paid will appear on the statement.  The statement will
           also include the number of days overdue on each unpaid
           invoice.

           When you are finished with invoices and statements, press Q
           to return to the main menu.



                                      REPORTS

           There are a number of reports that can be generated by TIME
           IS MONEY.  Most will give you the option of printing either
           to the screen or the printer.  Under the C option you are
           given the option of printing your client list, printing
           mailing labels, or editing your client list.

           The G option (Average income over period) gives you the
           ability to project your income based on your current
           earnings.  You simply select a start date and end date, and
           the program projects what your earnings would be for an
           entire year based on your average earnings for the chosen
           period.

           Print project report (option P) allows you to print a
           complete report of all time spent on a project from its
           inception.  Just supply the project code, and the report will
           begin.

           To maintain control of your time and expenses that have not
           been billed (option T), you can generate an unbilled time
           report, an unbilled expense report, or a pro-forma invoice
           which will allow you to display your unbilled time and/or
           expenses for all projects, or a single chosen project.  This
           is handy for projecting your income that has not been billed,
           and for checking that all hours have been entered.  When you
           select option T, you will be given the choice of a time
           report, an expense report or a pro-forma invoice.  The time
           report will display all unbilled time for one or all
           projects.  All unbilled expenses will be displayed by the
           unbilled expense report, and the pro-forma invoice will print
           all the time and expenses due for any project of your choice
           with totals.  The pro-forma invoice is useful for insuring
           that all time and expense items have been included without
           printing the actual invoice.

           The Unpaid Bill Report (option U) will give you a list in
           order of invoice number of all your unpaid invoices, with the
           telephone number of the client and your contact so you can
           dun them if necessary.

           The Sales tax report (option Z) will display or print all
           your expense items over any period of time you choose, with
           subtotals for non-taxable and taxable items, and a total of
           sales tax collected.  The sales tax rate can be changed in
           the S option, SET up invoice messages.

           You can create a mileage log with the Mileage journal, option
           J.  All time records with an activity field marked as TRAVEL
           will be included in this report which can be printed for any
           year of your choice. This tells you the total miles traveled
           in servicing your clients.

           Finally, the Year to date income report gives you a list of
           all invoices that have been billed for the current calendar
           year, and totals the amounts of paid and unpaid invoices.  If
           you want to print the report for a year other than the
           current year, just exit to DOS, type DATE at the prompt and
           change your system date to one that falls in the year you
           wish to examine.

                             LOGGING INVOICE PAYMENTS

           To log the payments of your invoices, select option O, LOG
           payments.  You will be asked if you want to enter payments by
           scan or by invoice number.  If you choose the scan option,
           you will be presented with each unpaid invoice, one at a time
           and asked if you wish to mark it paid.  After you respond
           with either a Y or N, you will be asked for the amount paid
           which defaults to the invoice amount, and the date it was
           paid which will default to the current date.  You can change
           the payment amount if the payment made was more or less than
           the actual amount of the invoice.  If the payment is less
           than the invoice amount, the invoice will remain on the
           unpaid list, with the payment being recorded as a partial
           payment on that invoice.  A payment of an amount equal to the
           invoice amount will remove it from the unpaid list, and an
           amount greater than the invoice amount will pay the invoice,
           remove it from the unpaid list, and apply a credit to the
           customer's account.  After entering this information, the
           program will go on to the next unpaid invoice.  This will
           continue until all invoices have been displayed, or until you
           select quit.  Any time a customer has a credit balance, and
           an unpaid invoice is encountered for that customer during a
           scan of unpaid invoices, you will be asked whether or not the
           credit should be applied to the unpaid invoice.

           The invoice number option can be used if you know the number
           of the invoice that was paid.  Just enter the invoice number
           at the prompt, and answer yes to the "Mark this invoice
           paid?" prompt.  Answer no if the customer has a credit that
           you wish to apply, and you will be asked whether you want to
           apply the credit towards payment of the invoice as in the
           scan method.

           If an invoice becomes uncollectible, use the invoice
           maintenance function (described later) to change the status
           field to BD for bad debt.


