Software of the Month Cl… (Business) 1997 November/Software of the Month Club - Business Shareware (Volume 243) (November 1997).iso/dos/biz/TRXPtMng/Trx.hlp

Borland Turbo Vision Resource | 1997-04-24 | 302.2 KB | 4,396 lines

-                                 General Help
B         Welcome to TRX, the program that tracks your investments!
CYou can use this program to keep track of your investments and help
"organize data for tax preparation.
3                            Overview of the Program
ITRX allows you to define a collection of assets and accounts.  The assets
Lrepresent financial securities you may own or you may just be interested in.
LThe accounts represent your real investment accounts, and hold transactions.
GUsing the features of the program, you can track prices of assets.  The
Jprogram allows you plot graphs of asset prices.  This may be of use if you
Kuse technical analysis to buy stocks.  You can also monitor the performance
Fof your investment accounts.  TRX will compute account performance and
Hsummarize it for you over any period of time you specify.  TRX will also
Mallow you to plot graphs of account values.  TRX will keep track of tax basis
Mof assets you own, and can compute capital gains when you sell an asset.  The
Mprogram can also export all of these data to files for use in other programs,
Aand can import data from other programs and from online services.
.                               Getting Started
LAlthough this program was written for DOS, its user interface is in may ways
Gsimilar to Windows.  When using this program, all of the data entry and
Noutput displays shown by the program will occur in window-like screens similar
Nto this one.  These screens have a number of features in common.  For example,
Jnear the upper left corner of a window is a "close icon", which is a small
Esquare.  If your computer has a VGA graphics card, the square will be
Ggreen.  If you position the mouse cursor on the square and click either
=button, this window will close, or disappear from the screen.
-                                Using Windows
MSome windows also have a "resize icon" located near the upper right corner of
Ithe window.  It looks like either a single-headed or double-headed arrow.
JWhen the arrow has two heads, clicking on it with the mouse will cause the
Lwindow to return to its former size.  When it has one head, clicking it will
'cause it to expand to its maximum size.
LThe size of some windows can be changed by using the mouse.  This is done by
Kpositioning the mouse in the lower right corner of the window on the frame.
KUsually this part of the frame is of a different color from the rest of the
Hwindow frame.  If you hold the mouse button down and move the mouse, the
Cwindow corner will follow, thereby changing the size of the window.
HWindows can be moved in a similar manner by positioning the mouse cursor
Mon the top frame of the window.  Now if the mouse button is depressed and the
>mouse moved, the whole window is dragged along with the mouse.
ISome windows have "scrollbars" located along the right side of the frame.
IThese are used to scroll back and forth through the text using the mouse.
KTo use the scrollbar to scroll forward through the text, position the mouse
Ion the scrollbar somewhere below the rectangular position marker.  If you
Jclick on the mouse button while the mouse cursor lies between the position
Jmarker and the downward-pointing arrow at the bottom of the scrollbar, the
Mwindow will scroll forward one page at a time.  If the mouse cursor is on the
Jarrow, the window will scroll one line at a time.  You can scroll backward
Hby placing the mouse cursor above the position marker.  All windows that
Mscroll also respond to the UP and DOWN arrow keys, which scroll one line at a
Mtime, and to the PAGE UP and PAGE DOWN keys, which scroll one page at a time.
.                                Using Commands
KCommands you can use in the program appear in various places.  The MENUBAR,
Jlocated across the top of the screen, lists a number of commands.  So does
Ithe STATUS LINE, located across the bottom of the screen.  Other commands
Mmay appear on different windows as BUTTONS, which can be "pushed" by clicking
Fthe mouse button when the mouse cursor is located on the button.  More
;details on the Menubar and the Status Line are given below.
,                                 The Menubar
JThe MENUBAR, located across the top of the screen can be accessed by using
Lthe F10 key.  When you press F10, one of the menu items becomes highlighted.
LYou can highlight other items by using the arrow keys to move either left or
Fright.  On most menu items you can use the down arrow key to highlight
Gfurther items on a pop-up menu.  Pressing the ENTER key also causes the
Mpop-up menu to appear.  You can also activate the menu items using the mouse.
?Just position the mouse cursor on an item and click the button.
LYou may activate Menubar commands by pressing the key combination consisting
Mof the Alt key and the highlighted letter in the command name on the Menubar.
IFor example, you can open up the FILE menu by typing Alt-F (hold down the
LAlt key and type F).  Sometimes certain command names will appear in a light
Lgray color.  This indicates that the command is inactive.  If you attempt to
Huse the command when it is in this state, nothing will happen.  Commands
Ibecome inactive when they should not be used.  For example, the VIEW LIST
Kcommand, found under the LIST menu item, is inactive is there is no list to
view.
.                               The Status Line
MThe STATUS LINE, displayed at the bottom of the screen, shows some additional
Lcommands active at the time.  The status line also has hints and information
Kabout the commands being used or highlighted at the time.  You may activate
Istatus line commands by pressing the indicated key or by moving the mouse
Hcursor to the command and clicking either mouse button.  The status line
Kwill change according to the context, so, for example, if you are using the
LHELP facility, the HELP status line item will disappear, replaced by an EXIT
HELP item.
.                                Other Commands
JOther commands appear as BUTTONS in windows.  These commands are activated
Leither by TABBING until the button is highlighted and pressing the SPACEBAR,
Lor the ENTER key.  Alternatively, you can press a button by moving the mouse
Mcursor to the button and clicking the mouse button.  Sometimes these commands
Fare inactive, and will appear in a light gray color.  When a button is
Ninactive, it will not respond to any mouse clicking and cannot be highlighted.
-                                 Getting Help
IYou can get help on any menu command by highlighting the menu item (using
Gthe F10 key and the arrow keys) then pressing F1 (or using the mouse to
Kactivate the HELP statusline item along the bottom of the screen).  You can
Jalso get explanations for some error messages by pressing the F1 key or by
Lclicking with the mouse on the HELP item of the status line along the bottom
of the screen.
IYou can also get additional hints by using the HINTS command found in the
Nmenu.  This command gives you additional hints about using various features of
Jthe program.  Many of the error message boxes that pop up when the program
Ldetects an error also have additional help which you can get by pressing the
0F1 key while the error message is on the screen.
/                                Window Behavior
GIn terms of their behavior, there are two kinds of windows used in this
Hprogram - MODAL windows and MODELESS windows.  A MODAL window takes over
Hcontrol of the screen when it appears.  It requires a response, and will
Hremain on the screen with everything else deactivated until you respond.
HMost of the DIALOG BOXES requesting information about assets or accounts
Nare of this type.  If you don't know how to respond, you may press the ESC key
Gto close the window.  You can also use the mouse to click on the CANCEL
Hbutton in this case.  MODELESS windows are passive.  They can sit on the
Lscreen while you use other features.  The asset price and transaction update
Lwindows are of this type, as are the calendar and the calculator and certain
of the report windows.
1                              Creating an Account
KAccounts, as used in the program, are simply collections of transactions of
Lassets.  You can set up accounts in any way that is convenient for you.  The
Iprogram will compute performance for accounts, individual assets owned by
Kaccounts, and for the total of all accounts, so you don't have to set up an
Kaccount just to get performance analysis.  You may own several mutual funds
Lin one family.  If you like, you can set this family up as a single account.
HYou may also set it up as individual accounts if you prefer.  If you own
Mboth a mutual fund and a money market fund in the same family, you may prefer
Kto set up a single account for this.  In general, the easiest way to set up
Iaccounts is to set up one account for each individual account you receive
Ga statement for.  In this way, when you enter the transactions for each
6account, you will have to refer to only one statement.
KYou begin using the program by creating an account.  Use the CREATE menubar
Jitem to do this.  When you activate this (either by pressing F10 and using
Ithe arrow keys to move the highlighted cursor to CREATE and then pressing
NENTER or the DOWN ARROW, or by using the mouse), another menu box will pop up.
JEither use the arrows to highlight ACCOUNT and press ENTER or position the
Mmouse cursor on ACCOUNT and click the mouse button.  A DIALOG BOX will appear
Hasking for information on the account.  Enter the information requested.
4You may press F1 for detailed help on what to enter.
JOnce you have created an account, you will notice that the name of the new
Jaccount is highlighted in the current selections box.  You should also see
Mthat the asset listed in the box is Cash, because when you create an account,
Ka cash asset is automatically created.  You cannot edit the cash asset.  It
His used by all accounts.  You can view the cash asset by selecting ASSET
IPRICES.  Do this by highlighting the SELECT menu item then choosing ASSET
GPRICES.  A window will appear showing a single value for cash of 1.000.
2                            Entering a Transaction
LDisplay the TRANSACTION UPDATE window by activating the UPDATE menu item and
Nchoosing TRANSACTIONS.  A large window containing a number of panels, buttons,
Eand various other controls will pop up.  This window is used to enter
Iall transaction data.  To enter a transaction involving only cash, either
Gtype cash in the panel under NAME or use to mouse to depress the button
Hlabeled SELECT.  (This panel will not appear if you are using a checking
Haccount, however).  Now use the tab key to move to the next entry panel.
IYou can also move to the panel by clicking in it with the mouse.  You may
Jtype a date in the DATE panel using the format mm/dd/yy.  If you like, you
Lmay activate the CALENDAR under the OTHER menu item.  Then, using the mouse,
Lclick on a date on the calendar.  You should see the date you clicked appear
Lon the transaction update window date panel.  Using the TAB key, move to the
IVALUE panel.  Enter a number.  Since this is a cash transaction, no value
Kfor the units is required.  It will automatically be set equal to the value
Kentry.  (If you are using a checking account, this panel contains the check
Inumber).   Now using the mouse, click on the DEPOSIT CHECKBOX.  An X will
Iappear between the brackets indicating that the transaction is a deposit.
MNow, save the transaction by using the mouse to depress the SAVE button.  For
Fa checking account you can also mark the transaction CLEARED using the
checkbox in the lower right.
INow if you activate the SELECT menu item and choose TRANSACTION, you will
%see the transaction you just entered.
/                              Creating an Asset
GYou create an asset by using the CREATE menu item, then choosing ASSET.
EA dialog box will appear requesting information on the asset you wish
Hto create.  You must create any asset you wish to enter on a transaction
Kbefore saving the transaction.  You can get help on the details of entering
Gthe information in the create asset dialog box by pressing F1 for help.
1                            Updating Asset Values
GOnce you have an asset, you can update its values using the ASSET PRICE
JUPDATE window.  Display this window by activating the UPDATE menu item and
Kchoosing ASSET PRICE.  A small window will appear having two entry panels -
Jone for the date and one for the price.  You may use the calendar to enter
Gdates for this window just as for the transactions window.  Enter a few
Gdates and values into this window, using the NEW button to create a new
0entry and saving each one using the SAVE button.
JYou can also skip pressing the SAVE button, and just use the NEW button if
Kyou intend to continue entering prices.  The NEW button automatically saves
,your price data before creating a new entry.
