
                              My Little Realm Enterprises

                                   -  Savings 3.0  -

                                   Shareware Version
          ____________________________________________________________________
          
                                       Important
          ____________________________________________________________________

          Savings is protected by copyright.  It is not freeware, and it is
          not in the public domain.

          This is the Shareware (evaluation) version of My Little Realm's 
          Savings.  It is a full-featured, fully functional program.  You are
          welcome to try it on your computer to ensure that it functions on 
          your system as it should, and that it meets your individual needs.

          If after 30 days you decide to keep using Savings, you must pay for
          the program.  To print an order form, press <$> in the Options 
          Window or print the text file REGISTER.TXT.

          My Little Realm Enterprises stands behind all of its products with
          a 30-day money back guarantee.

          Bonus!  Get one MLR stand-alone program free with every order.  
          Read DESCRIBE.TXT for details.  This offer expires 12/31/94.

          Thank you for trying Savings and Shareware!
          ____________________________________________________________________
                                                                          


                        



                              My Little Realm Enterprises


                                   -  Savings 3.0 -


                                        Contents

               General Information......................................1
                    Introduction........................................1
               Overview.................................................1
                    Interface...........................................1
                    Quickeys............................................1
                    Extended Processing Options.........................2
               Getting Started..........................................2
               Program Information......................................2
               The Options Window.......................................2
               Option # 1, Adding Records...............................2
                    Field Definitions...................................3
                    Instrument Types....................................3
               Option # 2, Updating and Changing the Data...............5
                    The Change Field Screen.............................5
                    Changing Amounts....................................5
                    The CPU and NOU Fields..............................5
               Option # 3, Viewing Records..............................6
               Option # 4, Deleting Records.............................6
               Option # 5, Printing Savings Portfolio...................7
               Extended Processing Options..............................7
                    <\> Change Quickeys K through O.....................7
                    <+> View All Records in the File....................7
                    <#>  Switch Between Color and B/W Modes.............8
                    <?> Display the EPO Command Set.....................8
                                                                            
          Savings                                                      Page 1
          ____________________________________________________________________
          
                                  General Information
          ____________________________________________________________________

                                      Introduction

          Savings is a financial recorder that helps you to keep track of 
          all your savings instruments; their values, account numbers, where 
          the legal documents are kept, and any other pertinent information.  
          It also prints the net worth of your total savings portfolio.

          The Savings program is ideal for the long term investments that you
          plan to hold for your retirement, for example, or for your 
          children's education.  (You might find this hard to believe now, 
          if you're just starting out, but it isn't all that difficult to 
          forget what you have in the way of savings instruments and where 
          you've stored all of the appropriate records after a span of 15 or 
          20 years.)

          If you're planning to apply for a home loan or if you're attempting 
          to refinance the mortgage on your present home, make sure your 
          Savings' portfolio is current and invoke option 5 to print out a 
          listing of your portfolio.  For details on printing your Savings 
          portfolio refer to page 7.

          The mortgage company's representative will want to know what you 
          have in the way of assets (how much you have in CD's, mutual funds,
          etc., and with which banks you are presently doing business).

                                     ----------

               Please note that Savings is a financial recorder.  It 
               is not a financial planner or an investment tool.
               Savings cannot help you make buy and sell decisions 
               for stocks and bonds.
          ____________________________________________________________________

                                      Overview

          Interface.
          Savings's screen consists of three windows:  a Working Window, a 
          Viewing Window, and an Options Window.  If you are using a color 
          monitor the Viewing Window is always green, the Working Window red 
          and the Options Window blue.

          You select processes (like adding, updating, or deleting records)
          in the Options Window.  In general, you create records in the 
          Working Window, and you view your Instrument types in the Viewing 
          Window.
                             ----------------------------

          Quickeys.
          The Quickey list in Savings consists of the Instrument types you
          use, such as stocks, bonds, passbook savings plans, etc.      
          Savings                                                      Page 2

          Extended Processing Options.
          Several processing tasks, called extended processing options or 
          EPO's, are not listed in the Options Windows, because they are 
          functions that only occasionally need to be performed.  EPO's are
          used to "extend" a program's power and functionality.  One EPO you
          should be aware of initially is the Change Quickeys function which
          allows you to add special savings instruments to your Quickey list.
          You invoke it by pressing the backslash in the Options Window.