                                 FILE MAINTENANCE

           Almost every file stored in Time is Money can be edited or
           added to using the following commands:

           Company Maintenance
           Client Maintenance
           Project Maintenance
           Invoice Maintenance
           Time Record Maintenance
           Expense Record Maintenance


           Each of these options follows the same convention that was
           discussed previously for editing the company information
           file.  You are given the opportunity to Add to the file,
           Change the file, Delete the current record, Find a record,
           move to and display the Next or Previous record, and List the
           records in the file a page at a time with the option to
           select a particular record for editing.

           USE GREAT CAUTION when using the Add mode in the time record
           file, the invoice file, and the expense record file.  Very
           little data verification is performed in this mode, so as a
           rule, do all your adding from the appropriate subsystem that
           is specifically for these files rather than through edit.

           In Change mode, you will be given the opportunity to change
           any field in the current record.  When you are finished, you
           can press the <PgDn> key to go directly to the bottom of the
           screen, or press the <Enter> key until you reach the last
           field on the screen.

           When using Find, you will be prompted for the key field (or
           fields) of the database you are editing.  If there are
           multiple fields, you must enter a complete field to go on to
           the next field, but if you leave the latter fields blank, you
           will find the first record that matches the supplied
           information.  If there is a single key field, you can enter
           partial information, and the first record matching the
           partial information will be found.

           Delete will permanently remove a record from the database, so
           use it with caution.  First find the record you wish to
           delete, and then select the Delete option.  You will be asked
           to verify that you wish to delete the record, and then the
           record will be marked for deletion and the file packed to
           remove it.

           Next and Previous will move you to the next or previous
           record in the database, and display the record on the screen.
           If you reach the end or beginning, you will wrap around (i.e.
           Next from the last record places you on the first record, and
           Previous from the first places you on the last record.). This
           is a quick way to move to the beginning or the end of the
           file.

           The List option will display a screen full of records or
           partial records starting at the current record, and allow you
           to page up or down through the database and select a record
           for editing.  Alternately, with the Clipper version you can
           press the first letter of the appropriate code (i.e. client
           code, project code, etc.) to position the pointer close to
           the record you desire, or press Ctrl-F in the FoxPro version
           to search throught all fields of the current database to find
           a record.  This can be very handy if you know the address, or
           some other portion of the data but you have forgotten the
           client's company code or name.  When the bar highlights the
           chosen record, press the <Enter> key (in the Clipper version
           or Ctrl-W in the FoxPro version), and you will be returned to
           the edit screen with that record displayed.

           The "View or change invoice" option has one additional
           choice, the Undo function.  This will undo the currently
           displayed invoice, by returning all its time and expenses to
           the unbilled pool and deleting the invoice record
           permanently.  It will not change the current invoice number,
           so if the invoice you are "Undoing" is not the last invoice,
           you will have a gap in the invoice numbers.  If the invoice
           was the last invoice you can change the invoice number by
           selecting "Revise current invoice #" on the main menu, but do
           this with great care if the cancelled invoice is not the
           last.  Be sure to change the number back to the next number
           in sequence after your last invoice if you should opt to
           re-use a cancelled number that was not the last in sequence
           or you may create invoices with duplicate numbers.





                                     UTILITIES

           There are a few other options that do not fall into any of
           the previously mentioned categories.  First, option B (Build
           new indices) allows you to choose either All of the files, or
           one or more selected files to re-index.  Re-indexing is
           necessary only if you are experiencing problems with
           accessing records in a file, or if you suspect that the index
           (or indexes) have been damaged.  A power outage during
           program use can cause index files and/or program files to be
           damaged.  Be sure to make frequent backups of your accounting
           system to insure against loss of important data.  The only
           files that must be backed up are the files with a .DBF
           filename extension.  All other files in the system can be
           restored from the original distribution disk.  After such a
           restore procedure, option B should be used to rebuild ALL
           indices.

           Revise current invoice # should be used if you delete an
           invoice and wish to re-use the number, but be careful to set
           it back to the next number in sequence when you are finished.
           To delete an invoice, see the Undo option under file
           maintenance.