JOnce you have created several price entries, you may view the prices using
Lthe SELECT menu item and choosing ASSET PRICE.  You will then see all of the
Nprices you have entered.  You may plot a graph of the prices by activating the
IPLOT menu item and choosing ASSET PRICES.  After viewing the graph, press
!any key to return to the program.
JYou can also update asset prices automatically by reading data from a file
Gdownloaded from a price quotation service.  Get more details on this by
Nusing F10 to highlight the FILE menu item and using the arrow key to highlight
-IMPORT ASSET VALUES.  Then press F1 for help.
@               How to Enter Account Data for an Existing Account
JIf you have an existing investment account that you wish to enter into TRX
Jwhen you begin to use the program, you have two choices on how to proceed.
DYou may go back through all your account statements and record every
Itransaction that ever occurred in the account up to the present.  This is
Lfeasible if the account is not too old, and it has the advantage of allowing
Iyou to analyze account performance for the entire period during which the
Laccount has existed.  You must also create assets for each security you have
Iowned in the account, and you must enter prices for that period.  You can
Iusually get the monthly closing prices from your account statements.  The
Kdisadvantage of this approach is that it may be time consuming, and doesn't
0really help you much in planning for the future.
IA simpler way to start is to enter all transactions for the current year.
GCreate assets for each asset you owned as of the beginning of the year,
Kand enter prices for each starting with the last day of the preceding year.
KThen, enter purchase data for all securities that you owned as of the first
Eof the year.  Enter these purchases exactly as they occurred with the
Kcorrect purchase dates and cost.  Then, set the reporting dates so that the
Jending date is the last day of the preceding year and mark the checkbox so
Eas to use the default report dates (you will find this item under the
HDEFAULT menu item in REPORT DATES).  The beginning date of the reporting
Kperiod should be at date prior to the last day of the preceding year.  Then
Mview the account summary (under the VIEW menu item activate ACCOUNT SUMMARY).
HIf the final report date shown on the summary is not the last day of the
Lpreceding year, it is probably because you set the account's VALID DATE to a
Llater date.  If so, activate the EDIT menu item and choose ACCOUNT to change
Jthe account VALID DATE to the beginning date, then run the account summary
Iagain.  The ending value of the account should show a cash deficit.  This
Kis because when you purchase a security, the cash for the purchase is taken
Jfrom the cash in the account, even if there isn't any cash there.  Compare
Ithe cash balance with your year end statement, and enter a deposit on the
Elast day of the preceding year for the amount required to make up the
Idifference.  If you generate another account summary, the balances should
1all be in agreement with your year end statement.
4                         Handling Money Market Funds
EMany people hold money market funds in their brokerage or mutual fund
Kaccounts.  In TRX there are two ways to handle money market funds.  You can
Icreate a money market asset.  Just enter a single price of $1.00 per unit
Jfor some date earlier than any dates you plan to use.  You will never have
@to change this price (except in the unlikely event that the firm
Kdefaults on its money market obligations).  Now, when using the account you
Imust record every purchase and sale of money market funds in the account.
KA second option is to dispense altogether with the money market fund asset,
Jand just lump money market funds and cash and use the cash asset for both.
LThis is easier since you no longer have to keep track of purchases and sales
Bof money market funds.  If you do this, you should ignore all such
Jtransactions in your investment account statement.  You should also record
,money market dividends as dividends on cash.
=                  How the Program Handles Purchases and Sales
GWhen you record a purchase or a sale, the program assumes that the cash
Irequired or cash generated by the transaction is added to the cash in the
Kaccount.  If you pay for a security purchased in the account with funds not
Iin the account, you MUST enter a deposit to the account for the amount of
Lfunds remitted.  Similarly, if the cash from a sale is sent directly to you,
Hyou must enter a withdrawal transaction for the amount of cash received.
IThis also applies to dividends and other distributions you might receive.
LIn short, deposits and withdrawals are the only ways to get assets in or out
Mof an account (with the exception of a BALANCE ADJUSTMENT, which applies only
Lto cash, and should not have to be used unless you really have no idea where
the money came from or went).
2                           Options and Short Sales
NYou can also handle option transaction and short sales with this program.  For
Kmore help in this area, see the HINTS menu items on Options and on Tracking
Short Positions.
(                                    File
KThe File commands allow you to import security prices into the program from
La data file.  They also allow you to write security values out to a file and
Lto write transactions from an account out to a file.  You will also find the
)Exit command under the File menu heading.
-                                Import Values
MThis command allows you to import security prices into the currently selected
Lor other assets.  The import data must be in a file, one price per line, and
>can be in one of five formats, as the following example shows:
   1. "HAN", 18.25, "12/31/93"
   2. "HAN", "12/31/93", 18.25
   3. "HAN", 18.25
   4. "12/31/93", 18.25
   5. 18.25, "12/31/93"
IIn any of these examples, the quotation marks may be omitted, or they may
Jbe included around the price as well.  The commas may be replaced by blank
Kspaces.  In example 1, HAN is the stock SYMBOL.  You can provide the symbol
Gwhen you define an asset, or you can add it later by editing the asset.
GThe number 18.25 is the price, and "12/31/93" is the date of the price.
HIn example 3, the date is taken as the DEFAULT DATE, if you have checked
Hthe USE DEFAULT DATE checkbox.  Otherwise, the current date is used.  In
Hexamples 4 and 5, the currently selected asset is assumed, and the order
&the of date and price does not matter.
CYou can create files from which price data can be imported by using
:online information services such as Prodigy's Quote Track.
-                                Export Values
HThis command allows you to export security prices to an ASCII file.  The
Efile will be formatted in two columns, the first of which consists of
Gdates in the format mm/dd/yy, and the second of which consists of asset
Iprices corresponding to the dates in decimal form.  The data exported are
"from the currently selected asset.
KYou may specify the export format as either ASCII or LOTUS 123 format using
Dthe DEFAULT EXPORT FORMAT command found under the DEFAULT menu item.
0                             Export Transactions
JThis command allows you to export transactions from the currently selected
Gaccount to an ASCII file.  The transactions will be written to the file
Kexactly as they are displayed when you use the Select Transactions command,
Lexcept that for a sale transaction the tax basis information is also written
following the sale information.
KYou may specify the export format as either ASCII or LOTUS 123 format using
Dthe DEFAULT EXPORT FORMAT command found under the DEFAULT menu item.
)                                     Exit
HThis command is used to exit the program.  The shortcut command is Alt-X
K(While holding down the Alt key, type X).  Any changes to your accounts and
>assets will be automatically saved when you leave the program.
*                                    Create
;These commands allow you to create new accounts and assets.
/                             Create New Account
LUse this command to create a new account.  You must create an account before
Hyou can enter any transactions.  You may, however, use assets without an
2account if you only wish to track security prices.
/                               Create New Asset
KUse this command to create a new asset.  You need to create an asset before
(any transactions can refer to the asset.
KFor example, if you wish to record the purchase of 100 shares of XXX Corp.,
Jyou must first create an asset for XXX Corp.  You should also enter prices
Kfor XXX Corp. starting at the time you first acquire the shares, or, at the
Flatest, on the Valid Date of the account in which you hold the shares.
)                                     Edit
LUse this command to edit information on Assets and Accounts.  You may change
Kthe names of assets or accounts, asset income and earnings estimates, asset
Jsymbol and type, account valid date, account type, and account tax status.
-                                 Edit Account
CUse this command to alter information the program has regarding the
Gcurrently selected account.  You may change the account name, the valid
:date of the account, and account type, and its tax status.
,                                  Edit Asset
CUse this command to alter information the program has regarding the
Gcurrently selected asset.  You may change the asset income and earnings
Lestimates, the asset type, and asset symbol used for importing price quotes.
.                                Delete Account
HUse this command to delete an existing account.  Use caution, since this
Icommand will permanently erase all information regarding the account.  No
Fasset data will be erased by this operation however - only the account
 transaction data will be erased.
-                                 Delete Asset
FUse this command to delete an existing asset.  Use caution, since this
Foperation will permanently erase all information related to the asset.
NThe program will not allow you to delete assets for which any of your accounts
Khas transactions.  If you attempt to delete such an asset, the program will
Gissue a warning and return to the main menu screen without deleting the
Easset.  You may delete the asset by first deleting any accounts which
Ihave transactions involving the asset.  You may also be able to eliminate
Nan asset from an account by PURGING the account, using the PURGE command found
Kunder the EDIT menu item.  The PURGE command eliminates all transactions in
Nthe account prior to the VALID DATE of the account, as long as the elimination
Nwould not change the values or tax status of the account on or after the valid
date.
NYou cannot delete the CASH asset under any circumstances.  This is because the
Mcash asset is used by all accounts.  If you do delete the file containing the
Dcash asset, a new one will be created when you start the program up.
,                                 Delete List
HUse this command to delete a list of transactions you have created.  You
/may recreate the list using the Search command.
*                                    Select
LUse these commands to select an account or asset to work on.  There are also
Gcommands to display and select transactions from the currently selected
5account and prices from the currently selected asset.
.                                Select Account
IUse this command to select an account to work on.  Once you have made the
Gselection and leave the selection screen, the account you selected will
&become the currently selected account.
-                                 Select Asset
GUse this command to select an asset to work on.  Once you have made the
Eselection and leave the selection screen, the asset you selected will
$become the currently selected asset.
0                            View or Select Price
KUse this command to select a particular asset price if you wish to edit the
Kprice or date or to view the prices of the currently selected asset.  After
Hyou have selected the particular price, when you pop up the price update
Jwindow, the selected price data will appear in the window and allow you to
edit the data.
3                         View or Select Transaction
FUse this command to select a particular transaction from the currently
Iselected account if you wish to alter the data in the transaction or just
Kto view the transactions.  If you select a transaction, the transaction you
Iselected will appear in the transaction update window when you pop it up.
)                                    Other
IThese are miscellaneous commands you can use.  There is a pop-up calendar
Iand a calculator which you can use while doing other work.  Both of these
Ihave a feature allowing you to transfer results to either the transaction
Jupdate window or the price update window.  In the case of the calendar, by
Iclicking with the mouse on a date, that date will appear in the date slot
Iof the transaction update window or the price update window.  In the case
Hof the calculator, the value on the calculator can be transferred to the
Evalue slot of the update windows by clicking on the calculator value.
LThere are also commands to move from one window to another if you don't have
Ia mouse, to see how much memory is available, to exit temporarily to DOS,
Iand to put up a display showing the currently selected asset and account.
,                                 Show Memory
LUse this command to display the currently available memory in your computer.
NYou should check this from time to time to make sure memory is not running low
Jto avoid possible loss of data.  If memory is low, reduce the size of your
MSelected Account by purging some transactions, or delete some prices from the
Selected Asset.