          To find out what EPO commands are employed by Savings, enter <?> 
          (the question mark) in the Options Window.  See "Extended Processing
          Options", page 7, for a full description of the EPO's.
          ____________________________________________________________________

                                    Getting Started

          You shouldn't have to change the Instrument types unless you are a
          sophisticated investor.  As a matter of fact, you can't change the
          default Quickey names in Savings.  You can only append your
          specific Instrument types to the Quickey list.

          So, to start, simply press <1> in the Options Window and create the
          records of the savings instruments you have.  You should read "Field
          Definitions" starting on page 3 for information on the fields in a
          Savings record and how best to utilize them.

          ____________________________________________________________________

                                  Program Information
          ____________________________________________________________________

          The Options Window.
                 
                   __________________________________________________
                  |                                                  |
                  |    1  Add          3  View                       |
                  |    2  Update/      4  Delete       Choice:  _    |
                  |        Change      5  Print                      |
                  |__________________________________________________|


          There are several extended processing options available, as well.
          See the section Extended Processing Options described on page 7.
          ____________________________________________________________________

          Option # 1, Adding Records.

          To add new savings instruments to your savings file, select 1, and 
          Savings puts your cursor in the Working Window on the Instrument
          line.  Choose one of the Quickeys and press <enter>.

          If you decide to enter an instrument category manually, be sure to 
          keep it short and memorable, because you'll have to spell it the 
          same way when you want Savings to find it for you later on.    
          Savings                                                      Page 3

               Note:  If, by chance, you lose one of your instrument 
               records, use the <+> EPO to find it.  See Extended 
               Processing Options on page 7.

          Pressing <esc> anywhere in the Working Window returns you to the 
          Options Window without creating a record.  To end an input session,
          press <esc> when the cursor is in the Instrument field.
                                   ____________________

                                  ~ Field Definitions ~

          - Instrument field (20, required).
                                                       Instrument Types
                                                  __________________________
          Here Savings asks for the type         |         Quickeys         |
          of instrument you are entering.        |                          |
          This is a required entry, and          |     - Instruments -      |
          it is also where you make use of       |                          |
          the Quickeys.  Please refer to         |   A  Passbook Savings    |
          the Viewing Window on the right        |   B  Cert. of Deposit    |
          side of the Savings screen.  It        |   C  IRA                 |
          It should look similar to the          |   D  Keough              |
          one here --->                          |   E  Savings Bond        |
                                                 |   F  General Bond        |
          You can, if you need to, enter         |   G  Stock               |
          your own instrument type manually,     |   H  Mutual Fund         |
          but you should keep the entry          |   I  Profit Sharing      |
          short and simple.  Otherwise, you      |   J  Treasury Bill       |
          could have trouble finding your        |   K                      |
          entry when it comes time to make       |   L                      |
          updates.  Remember, on subsequent      |   M                      |
          lookups, any instrument you            |   N                      |
          entered manually must be entered       |   O                      |
          manually again and it must be          |__________________________|
          spelled exactly as you 
          originally entered it.  You do not have to worry about upper and 
          lower case inconsistencies, however.

          As is always the recommendation in any My Little Realm program, 
          use the Quickeys whenever possible to save wear and tear on the 
          psyche.  The Change Quickeys EPO allows you to supplement the 
          instrument list that comes with Savings.
                                    ____________________

          - B/C Name field (36, optional).

          This is the Bank or Corporation name found on the instrument.  

          In the case of stocks, for example, it is the name of the company 
          that appears on the stock (i.e., the company whose stock you have 
          purchased).  For passbook savings, it is the name of the bank that 
          issued the passbook.  For mutual funds, the mutual trust name.  
          Profit sharing investments should be given the name of the company 
          that handles the investments for you.                      
          Savings                                                      Page 4

          - Holder field (36, optional).

          Enter the name of the owner of the instrument being recorded.  For 
          a Passbook Savings account, for example, it would be the name of 
          the person on the passbook.
                                   ____________________

          - Amount field ($0.00 < Amount > $5,000,000, required).