           Setups has been previously mentioned.  Here you can edit the
           text messages that appear on your invoice.  Also found here
           are the sales tax rate, the selection for color or monochrome
           systems and an option for a custom header for your invoice.
           If you specify a custom header, you will be given
           instructions on the screen for customizing your invoice.

           And finally, What Printer? (option W) lets you select from a
           list of pre-defined printers, or to create a new custom
           printer table.  If you choose to create a custom printer
           table, select the option to create a new printer table, and
           you will be presented with the maintenance menu that is used
           for all other database maintenance.  Select Add to add a new
           printer definition.  When entering printer codes, you should
           use the format presented in the pre-defined codes.  For the
           Esc character, use "chr(27)" (without the quotes), or for any
           other non-printable character (with an ascii code below 32),
           use "char(nn)" where nn is the ascii code of the character.
           With printable characters, enter the characters surrounded
           with apostrophes (a single quote character like this '), and
           link the codes with a plus sign.  For example, the code for
           an HP Laserjet II to set the printer for condensed print
           (using the default data processing type built into the
           printer) would be "chr(27)+'(s16.66H'", without the ""
           quotes, but including the inner '' apostrophes.

           For purchasers of the FoxPro enhanced version only, option X
           on the main menu will allow you to exit to a command prompt
           that will give you the ability to enter any dBASE or FoxPro
           command for immediate execution.  This includes creating new
           databases, report forms, label forms, and virtually all the
           commands supported by FoxPro and dBASE III+.  You cannot run
           programs that have not been compiled with FoxPro at the
           command line.  If you have repetitive tasks that you have
           written programs for, you should either buy FoxPro
           development system, or contact us for assistance.

                                   HELPFUL HINTS

                                   MISCELLANEOUS

           To bill for a fixed price contract, you should use the
           expenses subsystem and create expense items for the amount of
           the draw that is currently due.  Then create an invoice, and
           before the next draw enter the amount for that payment.

           Remember to enter your time unit in singular case.  The
           invoice subsystem will properly make the time unit plural
           when appropriate.

           If you have a color graphics card with a black and white
           monitor or if you are using a portable computer with an LCD
           graphics screen, choose the "monochrome" option for best
           results.

           When entering new clients, leave the ship to field blank if
           the shipping address is the same as the billing address.  If
           for some reason you want to have the address printed twice
           under ship to and bill to, you can put in the same client
           code for the client and the ship to code.

                                     RETAINERS

           Retainers and time banking are commonly used to equalize a
           client's expenses over a period of time.  They are also used
           sometimes at the end of a fiscal year to use up the current
           year's budget for your services.  The retainer concept can be
           handled very easily with TIM.  When you receive payment of a
           retainer that is to be billed against, just enter that amount
           (or add it to any existing amount) in the client record
           credit field.  Then bill normally for projects with that
           client, but before sending the bill, scan the invoices that
           are due to be paid.  When you get to the invoice that is to
           be paid by the retainer, answer (N)o to the question about
           ehether to mark this bill paid.  You will be asked at that
           time whether or not you want to apply the credit to the bill.
           Answer (Y)es, and then Quit your invoice scan.

           If you wish to include the current credit balance at the
           bottom of your invoice, select that option in Setup, and it
           will automatically be printed.  If there is no credit
           balance, or the client has a debit balance (they owe you
           money from previous invoices) nothing will be printed at the
           bottom of the invoice.  If you wish to remind the client of
           their previous unpaid balances, you can send them a statment
           of account using that subsystem from the invoice menu.




                                     GLOSSARY

           Invoice prefix    - A three character upper case code used to
                               identify your company on invoices.

           Pro-forma invoice - According to form.  Used to describe an
                               invoice which is printed as a test, but
                               that does not update the accounting
                               records.

           Shareware         - User supported software.  Distributed by
                               giving away copies of the software with
                               registration instructions.  Shareware is
                               not public domain software, it is commer
                               cial software with an alternate means of
                               distribution (i.e. try before you buy).