MIf your computer has 640K of DOS memory, you will have something in excess of
L300K of free memory for the program to store your selected account and asset
Idata.  This is enough room for several thousand transactions.  You should
Iprobably purge checking accounts roughly once every year or two, however,
Jsince the speed of access and processing of data slows when you have large
Jnumbers of transactions.  Typical investment accounts that have a dozen or
Lso transactions a month can hold many years of data with no problem.  Assets
Jcan have many years of price data with no problem as well.  If you have an
L80286 or later computer and have installed the DOS Protected Mode version of
Jthe program, which can use all of the extended memory on the machine, then
Ithe upper limit of the number of transactions is likely to be the maximum
1allowed value of 16,380 transactions per account.
MIf memory gets low, the program will notify you when you start it up, and you
Imay not be able to use some commands.  If this happens, back up your data
Iimmediately and purge your accounts using the PURGE ACCOUNT command found
under the EDIT menu item.
+                                   Calendar
JUse this command to display a calendar.  You can use the calendar to enter
Kdates on the price and transaction update windows by clicking on a calendar
date with the mouse.
,                                  Calculator
MUse this command to display a working calculator.  You can use the calculator
Jto do arithmetic while you work.  You may also copy the value shown on the
Hcalculator screen to the price or transaction update windows by clicking
'on the calculator value with the mouse.
-                                  Exit to DOS
MUse this command to exit temporarily to DOS.  You may return to TRX by typing
exit at the DOS prompt.
-                                  Next Window
JUse this command to highlight the next window.  If you have a mouse, it is
Ieasier to do this by clicking the mouse in the window.  When you do this,
Ithe window will move to the "top" of the screen, appearing to be lying on
Gtop of everything else.  If you don't have a mouse, use the Next Window
Mcommand,  and the windows will be highlighted one by one in cyclical fashion.
-                                 Close Window
HUse this command to close an open window on the screen.  The highlighted
Hwindow will be closed.  For example, if you have just finished using the
Gcalculator, you can get rid of it by using this command.  An easier way
Jto do this is by using the mouse to click on the small square "Close Icon"
0found near the upper left corner of each window.
/                                Show Selections
KUse this command to display a window showing the currently selected account
Cand asset.  This window is displayed by default, but if you find it
Jdistracting, you may remove it by closing it using either the Close Window
Hcommand under the Other menu heading, or by clicking on the "Close Icon"
=square located near the upper left hand corner of the window.
*                                    Update
AThese commands allow you to update asset prices and transactions.
-                                Update Prices
IThis command causes a price update window to pop up.  You may enter asset
Eprice information into this window.  More help on using the window is
<available by popping up the window and pressing F1 for help.
0                             Update Transactions
LThis command causes a transaction update window to pop up.  You can use this
Lwindow to enter transactions into the currently selected account.  More help
Kon using this window is available by popping up the window and pressing the
F1 key for help.
)                                     Plot
NThese commands allow you to display graphs of asset prices and account values.
KYou set the range of dates for plotting by using the DEFAULT command in the
Hmenu.  You can also set the date interval for plotting account values by
using the DEFAULT command.
/                              Plot Asset Prices
NUse this command to display a graph of prices of the currently selected asset.
FUse the DEFAULT command to select the date range for plotting.  If you
Ido not use the default range, all of the price data you have entered will
Kbe plotted.  The scale for plotting will be determined automatically unless
Hyou set the scale using the DEFAULT Plot Min/Max command found under the
DEFAULT menu item.
0                             Plot Account Values
GUse this command to display a graph of values of the currently selected
Haccount.  Use the DEFAULT command to select the date range for plotting.
GIf you do not use the default range, the graph will show values for the
Icurrent quarter.  The scale for plotting will be determined automatically
Kunless you set the scale using the DEFAULT Plot Min/Max command found under
the DEFAULT menu item.
*                                   Default
KUse this command to set various parameters used for plotting and displaying
data.
-                                 Default Date
DUse this command to set the default date.  This date is then entered
Nautomatically in the price and transaction update windows whenever a new price
Lor transaction is entered.  This is particularly convenient when you wish to
Lenter a number of price quotes for different securities all on the same day.
1                               Default Plot Dates
NThis command allows you to set the date ranges for plotting graphs.  If you do
Lnot set the range using this command, or if you disable the default range by
Lusing this command, then the range used will be all available data for asset
=price plots, and the current quarter for account value plots.
2                              Default Report Dates
HThis command allows you to set the dates for account performance summary
Kreports.  The account data will be analyzed for performance between the two
Mdates specified using this command.   If you do not specify default dates, or
Mif you disable the specified dates by using this command, the current quarter
performance will be analyzed.
2                             Default Plot Interval
MThis command allows you to set the interval (in days) for plotting graphs and
Icomputing account values.  If you do not set the interval, 7 days will be
used.
)                                     View
KThese commands allow you to view various data and reports on account values
and performance and assets.
.                               Account Summary
IUse this command to see a summary of the currently selected account.  The
Ksummary shows performance data for the current reporting dates specified in
Kthe DEFAULT menu.  If you do not specify the dates in the DEFAULT menu, the
Fcurrent quarter is used.  The summary lists beginning value, deposits,
Nwithdrawals, investment gains, and ending account values, as well as a summary
Mof transactions for the period and estimated annual income and earnings data.
.                                Show Portfolio
KThis command displays a list of assets and current values (as of the ending
Ireporting date as specified in the DEFAULT menu).  The window also allows
Kyou to look in detail at performance  and tax basis data of each individual
Jasset in the portfolio.  This command is not active for checking accounts.
2                            Show Asset Information
IThis command displays a brief summary of earnings and income data for the
Kcurrently selected asset.  You may change the data shown by this feature by
+using the Edit menu item to edit the asset.
1                            View Transaction List
IThis command displays the list of transactions generated using the Search
Hutility.  Use this command to view the transactions matching a specified
criterion.
1                              Search Transactions
LThis command allows you to search the transactions in the currently selected
Jaccount to find those matching specified criteria.  A list is created, and
Hthe matching transactions are added to the list.  If a list from a prior
Lsearch already exists, the new transactions are added to that list.  You can
Msearch only the currently Selected Account using this command.  If you select
Hanother account, the transactions found using the search command will be
erased.
)                                     List
JThese commands allow you to work with a list of transactions created using
Hthe Search utility by specifying search criteria for transactions in the
Jcurrently selected account.  You can use these commands to create and view
/a list, to export a list, and to delete a list.
3                          Total Performance Summary
JThis command generates a performance summary for the sum total of all your
Iaccounts.  The format is the same as for each individual account, and the
Mbeginning and ending dates for the analysis are specified in the same fashion
Nby using the DEFAULTS REPORTING DATES command.  Checking accounts are excluded
Kby default unless you specifically include them by checking the INCLUDE box
Ldisplayed by the INCLUDE CHECKING command found under the DEFAULT menu item.
/                               Plot Total Worth
JThis command plots the sum of values in all your accounts on a graph.  The
KDate range for the graph is specified using the DEFAULT PLOT DATES command.
KIf you do not specify a date, then the current quarter is used.  By default
Hchecking accounts are excluded, but you may include them by checking the
KINCLUDE box in the DEFAULT INCLUDE CHECKING command found under the DEFAULT
Jmenu item.  The scale for plotting will be determined automatically unless
Hyou set the scale using the DEFAULT PLOT MIN/MAX command found under the
DEFAULT menu item.
6                        Display Current Account Values
GThis command displays the values in the currently selected account in a
Mscrolling window.  You can export the data to an ASCII file from this window.
LThe date range used is that specified in the DEFAULT PLOT DATES command.  If
2no range is specified the current quarter is used.
1                              Display Total Worth
KThis command displays the sum of values in all your accounts in a scrolling
Klist.  You can export the data to an ASCII file from this window.  The date
Irange for the data are those specified in the DEFAULT PLOT DATES command.
KIf no range is specified, the current quarter is used.  By default checking
Kaccounts are excluded, but you may include them by checking the INCLUDE box
-under the DEFAULT INCLUDE CHECKING menu item.
2                             Select Item From List
KThis screen allows you to select an item from a list.  You may select using
Ieither the keyboard or the mouse.  If you use the keyboard, use the arrow
Gkeys to move the highlighting up or down one line at a time, or use the
JPAGE UP and PAGE DOWN keys to move one page at a time.  To select an item,
0press the SPACEBAR when the item is highlighted.
IIf you prefer to use a mouse, you may move the highlighting bar using the
Iscrollbar on the right of the window.  To scroll forward, place the mouse
Hcursor on the scrollbar below the position indicator and press the mouse
Kbutton.  If the mouse cursor is above the lower arrow on the scrollbar, the
Jdisplay will scroll one page at a time.  if the cursor is on the arrow the
Ldisplay will scroll one line at a time.  You may also place the mouse cursor
Jdirectly on the display you wish to select and click the mouse button once
Jto highlight the item.  It you now press ENTER or click the OK button, the
Ewindow will close, and the highlighted item will become the currently
Kselected item.  You may also double click (click twice in rapid succession)
Bto select and item and at the same time cause the window to close.
HYou can also close the window by clicking on the CLOSE ICON found in the
 upper left corner of the window.
KIf you leave this window by pressing the ESCape key, then the selected item
Fwill not change.  Otherwise, the item you selected will become the new
selected item.
1                             Using the Calculator
NYou can use this calculator to perform arithmetic calculations while using the
JTRX program.  The calculator buttons can be pressed either by pressing the
Ncorresponding keyboard keys or by positioning the mouse cursor on a button and
Ipressing the mouse button.  The calculator can be left open on the screen
Iwhile you use other features of the program.  You activate the calculator
Fafter leaving it by positioning the mouse cursor on the calculator and
Iclicking the mouse button.  You can move the calculator just as any other
Mwindow by positioning the mouse cursor on the upper border of the calculator,
Iholding down the mouse button, and moving the mouse.  The calculator will
"follow the movements of the mouse.
MThe contents of the calculator display can be transferred to either the Price
KUpdate Window or the Transaction Update Window (Value panel) by positioning
Nthe mouse cursor on the calculator display and pressing the mouse button.  The
Gquantity shown in the display will then immediately appear on the other
Iwindow.  This is useful if you have to translate a foreign stock price to
Ldollars, for example, or if you have to add a commission to a purchase price
for a transaction.
NThe PERCENT (%) key functions like the EQUAL (=) key on the calculator, except
Mthat the last entered value is interpreted as a percent.  So, for example, to
Kcompute 10% of 500 press the key sequence 500 * 10 %.  The S key is used to
Lstore the number shown on the display in the calculator's memory.  The R key
Lrecalls the stored value from memory.  The
 key is used to add the value in
Lthe display to memory.  The
 function computes the square root of the value
shown in the display.
MYou can remove the calculator from the screen by using the mouse to click the
Lsquare CLOSE ICON located in the upper left corner of the calculator window.
FYou may also remove the calculator by clicking in it with the mouse to
Nhighlight it, or by using the NEXT WINDOW command under the OTHER menu item to
Ihighlight the calculator window, then activating the CLOSE WINDOW command
under the OTHER menu item.