          The information contained in the parentheses above states that
          amounts must be greater than zero and less than five million 
          dollars.  Omit dollar signs and commas when entering this 
          information.  

          If you are entering a stock, bond or mutual fund record and you 
          want Savings to calculate the amount for you, press <enter> when 
          the cursor is in the first position in the Amount field.  Savings 
          then asks for the CPU (cost per unit) and the NOU (number of units).
          The CPU and NOU fields are at the bottom of the Working Window.

          The CPU entry cannot be greater than ten thousand dollars, and the 
          NOU entry must be less than or equal to one million.  If the result 
          of multiplying the cost per unit by the number of units is greater 
          than the Amount field limit ($5,000.000.00), you must reenter the 
          CPU and NOU amounts.
                                   ____________________

          - Date field (required).

          Use the standard American date format of mm/dd/yy.  

          You typically enter the "recording" date in this field (i.e., the 
          date you enter the record in Savings), even if the record is for 
          a Savings Bond you acquired several years ago.  After a record's 
          initial entry, the date field serves to remind you when you last 
          updated the record.

          For example, if you receive updates from a financial company about 
          your mutual funds every quarter, remember to change the date when 
          you update your mutual funds record.  In this case you could use
          either the date on the update notice or the current date.

          Savings accepts dates for the current month and the four previous 
          months.  
                                   ____________________

          - Account Number field (34, optional).

          This field should be used to identify the specific instrument being 
          recorded.  For example, you might have numerous certificates of 
          deposit.  Each has a unique account number.  Use the account
          numbers to identify each instrument entry.  You can also include 
          the interest rate and other pertinent information on this line.  
          Savings                                                      Page 5

          - Memo field (38, optional).

          Any additional information relevant to the instrument being 
          recorded should be entered in this field.  If you are entering 
          stocks, for instance, you might want to enter the phone number or 
          the name of your broker.  You should also make a note of the 
          location of the instrument.  For instance, you might keep your 
          CD's in your safe deposit box; your savings bonds in a file folder; 
          or your passbook savings book in your chest of drawers.
          ____________________________________________________________________

          Option # 2, Updating and Changing the Data.

          Select one of the Quickeys or enter your own category (as long as 
          you spell it exactly as you entered it when you first created the 
          record).

                                                The Change Field Screen
          Savings finds the category of       ___________________________
          instruments you want and asks if   |                           |
          the first record in the category   |       Change Fields       |
          is the one you wish to change.     |                           |
          If it isn't, press <N> or use      |    1  B/C Name            |
          the directional keys to find the   |    2  Holder              |
          record you want to modify.  When   |    3  Amount              |
          you find the record you want to    |    4  Date                |
          change, press <Y> or <enter>.      |    5  Account Number      |
                                             |    6  Memo                |
          Savings displays a list of the     |    7  Cost per Unit       |
          fields you can change in the       |    8  Number of Units     |
          Viewing Window (as shown on the    |                           |
          right).  Enter the field's         |      Selection?  __       |
          corresponding hotkey, and Savings  |                           |
          places your cursor under the old   |___________________________|
          information and await your changes.
          If you decide you want to keep the field's old data, press <esc> 
          while you are still in that field, and Savings reinstates that 
          field's old value, even after you've typed something new into the 
          field (as long as it's before you've pressed <enter>).

          Changing Amounts.
          A number of the instrument categories can have their amounts 
          changed in different ways.  Instruments like stocks, bonds and 
          mutual funds can either have their amounts entered directly, or you 
          can have Savings calculate the amount for you.  If the amount can 
          be calculated for you, the hotkeys for the CPU (cost per unit) and 
          NOU (number of units) selections are highlighted.

          The CPU and NOU Fields.
          If you used the CPU and NOU fields to have Savings calculate the
          amount when you created the record, you will find that those figures
          have been retained.  That way you can easily update your record by 
          changing only the field whose value has changed.              
          Savings                                                      Page 6

          For example, if you have a stock whose value has gone up (or down),
          but you still have the same number of stocks, all you have to do to
          update the record is give Savings the new stock price (CPU).  On 
          the other hand, if you've sold some of the stock (or bought some 
          more) but its price has remained the same, you need only reenter 
          the new number of stocks.  You can also reenter both numbers 
          separately to have Savings recalculate your amount.