/                             Using the Calendar
LThe calendar display is activated using the CALENDAR command under the OTHER
Kmenu item.  The calendar can be kept open on the screen while you use other
Nfeatures of the program.  The calendar is particularly useful for transferring
Jdates to the Price Update Window and the Transaction Update Window.  To do
Nthis, simply use the mouse to click on a date while one of these other windows
Lis open.  The date you click on will immediately appear on the date panel of
the other window.
LYou can change the month of the calendar forward or backward by using the UP
Gand DOWN arrow keys, or by using the mouse to click on the triangle and
*inverted triangle on the Calendar display.
KTo remove the calendar from the screen, use the mouse to click on the CLOSE
NICON located in the upper left corner of the calculator display.  You can also
Mremove the calculator by using the CLOSE WINDOW command found under the OTHER
Jmenu item.  This command will close the calculator window if the window is
Lhighlighted.  You can highlight the window either by clicking in it with the
Kmouse, or by cycling through the windows with the NEXT WINDOW command found
under the OTHER menu item.
0                             Group Select Window
HYou may select items shown in the upper list.  The items you select will
Lappear in the lower list.  You may "unselect" any selected item by selecting
Kit from the lower list.  It will then disappear from that list and reappear
in the upper list.
KTo select an item, highlight it, either by using the UP and DOWN arrow keys
Kand the PAGE UP and PAGE DOWN keys to move the highlight bar to the desired
Litem.  Then press the SPACEBAR or double click the mouse to select the item.
LWhen you have selected all the items you wish, then press ENTER or click the
-OK button with the mouse to close the window.
LUse the TAB key to move from the upper list to the lower list.  You may also
Buse the mouse by clicking within the area occupied by either list.
2                             Entering Account Data
KThis window allows you to enter data about a new account, or to change data
:for an existing account.  The following data are required:
LAccount Name - This is simply the name of the account.  You can use any name
!               meaningful to you.
MValid Date   - The Valid date specifies the date after which transaction data
=               entered in the account is valid.  This date is
J               required, because you may choose to enter data for existing
D               accounts without entering every transaction that ever
K               occurred in the account.  If you choose to set up an account
H               in this fashion, then to get the beginning year share and
L               cash balances, you will have to enter some transactions which
K               did not actually occur in the account.  The Valid Date tells
J               the program that the transactions prior to this date are to
H               be ignored when computing account values.  Values for any
K               account can only be computed on and after the Valid Date, so
6               set the Valid date as early as you can.
HCash Yield   - The Cash Yield is the interest rate you expect to earn on
M               cash in the account.  This is used to compute estimated income
                for your account.
LAccount Type - There are two essentially different types of accounts in this
G               program.  A CHECKING account allows only cash assets and
H               transactions, and the transactions allowed are limited to
D               deposits, withdrawals, interest received, and balance
M               adjustments.  All other types of accounts allow all assets and
M               all transactions.  Select the type you want to use by clicking
2               the appropriate box with the mouse.
NTax Status   - Use this feature to categorize the account as a TAXABLE account
N               or as a TAX DEFERRED account, such as an IRA, Keogh plan, 401-K
K               plan, or other tax deferred retirement account.  The program
L               uses this information to make estimates of taxable income and
               capital gains.
JWhen you enter data for a new account, the program creates an entry in the
LAccount Index, and creates a file for the account.  The filename consists of
Jthe first eight characters of the account name, and the file type is .act.
KIf you attempt to create a second account with a name having the same first
Neight characters as an existing account, the program will report an error, and
7you will have to change the name of the second account.
/                               Enter Asset Data
MUse this window to enter data for a new asset or to edit data for an existing
Iset.  Enter the name of the asset using no more than 255 characters.  You
Fmay enter a SYMBOL if you wish.  Its only use is to identify the asset
Mwhen you import prices from a file.  If you wish to enter a symbol, press the
<TAB key to move to the symbol panel and type in your symbol.
MThe two panels labeled 1st ASSET CLASS and 2nd ASSET CLASS allow you to enter
Hasset classes for use in displaying asset allocation information in your
Iportfolio.  Type the names of the asset classes in the panels, or use the
Kmouse to press the buttons with the down arrows to display a list to select
Lfrom.  You can define the classes you wish to use by using the CREATE  ASSET
NCLASS command found under the CREATE menu item.  You might use the first asset
Hclass, for example, to classify your assets in broad categories, such as
N"equities", "bonds", "money market funds", "real estate", etc.  Then you could
Luse the second class to identify assets more specifically, such as "consumer
Lnondurables", "pharmaceuticals", "foreign equities", etc.  By using the VIEW
HALLOCATION commands found under the VIEW menu item, you can see how your
,assets are allocated among these categories.
LUse the mouse to click on the asset type.  You can enter data for many kinds
Kof assets not listed here.  The distinctions on asset type are used only in
Ldisplaying information about the assets.  For example, if you wish to follow
Kthe S&P 500 Stock Index, you can create an asset named "S&P 500 Index", and
Kcall it a stock.  If you call it a stock, you will be able to enter data on
Mcurrent and projected earnings and dividends for the S&P 500 Index to compare
Lwith your own portfolio.  You can also enter an asset classified as OTHER if
Jyou wish.  For example, foreign currency might be entered in this fashion.
.Options might also be entered as OTHER assets.
LWhen you enter asset data, an entry in the Asset Index is created, and a new
Lfile is created using the first 8 characters of the asset name as a filename
Jand using the filetype .sec.  Hence, if you attempt to enter more than one
Nasset with the same first 8 characters in the name, the program will report an
@error, and you will have to change the name of the second asset.
2                           Search for Transactions
MTo search for transactions, enter the search criteria in this window.  If you
Mwish to search for a specific asset name, type all or part of the name in the
Kpanel marked NAME.  You need not worry about case, since the search program
Nignores it.  Enter any dates to restrict the search in the panels marked BEGIN
NDATE and END DATE.  If you wish to search the memo panel of transactions, type
Kthe string to search for in the MEMO panel.  Using the mouse or the TAB key
Land space bar, mark the CHECKBOXES for the types of transactions you wish to
Minclude in the search.  If you do not mark any boxes, no transactions will be
Jfound.  Finally, if you wish to restrict the search to certain CATEGORIES,
Jtype the category in the panel marked Category.  You may select a category
0by using the mouse to press the button marked C.
MAfter you have filled out the window, press ENTER or click OK with the mouse.
NTo view the resulting transactions, activate the VIEW LIST command found under
the LIST menu item.
FIf you have a list from a search, you may make a second search and add
Nadditional items to the list.  The search command will not add duplicate items
Cto the list, so you can use similar search criteria more than once.
EYou can use this command to compile lists of dividend payments, stock
Mpurchases, sales, etc.  This command will search only the transactions in the
LSelected Account.  If you attempt to select another account while you have a
Jlist of transactions found by the search command, the list will be erased.
MSimilarly, if you delete any transactions from the Selected Account while you
Ihave a list of transactions found by the search command, the list will be
Kerased.   In certain other circumstances the list can also be erased, so if
Hyou want to keep the list, export it to a file before working with other
    commands.
-                                View the List
NThis window displays the transactions you have found using the search command.
NThe window also displays the total value obtained by summing the values of all
Kthe transactions included in the list.  You can delete items on the list by
Mdouble clicking on the item with the mouse, or by highlighting the item using
Mthe arrow keys and PAGE UP and PAGE DOWN keys and pressing the SPACEBAR.  The
Ntotal value shown at the bottom will then update itself to reflect the change.
KIf you wish to include more items in the list, you may make another search.
IThe existing list will not be discarded, but rather, the additional items
Nfound in the second search will be added to the existing list.  You may delete
Kthe list when you are finished with it using the DELETE command found under
Gthe LIST menu item.  This command also occurs under the EDIT menu item.
LYou may sort the items in the list either by date or by the asset name.  For
Hlists of checking account transactions, the SORT BY NAME command does an
?alphabetical sort on the transactions by the DESCRIPTION field.
NYou may select an item in the list by clicking on it once with the mouse.  The
Kselected item will become the currently selected transaction, which will be
Gdisplayed when you open the transaction update window (using the UPDATE
7TRANSACTIONS command found under the UPDATE menu item).
LIf you change the selected account, the list will be erased.  You may save a
Ncopy of the list on a file by using the EXPORT command.  This can be activated
*using the mouse, or by pressing the E key.
/                               Portfolio Window
JThis window shows you the portfolio contained in the Selected Account.  It
Iincludes all assets owned by the account at any time during the reporting
Mperiod.  The display shows each of your positions as of the final date of the
Mreporting period.  You can change the reporting period using the DEFAULT menu
Hcommand.  The name, number of units owned, and the value of each of your
Lpositions is shown.  In the case of short positions, the number of units you
Kown will be negative, and a second number of units will show the units held
Jin a short position as a positive number.  If you have both long and short
Mpositions in the same security, the number of units shown in the first column
Lwill be your net position (LONG - SHORT).  Your short position will be shown
in the second units column.
IYou may obtain detailed information on the performance of each individual
Nasset by pressing the SUMMARY button using the mouse or by pressing the letter
IS.  You may also export a copy of the portfolio to a file by pressing the
Jexport button.  Either a standard ASCII format, which can be imported into
Iword processors or printed using the PRINT command in DOS, or a Lotus 123
Mimport file format may be specified in the DEFAULT menu.  By pressing the TAX
KBASIS button using the mouse (or by pressing the letter B) you may obtain a
Idetailed list of tax basis information on the highlighted asset.  The tax
Nbasis is shown for each acquisition you have made, including reinvested funds.
IYou may plot a graph of the total value of the asset by pressing the PLOT
NVALUES button or by pressing the letter P.  The values will be plotted between
8the plot dates as specified under the DEFAULT menu item.
,                                 Select Item
MUse this window to select an item.  To select an item, move the highlight bar
Mto the desired asset.  You may use the UP and DOWN ARROW keys and PAGE UP and
LPAGE DOWN keys to scroll up and down through the list.  You may also use the
Emouse to operate the SCROLLBAR found on the right side of the Window.
KTo select an item, either press the SPACEBAR or double click with the mouse
Kbutton on the item.  When you do this, the window will close automatically,
8and the item you selected will become the selected item.
JYou can also select an item by clicking on it only once with the mouse and
Lthen pressing the ENTER key or clicking on the OK button.  You may close the
=window without selecting anything by pressing the ESCape key.
0                              Select Transaction
KUse this window to select a transaction from the currently selected account
Gor to view the transactions existing in the currently selected account.
KTo select a transaction, move the highlight bar to the desired transaction.
HYou may use the UP and DOWN ARROW keys and PAGE UP and PAGE DOWN keys to
Kscroll up and down through the list.  You may also use the mouse to operate
Hthe SCROLLBAR found on the right side of the window.  To select an item,
Leither press the SPACEBAR or double click with the mouse button on the item.
MYou may also select an item by clicking on it once with the mouse or by using
Nthe arrow keys to highlight the desired item and pressing ENTER or clicking on
Ethe OK button.  You may close the window without changing the current
&selections by pressing the ESCape key.
KUse the mouse to press the EXPORT button or type the letter E to export the
Ndata shown in this window to a file.  You will be asked to supply a file name.
AThe file will be an ASCII file that looks similar to the display.
JUse the SHOW DETAIL button (or press the letter S) to list the acquisition
Mtransactions and tax basis associated with a sale or withdrawal of securities
=or with a purchase transaction which closes a short position.
-                                 Select Price
FUse this window to select a price or display prices from the currently
Hselected asset. To select a price, move the highlight bar to the desired
Lprice. You may use the UP and DOWN ARROW keys and PAGE UP and PAGE DOWN keys
Nto scroll up and down through the list.  You may also use the mouse to operate
Hthe SCROLLBAR found on the right side of the window.  To select an item,
Leither press the SPACEBAR or double click with the mouse button on the item.
MYou may also select an item by clicking on it once with the mouse or by using
Jthe arrow keys to highlight the item and pressing ENTER or clicking the OK
button.
LOnce you have made a selection, the window will close automatically, and the
Mitem you selected will become the currently selected item.  You may close the
=window without making a selection by pressing the ESCape key.
1                             Set the Default Date
NUse this window to set the DEFAULT DATE.  This is the date used when you enter
Ma new asset price for the selected asset, or when you enter a new transaction
Mfor the selected account.  When you press the NEW button in either the UPDATE
FASSET PRICE window or the UPDATE TRANSACTIONS window, a blank price or
Itransaction form will be created with the DEFAULT DATE placed in the date
JThis is convenient if you are entering a set of prices for stocks or other
Lsecurities from a newspaper listing of quotes.  You can set the date for the
Ndate of the quotes, then simply enter the prices without having to type in the
Hdates.  You can also import prices automatically from data obtained from
Jonline quote services.  See the FILE IMPORT ASSET PRICES command under the
FILE menu item.
3                          Set Default Plot Interval
JThis window allows you to enter a time interval in days used for computing
Mand plotting account values.  When you request account values to be computed,
Nthe program uses the DEFAULT REPORTING DATES to specify the range of dates for
Ncomputing account values, and it uses the DEFAULT PLOT INTERVAL to specify the
Ndates between the reporting dates on which to compute values.  The smaller the
Kinterval you specify, the slower the calculation and the greater the memory
Nrequirements for computing the values will be.  The program will initially set
Cthe value to 7 days, so that weekly closing values will be used for
'plotting and displaying account values.
2                            Show Asset Information
NThis window displays information about the currently selected asset.  It shows
Gthe asset name, its SYMBOL, its price as of the DEFAULT DATE, the asset
Kclassifications you have assigned, the estimated earnings and dividends per
Gshare for the current year and for next year for stocks and mutual fund
Kshares.  These data are those you provide in the CREATE ASSET or EDIT ASSET
Afunctions.  The display also shows the current year and next year
*Price/Earnings ratios and Dividend Yields.
MFor bonds, the display shows the bond's face value, maturity date, and coupon
Erate.  For money market funds, the display shows the estimated yield.
0                             Show Account Values
LThis window displays values of accounts.  The date and closing value for the
Ldate listed are shown on each line.  You can export these data to a file for
Huse in other programs by pressing the EXPORT button with the mouse or by
pressing the E key.
MThe date range actually used depends on the VALID DATE for the account. If an
Iaccount has a VALID DATE later than the beginning date you specify in the
KDEFAULT REPORTING DATES command, then the first date used for computing the
Hvalues will be the VALID DATE of the account.  If you are displaying the
Ksum of values for several accounts, then the earliest date used will be the
Glater of the latest VALID DATE for any of the accounts or the beginning
reporting date.
5                          Account Performance Summary
KThis window shows an analysis of account performance.  The period for which
Lthe summary is generated is the REPORTING PERIOD specified under the DEFAULT
Nmenu item.  If the default dates are not used, the current calendar quarter is
Nused.  The beginning of the period may be later than the date specified if the
Maccount VALID DATE (or any of the account valid dates for an overall summary)
+is later than the specified beginning date.
LThe first section of the report, entitled Summary of Changes in Value, shows
Nhow your account values have changed over the reporting period.  The beginning
Lbalance is increased by Realized and Unrealized Gain (which will be negative
Hif there is a loss) and by Deposits of either cash or securities, and is
Gdecreased by any Withdrawals of cash or securities.  The ending balance
Kreflects the latest market values available prior to the ending date.  Also
Ishown is the annualized Internal Rate of Return for the reporting period.
IThis is the computed annualized rate of return on your investment in this
Maccount taking into account the timing of all deposits and withdrawals in the
Haccount.  The last item shown is an estimated after tax internal rate of
Ireturn.  In calculating the after tax rate of return, the program assumes
Jthat interest, dividends, capital gains distributions and OID interest not
Jcategorized as tax exempt is taxable.  Balance adjustments with categories
Lthat are taxable are also included.  Capital gains are calculated from sales
Kand purchase transactions representing closing of short positions.  The tax
Mis calculated based on the marginal tax rates specified in the TAX RATES item
Hunder the DEFAULTS menu item.  All taxes are assumed to be paid when the
Mincome is realized.  This estimate can only be considered approximate, due to
Kthe possibility that your tax rate changed over the reporting period and to
Kother factors that cannot be anticipated.  However, this figure should give
Lyou a good idea of the tax efficiency of your investments by comparison with
)the pretax rate of return shown above it.
MNote that any Balance Adjustment transactions that occurred during the period
5will show up as part of Realized and Unrealized Gain.
LThe second section summarizes current values of the account.  The Securities
JValue includes everything but cash and money market funds, which are shown
Lseparately.  The Tax Basis of Securities shows the tax basis computed by the
3program based on transaction data you have entered.
MThe third section shows transactions entered for the reporting period.  These
$transactions are defined as follows:
I  Purchases - Total value of all purchases of securities and money market
L    funds.  This does not include any reinvested distributions.  It includes
2    transactions closing short positions, however.
H  Sales - Total value of all sales of securities and money market funds.
I    This does not include any capital gains distributions.  This includes
    any short sales.
G  Dividends - Total value of cash dividends distributed to your account
C    during the period.  This does not include reinvested dividends.
J  Reinvested Dividends - Total value of dividends reinvested in securities
%    in you account during the period.
J  Interest - Total interest paid to your account during this period.  This
D    does not include any accrued interest on original issue discount
    instruments.
L  Return of Capital - Total value of all cash distributions paid to you that
H    are classified for tax purposes as return of capital.  Distributions
H    from real estate investment trusts (REIT's) and limited partnerships
I    often have some or all of their distributions classified as return of
    capital.
L  Short Term Capital Gain Dist - Total value of all short term capital gains
C    distributed in cash to your account.  This does not include any
    reinvested capital gains.
L  Reinvested Short Term Capital Gain - Total value of all short term capital
5    gains reinvested in securities during the period.
J  Long Term Capital Gain Dist - Total value of all long term capital gains
C    distributed in cash to your account.  This does not include any
    reinvested capital gains.
J  Reinvested Long Term Capital Gain - Total value of all long term capital
5    gains reinvested in securities during the period.
D  Short Term Capital Gains - Total value of short term capital gains
I    resulting from sales of securities in your account.  This figure does
0    not include any capital gains distributions.
L  Long Term Capital Gains - Total value of long term capital gains resulting
K    from sales of securities in your account.  This figure does not include
$    any capital gains distributions.
B  Total Cash Distributions - Sum of dividends, interest, return of
M    capital, capital gains distributions, and any positive balance adjustment
G    values paid to your account.  It does not include reinvested funds.
L  Miscellaneous Income - Sum of all positive balance adjustment transactions
    recorded to your account.
M  Miscellaneous Expense - Sum of all negative balance adjustment transactions
    recorded to your account.
F  Taxable Ordinary Income - Sum of dividends, interest and any balance
N    adjustment transactions you have marked as taxable income, tax deductions,
L    or tax credits.  Both distributions in cash and reinvested dividends are
I    included, as well as taxable OID accruals, but tax exempt amounts are
E    excluded.  This will be shown as zero for a tax-deferred account.
@  Taxable Capital Gains - Sum of all capital gains, capital gain
H    distributions and reinvested capital gains, excluding any tax exempt
;    amounts.  This will be zero for a tax-deferred account.
GThe last section shows estimated data based on information you provided
Hfor each of the assets you own.  (You provide this information using the
FCREATE NEW ASSET command or the EDIT ASSET command).  These values are
defined as:
JCurrent Year Earnings - Estimated earnings based on the earnings per share
H  data you provided.  The value shown is obtained by multiplying the per
E  share estimate by the number of shares you own as of the end of the
H  reporting period.  For bonds the earnings are estimated by multiplying
E  face value by the coupon rate.  For money market funds, the current
J  ending value is multiplied by the annual interest rate.  Only securities
6  held in long positions are used to compute earnings.
KPrice/Earnings Ratio - The ratio of the current asset value to the earnings
I  estimated for the asset.  The net value of the asset is used, including
  any short positions.
CNext Year Earnings - Similar to Current Year Earnings, but uses the
1  per share estimates for the next calendar year.
HCurrent Year Income - Estimated income from dividends and interest based
C  on current per share estimates of dividends for stock, on current
K  interest rates for money market funds, and coupon rate and face value for
H  bonds.  As with the earnings estimate, only long positions are used to
  make this estimate.
9Yield - Current Year Income divided by total asset value.
IYou can save this screen on a file by using the EXPORT command, which can
Mbe activated by using the mouse to click on the word EXPORT on the statusline
Lat the bottom of the screen.  You can also type ALT-P to activate the export
command.
4                           Asset Performance Summary
IThis window shows an analysis of asset performance.  The period for which
Lthe summary is generated is the REPORTING PERIOD specified under the DEFAULT
Kmenu item.  If the default dates are not used, the current calendar quarter
Jis used.  The beginning of the period may be later than the date specified
Eif the account VALID DATE is later than the specified beginning date.