          If you enter an amount directly, using selection 3, and the 
          record has old Cost per Unit and Number of Units values, the old
          CPU and NOU values are erased.  That's because Savings has no way 
          of knowing which old value has changed and which is staying the 
          same (if indeed either is staying the same).

          Remember:  Several types of instruments cannot use the Cost per 
          Unit field or the Number of Units field (e.g., Passbook Savings).
          For those instruments, you can only enter an amount directly by 
          using selection 3 in the Change Fields sub-menu.  Hence, selections 
          7 and 8 are not highlighted, meaning they are unavailable for those
          instruments.

          Note:  When updating the Amount field in a record, it's a good idea
          to update the Date field at the same time.
          ____________________________________________________________________

          Option # 3, Viewing Records.

          Enter the instrument category you want to peruse.  Savings displays 
          the first record in the chosen category.  If there is only one 
          instrument in that category, Savings tells you so.  If there are 
          more than one, Savings tells you to use the directional keys to 
          view your records.

          If you would like to view all of the records in your savings file
          without regard to instrument category, use the <+> EPO, described 
          in the Extended Processing Options section.
          ____________________________________________________________________

          Option # 4, Deleting Records.

          You find and select the record the same way you do with the 
          Update/Change function.

          Once you've selected a record, Savings asks for verification before
          deleting the record.  Be certain that it is the record you want to 
          delete because there is no undelete feature.

          Note:  You cannot press <enter> for <Y> to respond to the 
          verification query.  You can only respond with <Y>, <N>, or <esc>.
          The escape key is the same as <N>.                            
          Savings                                                      Page 7

          ____________________________________________________________________

          Option # 5, Printing Savings Portfolio.

          This function lists all of your instruments by category, printing 
          the sub-total of each category as well as the final total of all of 
          the investments in your file at the end of the document.

          Even if you haven't any interest in the total amount of your 
          savings portfolio, a printout of these records would still prove 
          invaluable should your computer's hard disk ever fail you.
          
          Also, should you one day decide to apply for a mortgage or attempt 
          to refinance your present home, the mortgage company with which you
          do business will need to know your current assests (how much you 
          have in CD's, mutual funds, etc., and with which banks).  All 
          you'll have to do is pull out this listing (assuming its fairly
          recent).

          The listing should be kept in a file folder marked "Savings" or 
          "Investments" in a metal file cabinet along with your other 
          important banking and investment documents.

          You can terminate the Print function at any time by pressing <esc>.
          ____________________________________________________________________

                                Extended Processing Options

               EPO  Definition

               <\>  Change Quickeys K through O.  Savings asks you which 
                    Quickey you want to change.  It then places your cursor 
                    in the Viewing Window under the Instrument name you want 
                    to change and awaits your new entry or changes.

                    If you press the wrong Quickey, press <esc> while the 
                    cursor is in the Viewing Window and the old instrument 
                    category is restored, even after you've started typing.

                    To end the Change Quickey function, press <esc> when 
                    Savings asks which Quickey you want to change.

                    Instrument names can be sixteen characters long.

                    Note:  The Savings-supplied Quickey Instrument categories
                    (A through J) are immutable.

                                    - - - - - - - - -

               <+>  View all records in the Savings file.

                    This allows you to see all of the records irrespective of
                    the type of savings instrument.  You browse through your 
                    file by using the directional keys.                
          Savings                                                      Page 8

                    This EPO is convenient should you `misplace' one of your 
                    records.  You can lose a record by manually entering an 
                    instrument type and then forgetting exactly how you 
                    entered it.  Use the Quickeys whenever possible.

                                    - - - - - - - - -

               <#>  Switch between color and B/W modes.

                                    - - - - - - - - -

               <?>  Display Savings's EPO symbols and their definitions.
          ____________________________________________________________________

                                       +  The End  +     
          ____________________________________________________________________

          (c) Copyright 1991 - 1994 John L. Salisbury                  