LThe first section of the report, entitled Summary of Changes in Value, shows
Bhow your asset values have changed over the reporting period.  The
Jbeginning balance is increased by Realized and Unrealized Gain (which will
Fbe negative if there is a loss), by Deposits of the asset in question,
Kby purchases of the asset.  The Beginning balance is reduced by Withdrawals
Dof the security from the account, sales of the security, and by cash
Ldistributions of the security, which are part of the Realized and Unrealized
Ggain.  The sum of these changes added to the beginning value yields the
Kending value of the asset.  This section also shows the annualized Internal
JRate of Return for the period.  The Internal Rate of Return is the rate of
Lreturn accounting for the timing of deposits, withdrawals, purchases, sales,
Kand cash distributions of the asset.  The current number of shares owned is
Kalso shown.  The tax basis of holdings as of the last date of the reporting
Jperiod is also shown.  This tax basis is computed from the initial cost of
Mthe asset adjusted for sales, reinvested funds, basis adjustments, and return
Mof capital.  It is shown regardless of the tax status of the account in which
Ithe asset is held.  The last item shown is an estimated after tax rate of
Ireturn.  In calculating the after tax rate of return, the program assumes
Jthat interest, dividends, capital gains distributions and OID interest not
Jcategorized as tax exempt is taxable.  Balance adjustments with categories
Lthat are taxable are also included.  Capital gains are calculated from sales
Kand purchase transactions representing closing of short positions.  The tax
Mis calculated based on the marginal tax rates specified in the TAX RATES item
Hunder the DEFAULTS menu item.  All taxes are assumed to be paid when the
income is realized.
JThe second section shows transactions entered for the reporting period for
?the selected asset.  These transactions are defined as follows:
I  Purchases - Total value of all purchases of securities and money market
L    funds.  This does not include any reinvested distributions.  It includes
2    transactions closing short positions, however.
H  Sales - Total value of all sales of securities and money market funds.
F    This does not include any capital gains distributions, but it does
    include short sales.
G  Dividends - Total value of cash dividends distributed to your account
C    during the period.  This does not include reinvested dividends.
J  Reinvested Dividends - Total value of dividends reinvested in securities
%    in you account during the period.
J  Interest - Total interest paid to your account during this period.  This
@    does not include any OID interest on original issue discount
    instruments.
L  Return of Capital - Total value of all cash distributions paid to you that
H    are classified for tax purposes as return of capital.  Distributions
H    from real estate investment trusts (REIT's) and limited partnerships
I    often have some or all of their distributions classified as return of
    capital.
L  Short Term Capital Gain Dist - Total value of all short term capital gains
C    distributed in cash to your account.  This does not include any
    reinvested capital gains.
L  Reinvested Short Term Capital Gain - Total value of all short term capital
5    gains reinvested in securities during the period.
J  Long Term Capital Gain Dist - Total value of all long term capital gains
C    distributed in cash to your account.  This does not include any
    reinvested capital gains.
J  Reinvested Long Term Capital Gain - Total value of all long term capital
5    gains reinvested in securities during the period.
D  Short Term Capital Gains - Total value of short term capital gains
I    resulting from sales of securities in your account.  This figure does
0    not include any capital gains distributions.
L  Long Term Capital Gains - Total value of long term capital gains resulting
K    from sales of securities in your account.  This figure does not include
$    any capital gains distributions.
K  Total Cash Distributions - Sum of dividends, interest, return of capital,
J    capital, capital gains distributions, and positive balance adjustments
E    associated with the asset.  Only cash distributions are included.
K  Miscellaneous Income - Sum of all positive balance adjustments associated
"    with the asset for the period.
L  Miscellaneous Expense - Sum of all negative balance adjustments associated
"    with the asset for the period.
L  Taxable Ordinary Income - Sum of dividends, interest, and net value of any
G    balance adjustments associated with the asset and marked as taxable
E    income or tax deductions.  Both dividends distributed in cash and
L    reinvested dividends are included.  This is zero for assets held in tax-
    deferred accounts.
@  Taxable Capital Gains - Sum of all capital gains, capital gain
I    distributions, and reinvested capital gains.  This is zero for assets
"    held in tax-deferred accounts.
GThe last section shows estimated data based on information you provided
@for the selected asset.  (You provide this information using the
FCREATE NEW ASSET command or the EDIT ASSET command).  These values are
defined as:
JCurrent Year Earnings - Estimated earnings based on the earnings per share
H  data you provided.  The value shown is obtained by multiplying the per
E  share estimate by the number of shares you own as of the end of the
H  reporting period.  For bonds the earnings are estimated by multiplying
E  face value by the coupon rate.  For money market funds, the current
J  ending value is multiplied by the annual interest rate.  Only securities
=  held in long positions are counted in making this estimate.
KPrice/Earnings Ratio - The ratio of the current asset value to the earnings
J  estimated for the asset.  The asset value is the net value including any
  short positions held.
CNext Year Earnings - Similar to Current Year Earnings, but uses the
1  per share estimates for the next calendar year.
HCurrent Year Income - Estimated income from dividends and interest based
C  on current per share estimates of dividends for stock, on current
K  interest rates for money market funds, and coupon rate and face value for
K  bonds.  Like the earnings estimate, only long positions contribute to the
  estimated income.
9Yield - Current Year Income divided by total asset value.
IYou can save this screen on a file by using the EXPORT command, which can
Mbe activated by using the mouse to click on the word EXPORT on the statusline
Lat the bottom of the screen.  You can also type ALT-P to activate the export
command.
3                           Cash Performance Summary
NThis window shows a summary of performance of cash assets during the reporting
period.
MThe first section, entitled Summary of Changes in Value, shows the changes in
Jvalue of cash held in your account.  The beginning balance is increased by
HDeposits, Sales of Securities, Net Cash Distributions from other assets,
Lincluding net effects of miscellaneous income and expenses for other assets,
Nany Balance Adjustments you have made for the Cash asset, and earnings on your
Jcash balance (dividends and interest).  It is decreased by Withdrawals and
MPurchases of Securities.  The annualized Internal Rate of Return on your cash
Lbalance is also shown.  This rate of return fully accounts for the timing of
Kall transactions involving cash.   The last item shown is after tax rate of
Ireturn.  In calculating the after tax rate of return, the program assumes
Jthat interest and dividends not marked as tax exempt are taxable.  Balance
GBalance adjustments with categories that are taxable are also included.
JThe tax is calculated based on the marginal tax rates specified in the TAX
JRATES item under the DEFAULTS menu item.  All taxes are assumed to be paid
when the income is realized.
HThe second section lists dividend and interest transactions on your cash
Ibalance.  Dividends are included in case you treat your money market fund
assets as cash.
LThe third section shows estimated total income on your cash assets.  You can
Lchange the estimated yield by using the EDIT ACCOUNT command found under the
8EDIT menu item to change the CASH YIELD for the account.
IYou can save this screen on a file by using the EXPORT command, which can
Mbe activated by using the mouse to click on the word EXPORT on the statusline
Lat the bottom of the screen.  You can also type ALT-P to activate the export
command.
2                            The Transaction Window
MThe Transaction Window is used to enter transactions in the selected account.
MThis window is a NONMODAL window, so you can leave it on the screen while you
Mdo other work with the program.  When you want to close the window, click the
Lmouse on the small square CLOSE ICON found near the upper left corner of the
Hwindow.  You can also close the window by using the CLOSE WINDOW command
 found under the OTHER menu item.
1                            Entering Transactions
LTo enter a transaction, open the Transaction Window by activating the UPDATE
ETRANSACTIONS command under the UPDATE menu item.  This will cause the
ITransaction Window to appear on the screen.  This window contains, as you
Fwill note, several INPUT PANELS, some CHECKBOXES, and CONTROL BUTTONS.
2                           Entering the Asset Name
MTo begin entering a transaction, first use the mouse to press the NEW button.
MThis will create a blank transaction.  (Don't do this if you are entering the
Mfirst transaction in the account - the blank transaction will already be done
Nfor you).  Then enter the asset to which the transaction applies.  For example
Nif you wish to purchase 100 shares of stock XYZ Corp., then enter the name XYZ
JCorp. in the Asset Name Input Panel.  You can do this by either typing the
Jname or by selecting the asset using the SELECT button to the right of the
KASSET NAME panel.  When you select the asset this way, the name will appear
Jautomatically in the panel unless you cancel the selection by pressing the
LCANCEL button in the asset list or by pressing the ESCAPE key.  You may also
Fpress the USE SELECTED ASSET button to enter the name of the currently
MSelected Asset in the asset name panel.  You can use the SELECT ASSET command
Lfound under the menu item SELECT to change the currently Selected Asset.  If
Nyou prefer, you can type the name of the asset.  You need only type as much of
Jthe name as required to identify it, since the program will search for the
Kasset whose name contains the characters you type.  Case is ignored in this
search.
0                               Entering the Date
JNow, use the TAB key to move to the next input panel, the DATE panel.  You
Jcan also click in this panel with the mouse to activate it.  The date that
Kappears automatically will be the DEFAULT DATE, which you can change.  Type
Jthe date in the format  mm/dd/yy, where mm is the number of the month (you
Kneed only use one digit for a one digit month), dd is the number of the day
J(you need only use one digit for the day) and yy is the last two digits of
Kthe year.  For example, January 1, 1995 would be 1/1/95.  The date you type
Lin here should be the date of the transaction you are recording.  If you are
Jrecording a stock split, the best date to record is the record date rather
Ithan the actual distribution date, because the stock price will change to
Ireflect the split on the record date, and if you own shares prior to that
Ldate, your shares will reflect the value of the new shares to be distributed
Mto you.  You may use the CALENDAR (found under the OTHER menu item) to create
Ia DATE entry for you.  You do this by clicking the mouse on a date on the
MCalendar.  When you do this, the date you click will appear in the Date Panel
of the Transaction Window.
/                             Entering the Value
INext, press TAB to move to the Value input panel.  Enter the value of the
Jtransaction here.  This value should reflect all costs, commissions, fees,
Getc. involved in the transaction.  So, for example, if you purchase 100
Jshares of XYZ Corp. for $23 per share and pay commission and fees totaling
F$55, then enter $2355 as the transaction value.  If you are entering a
Fstock split, the value of the ratio of the number of new shares to the
Jnumber of old shares.  Hence a 3-for-2 split would be entered with a value
Fof 1.5.  If you are entering a dividend, the value is the value of the
Hdividend.  The procedure is similar for other distributions.  If you are
Jentering a Tax Basis Adjustment, the value is the adjustment to be made to
Nthe tax basis of an asset.  The adjustment may be either positive or negative.
KYou may enter values into the Value Panel using the CALCULATOR if you wish.
K(The Calculator is found under the OTHER menu item).  When you activate the
Gcalculator, if you click the mouse on the calculator display panel, the
Fnumber in the calculator display will appear on the Transaction Window
KValue Panel.  You can use this if you need to add commissions and fees to a
Jprice to enter data, or if you need to convert currency values for foreign
stock transactions.
4                        Entering the Number of Units
JNext, TAB to the Units panel and enter the number of units involved in the
Itransaction.  This, of course, refers to the number of shares for stocks,
Jfor example.  In transactions involving only cash, you don't have to enter
Mthe number of units, since the units will be set equal to the value for cash.
JFor cash distributions you do not have to enter any value for units, since
Gthe units are not used.  For any reinvested distributions, however, the
Cunits refer to the number of units purchased with the distribution.
8                  Entering Information in the Memo Panel
GIf you wish, you may enter a memo by TABBING to the MEMO panel.  Common
Gmemo items would be descriptions of withdrawals due to tax withholding.
INoting the purpose of the withdrawal in cases like this will allow you to
:find all such transactions later using the search command.
4                       Choosing the Transaction Type
HNext, enter the type of transaction by clicking the appropriate CHECKBOX
Gwith the mouse.  You may also use the TAB key to highlight the boxes in
Hsequence, and press the SPACEBAR to mark the appropriate box.  Note that
Ionly one box can be checked, and if you check another, the first box will
Ibe unchecked.  If you are entering a sale of a security, you must specify
Jhow the shares are to be sold.  The default method is FIFO (First In First
KOut), which is presumed by the Internal Revenue Service.  For mutual funds,
Dhowever, FIFO is cumbersome, and either single category averaging or
Gdouble category averaging is usually used.  If you choose one of these,
Hhowever, you will have to note it on your tax form, and you will have to
Hcontinue to use it for any future sales of the same mutual fund.  If you
Lare selling all of the shares you own of a particular asset, then it doesn't
Gmatter how you do it, the tax consequences are the same, so you can use
LFIFO.  If, again, you have already used some other method for a mutual fund,
!continue to use it for that fund.
;                   Selecting a Category for the Transaction
LYou may also, optionally, enter a CATEGORY for the transaction by typing the
Kname of the category in the box, or by clicking on the down arrow button to
Hdisplay the list of categories.  The Category you select will be used in
Morganizing the transactions for the tax summary.  When you select a category,
Hthe tax status associated with the category will be displayed on the tax
Kstatus checkboxes.  If you click on another tax status, you will select one
-of the five predefined tax status categories.
2                            Saving the Transaction
NOnce you have finished the transaction data entry, you save the transaction by
Lusing the mouse to press the SAVE button.  You may also save the transaction
Jand simultaneously create a new blank one by pressing the NEW button.  You
Mmay see details of certain transactions when the DETAIL button is highlighted
Fby pressing it.  This is used to edit details of SPECIFIC ID SALES and
NPURCHASE transactions used to close short positions.  Press this button if you
Mwish to change the lots you sell in a SPECIFIC ID SALE or the short positions
Myou close in a PURCHASE transaction.  You don't need to press the button when
Lyou initially enter those transactions, as the program automatically prompts
6you to enter information on the lots to sell or close.
8                   Controlling the Order of Transactions
<are entered in order of date into the account.  Transactions
Jfalling on the same date are entered in the order you save them.  This can
Jsometimes be important.  If you acquire a security and sell it on the same
Nday, you must enter the acquisition transaction prior to the sales transaction
Kunless the sale transaction is a short sale, in which case the sale must be
Lentered first.  In other words, you must enter transactions occurring on the
Lsame day in the order in which they actually took place.  The only exception
Nto this is stock split transactions, which are always as the first transaction
on a given day.
FIf you change a transaction and save it again, it will become the last
!transaction having the same date.
6                       Moving Through the Transactions
CThe NEXT and PREVIOUS buttons move forward and backward through the
Etransactions.  The PAGE DOWN and PAGE UP keys do the same thing.  The
KCTRL-PAGE UP key combination moves to the first transaction in the account,
)and the CTRL-PAGE DOWN moves to the last.
1                            Deleting Transactions
JYou may delete a transaction by using the mouse to press the DELETE button
Gon the window.  You may also use the key combination CTRL-DELETE.  When
Hyou perform either of these actions, a message will pop up asking if you
Jreally want to delete the transaction.  You may respond by either clicking
Kon the CANCEL button, pressing the OK button, or pressing the ENTER key for
MOK to delete.  The program will NOT ALLOW you to delete certain transactions.
HThese are transactions which are referenced by future transactions.  For
Iexample, a purchase transaction for shares which have been sold cannot be
Ideleted or altered in any substantial way.  (You can only change the MEMO
Iportion of the transaction).  If you want to alter such transactions, you
0first need to delete the referring transactions.
/                             Closing the Window
NYou may close the window by clicking with the mouse on the CLOSE ICON found in
Gthe upper left corner of the window.  You may also use the CLOSE WINDOW
(command found under the OTHER menu item.
1                        Shortcut Key Combinations
KThe checking account transaction window allows several shortcut keystrokes.
These are:
;  PgUp       - to scroll backward through the transactions.
:  PgDn       - to scroll forward through the transactions.
?  Ctrl-PgUp  - to display the first transaction in the account.
>  Ctrl-PgDn  - to display the last transaction in the account.
;  Enter      - to save the currently displayed transaction.
L               (unlike the SAVE button, however, pressing the ENTER key does
G               not force a transaction which has not been changed to be
G               saved again.  If you have changed some prior information
J               affecting tax basis of an asset you sold, you should resave
L               the sale transaction using the SAVE button to recalculate the
&               tax basis information.)
J  Ctrl-Enter - to save the current transaction and create a new blank one.
=  Ctrl-Del   - to delete the currently displayed transaction.
B  Esc        - to erase changes that have been made in the current
)               transaction before saving.
Transaction Types
H  PURCHASE - This is a purchase of a security for cash.  In any purchase
H    transaction, it is assumed that the cash for the purchase comes from
I    cash in the account.  If you pay for a purchase with other funds, you
F    must record a deposit of the funds into the account along with the
K    purchase.  You must record in the VALUE panel the total cost, including
I    any commissions and fees.  You also must list the number of shares or
I    units purchased in the UNITS panel.  The Purchase transaction is also
M    used to close short positions.  When you enter a purchase transaction for
M    an asset in which you have a current short position, the program will ask
H    you if you intend to close a short position.  If you answer YES, the
H    program will display a list of opening short transactions for you to
*    select the position you wish to close.
M  SALE - This is a sale of a security owned by the account.  In order to sell
J    a security, you must own it.  If you sell a security, you must specify
M    which shares you are selling by checking a SALE TYPE box.  Details on the
N    various options are listed below.  Proceeds from the sale are deposited in
K    the account.  If you receive the funds directly, then you must record a
L    withdrawal from the account.  You must specify the net proceeds from the
K    sale in the VALUE panel.  The number of shares must be specified in the
L    UNITS panel.  If you intend to sell all of your holdings of a particular
K    asset, you may set the UNITS to 0.  The program will then automatically
H    fill in the correct value.  You may also use the sale transaction to
M    enter a SHORT SALE.  A short sale is defined as a sale of an asset you do
N    not own.  You indicate a short sale by checking the SALE TYPE boxed marked
N    Short.  For more details on short sales, read the information on SALE TYPE
    below.
M  DEPOSIT - This is for a deposit of cash or securities into the account.  If
E    you deposit securities into the account, specify the value of the
L    securities in the value panel.  You must specify the number of UNITS and
I    the VALUE of the deposited securities.  If you deposit cash, you need
G    only specify the VALUE, as the UNITS will be set equal to the value
    automatically.
F  WITHDRAWAL - This is for a withdrawal of cash or securities.  If you
I    take securities out of the account, you must specify a value, and you
G    must specify which securities, including which lot, you are taking.
K    You must specify both the VALUE of the security to be withdrawn and the
I    number of UNITS.  If you intend to withdraw all of your holdings of a
L    security, you may set the UNITS to 0, and the program will automatically
J    enter the correct value.  For cash withdrawals, you do not need to set
>    the UNITS, as it will be set equal to VALUE automatically.
M  ADJUST BALANCE - This allows you to adjust the cash balance in the account.
J    This transaction has two functions.  The first is to simply correct an
K    imbalance in the cash in your account.  You should not normally have to
H    do this, but if you have an irresolvable discrepancy you may make an
I    adjustment using this transaction type.  Enter in the VALUE panel the
J    adjustment, using a positive number to adjust the cash balance upward,
K    and a negative number to adjust the balance downward.  Use as the asset
&    Cash for this type of transaction.
L    You may also use this transaction type to enter miscellaneous income and
L    expense amounts.  For example, if you receive a cash distribution from a
I    security, and the distribution is not a dividend, interest, return of
L    capital or capital gain distribution, you may enter the transaction as a
K    balance adjustment.  Similarly, you may enter miscellaneous expenses by
J    entering a negative value in the VALUE panel.  You may mark the proper
H    tax treatment for either of these cases.  For example, miscellaneous
K    income may be marked as taxable income, and an expense may be marked as
M    tax deductible or eligible for a tax credit.  If you leave the tax status
I    panel as NORMAL, then the transaction will not be included in any tax
J    summaries.  You do not need to fill in the UNITS field for the balance
    adjustment transaction.
K  DIVIDEND - This is for recording cash dividends on stocks or money market
I    funds.  If you use the Cash asset to handle money market funds in one
J    of your brokerage accounts, you can also record dividends for the cash
G    asset.  Stock Dividends (that is dividends paid in stock) should be
I    recorded as Reinvested Dividends.  The number of UNITS panel need not
F    be filled out, as it is not used for any purpose, but for your own
J    information, you might list the number of shares on which the dividend
    was based.
L  INTEREST - This is for recording cash payments of interest.  Do not record
E    accrued interest on zero coupon bonds here.  Use the OID Interest
L    transaction for that.  You need not specify the number of UNITS for this
=    transaction.  You may, however, for your own information.
J  DIVIDEND REINVESTMENT - This is for recording reinvested dividends.  You
H    must indicate the value of the dividend and the number of new shares
B    purchased with it in the VALUE and UNITS panels, respectively.
G  SHORT GAIN REINVESTMENT - This is for recording reinvested short term
H    capital gain distributions.  Record the value of the gain along with
I    the number of new shares purchased in the VALUE and the UNITS panels,
    respectively.
D  LONG GAIN REINVESTMENT - As above, but for long term capital gains
    distributions.
L  SHORT GAIN - This is for recording short term capital gains distributed to
B    your account in cash.  The Units panel need not be filled out.
J  LONG GAIN - This is for recording long term capital gains distributed to
B    your account in cash.  The Units panel need not be filled out.
G  ADJUST BASIS - This is used to make an adjustment to the tax basis of
G    any of the assets you own.  This can be used to make adjustments to
E    tax basis of assets you may have owned before you set up your TRX
J    account.  For example, if you owned shares in a real estate investment
J    trust, which in the past had paid return of capital distributions, the
J    tax basis of you holding will be less than the purchase price.  If you
K    have not included the prior year return of capital distributions in the
K    TRX data base, the tax basis cannot be computed, so you must adjust the
L    tax basis by using a basis adjustment transaction.  You can also use the
L    tax basis adjustment feature when a stock you own spins off a new stock.
J    You will have to allocate your basis in the original stock between the
J    original stock you still hold and the new spinoff stock distributed to
>    you.  You can use the basis adjustment feature to do that.
J    If you have purchased several lots of a single security, you must make
1    the basis adjustment separately for each lot.
H  STOCK SPLIT - This is used to record stock splits.  To record a split,
L    record the ratio of the number of new shares to the number of old shares
J    in the Value panel.  For example, a 3-for-2 split would be recorded as
J    a split with a value of 1.5.  Do not record taxable stock dividends as
N    splits, but rather record them as reinvested dividends.  You need not fill
F    out the UNITS panel , since the number of units is not used in the
'    program for any other calculations.
J  RETURN OF CAPITAL - This is used to record cash distributions which are,
J    for tax purposes, regarded as nontaxable return of capital.  Return of
G    capital distributions are commonly paid by limited partnerships and
K    real estate investment trusts (REIT's).  Your 1099-DIV form sent to you
G    by your broker should list any return of capital.  Often, return of
L    capital is not computed during the year when distributions are made, but
I    is computed and reported to you retroactively at the end of the year.
M    In this case if you have recorded the distributions as taxable dividends,
G    you will have to correct the dividend values and record the correct
K    return of capital amounts in order for the program to correctly compute
I    the tax basis of your assets.  You must record in the VALUE panel the
J    amount of the distribution.  You need not record the units, since this
L    will be set automatically.  When you save the transaction, a window will
I    appear instructing you to indicate the lots of a security to which to
K    apply the return of capital distribution.  You may press the F1 key for
    help in selecting the lots.
M  OID INTEREST - This allows you to record accrued interest on original issue
M    discount (OID) instruments, such as zero coupon bonds.  OID interest will
I    be reported to you on Internal Revenue Service form 1099-OID, but the
I    amount reported there will usually have to be corrected for the price
L    you paid for your bond and the time you held it.  Check IRS publications
M    for the procedure to correct the OID reported, because it varies with the
K    year the bond was issued.  You must specify the OID amount in the VALUE
I    panel and the number of units to which it applies in the UNITS panel.
L    If you wish it to apply to all your holdings of the asset specified, you
I    may set the UNITS to 0, and the program will enter the correct value.
NThe sale methods determine the tax basis of your sold assets.  When you save a
Ksale transaction, the program searches through the transactions dated prior
Jto the sale to determine the tax basis of the sold assets.  This tax basis
His then saved along with the sale.  If you subsequently make changes to
Jdata prior to the sale, you may invalidate the tax basis for the sales you
=entered, so be careful with modifications of historical data.
*Here is a description of the sale methods:
F  FIFO - First In First Out assumes that you sell first the shares you
H    bought first.  So, suppose you own 200 shares of XYZ Corp., of which
K    you purchased 100 shares 10/1/91, and another 100 you purchased 5/3/92.
D    Suppose you wish to sell 150 shares of XYZ.  FIFO would sell the
H    100 shares purchased 10/1/92, then sell 50 shares of those bought on
H    5/3/92.  You tax basis and gain would be determined from the cost of
    these shares.
M  Highest Cost - This method picks the highest cost shares to sell first.  It
K    has the advantage of reducing your capital gains tax liability, but, if
L    you choose to use it, you will have to inform you broker in writing that
G    you wish to sell the specific shares chosen by this method, and get
K    written confirmation from your broker that this was done.  In the above
M    example of XYZ Corp. if the shares purchased earlier were lower cost than
K    the shares purchased later, this method would sell 100 shares purchased
K    on 5/3/92 and 50 shares purchased 10/1/91, resulting in a lower capital
L    gains tax than FIFO.  When you use this method, you can find out exactly
K    which shares the program chose to sell by using the SELECT TRANSACTIONS
K    command to display the transactions in the account.  Then highlight the
J    sale in question, and press the DETAIL button.  This will show exactly
F    what shares were sold along with the tax basis of the sold shares.
I  Average Cost - This method is commonly used for mutual funds which have
L    been reinvesting dividends and capital gains over the years, since it is
K    simple.  The tax basis is figured by dividing the total cost of all the
I    shares you own by the total number of shares you own to yield the per
L    share tax basis.  Then, the tax basis of the shares you sell is just the
L    number of shares you sell multiplied by the per share tax basis.  In the
J    above example, this would amount to selling 75 shares from each of the
C    purchase lots.  The tax basis would be between that of FIFO and
M    Highest Cost if the earlier shares were lower cost than the later shares.
M    The holding period for long term capital gain tax treatment is determined
L    by the length of time the first shares purchased have been held.  If you
K    use any of the average basis methods to figure your tax basis, you must
M    continue to use this method for all future investments in the same mutual
J    fund company, and you must note that you are using this method on your
J    tax return.  See Internal Revenue Service Publications 550 and 564 for
    more details.
J  Double Category Average Cost - This method is a variation of the average
M    cost method.  The difference is that the averages are computed separately
K    for shares held long term and for shares held short term.  Then you can
L    specify whether to sell shares held long term or shares held short term.
I    This program implements two versions of the double category averaging
    method.  These are:
N  Double Category Average Cost - Long - This method sells the long term shares
N    first.  If you have requested more shares than there are long term shares,
-    the program then sells short term shares.
J  Double Category Average Cost - Short - This method sells the shares held
G    short term first, and if it needs to sell more, sells the long term
    shares.
M  Specific Identification - This method is not usually used for mutual funds,
K    since many fund managers do not have the record-keeping means to permit
I    it.  It is sometimes used for individual stocks, however.  Again, you
G    must inform your broker of which shares to sell in writing, and get
J    written confirmation that those shares were sold.  In this method, you
N    pick the lots to sell.  This program implements this procedure as follows:
K    when you select Specific ID for a sale, the program will display all of
H    the purchase lots for which you own shares.  You select the lots you
G    wish to sell, in the order you wish to sell them.  Then the program
G    sells the lots until it sells the number of shares you requested to
        sell.
L  Short Sale - This indicates that the transaction is not really a sale, but
L    an opening transaction of a short position.  Use this for short sales of
K    securities, whether you own them or not, and for sales of options which
J    are not closing transactions of option contracts you already own.  For
J    example, if you sell a call option on a stock you own, enter this as a
K    short sale of the option.  Enter as the VALUE the proceeds you received
K    from the option sale.  Enter as the units the number of shares covered.
M    Before you can do this, however, you must create an asset for the option.
    Category:
MYou may define your own categories, or you may use one of the five predefined
Ltax status categories.  If you define your own categories, you may assign to
Kit a tax status.  The tax status designations available are the same as the
1predefined categories, and they are listed below.
Tax Status:
KNormal - This status is the default, and assumes normal tax treatment.  For
N    example, dividends are assumed taxable as long as the account is a taxable
    account, etc.
ITax Deduct - This can be used with withdrawals and balance adjustments to
M     signify that the amount withdrawn is deductible from taxes.  This status
I     can only be used for withdrawals and balance adjustments intended to
&     represent miscellaneous expenses.
ITax Credit - This can be used with withdrawals and balance adjustments to
M     signify that the amount withdrawn can be credited against tax liability.
H     This status can only be used with withdrawal and balance adjustment
     transactions.
ITax Income - This status, which can only be used with deposit and balance
L     adjustment transactions, signifies that the amount deposited represents
N     taxable income.  It can be used for miscellaneous income provided to your
J     account.  It can be used only with the deposit and balance adjustment
     transactions.
NTax Exempt - This status signifies that the income received in the transaction
N     is exempt from taxation.  This status is allowed for interest, dividends,
3     capital gains distributions, and OID interest.
8                      How to Record Various Transactions
KCredit Union Dividends - These are recorded as interest, even when they are
I  called dividends.  Enter Cash as the asset name.  If you have created a
M  special asset, such as a money market asset, for your credit union account,
M  then enter its name or select it using the SELECT button in the transaction
      window.
KStock Purchases - Enter the name of the security (You must first create the
K  security using the CREATE ASSET command.  You should enter price data for
K  the asset from the day of purchase.  You may enter such data prior to the
L  date of purchase if you like.  Enter in the VALUE panel the total price to
L  you of the asset, including all commissions and fees.  Enter the number of
H  shares in the UNITS panel, and mark the PURCHASE checkbox and save the
G  transaction.  If you paid for the stock with funds not already in the
C  account, record a deposit of the funds you paid for the security.
FMutual Fund Purchases - The procedure is identical to that for stocks.
JBond Purchases - For zero coupon bonds, the procedure is identical to that
F  given above.  Your tax basis in the bond is the price you paid.  For
J  regular bonds, however, the situation may be different.  If you bought a
F  bond at original issue, then simply record the transaction as above.
J  If, however, you bought a bond on the secondary market, you will usually
F  have bought it between interest payment dates, or prior to the first
I  payment date, but later than the original issue date of the bond.  As a
K  result, the bond will have accrued some interest, which you can calculate
I  using the face value of the bond, and converting the interest rate to a
K  daily rate and multiplying by the number of days from either issue or the
K  last interest payment.  This amount of interest, called accrued interest,
I  is not part of the tax basis of the bond.  So, record the bond price as
H  the price you paid less the accrued interest.  Then record the accrued
H  interest as an interest transaction, but with a negative value for the
I  interest payment.  You may note that it is accrued interest in the memo
L  panel.  When you are paid interest on the bond, record the entire interest
L  payment as interest.  Your taxable interest will be the difference between
I  the actual interest paid to you and the accrued interest you paid.  You
F  may also record accrued interest as a cash WITHDRAWAL, noting in the
E  MEMO panel that it is accrued interest and using the TAX DEDUCT tax
K  status to flag this as a tax deductible item for the Tax Summary command.
HStock Splits - Stock splits are recorded in two places.  First, record a
L  split for the stock asset by using the UPDATE PRICE window and marking the
I  SPLIT CHECKBOX.  Then, if you own the stock in any accounts, record the
G  split in each of the accounts.  Record the ratio of the number of new
L  shares to the number of old shares in the VALUE panel.  You do not have to
0  enter the number of shares in the transaction.
IStock Dividends, spinoffs, and the like - Stock dividends are payments of
K  stock as dividends instead of cash.  They may or may not be taxable.  The
J  company issuing the dividend will tell you if the dividend is taxable or
J  not.  If it is, then record the stock dividend as a REINVESTED DIVIDEND.
L  If it not taxable, record it as a stock split, entering in the VALUE panel
M  the sum 1 + the number of new shares you received for each share you owned.
J  Spinoffs are more complicated.  In general, however, they are treated as
K  follows.  You own, say, 100 shares of XYZ Company.  The company spins off
F  ABC Corp., distributing 50 shares of ABC Corp. to you.  If this is a
K  nontaxable distribution, then record a DEPOSIT of the shares of ABC Corp.
G  Enter 0  as the VALUE for the deposit.  Next, you must make tax basis
K  adjustments to the shares of XYZ Company and ABC Corp.  Usually, you will
M  allocate your existing tax basis in XYZ Company between XYZ Company and ABC
D  Corp., so that your total tax basis in all of these shares remains
K  unchanged.  To do the allocation get prices for 1 share of XYZ Company on
N  the day of the split and for 1/2 share of ABC Corp. on the day of the split.
-  Then, compute the XYZ allocation factor as:
B      XYZ Allocation Factor = XYZ price / (XYZ price + ABC price),
M  where XYZ price is the price of 1 share of XYZ, and ABC is the price of the
J  number of shares of ABC you received for each share of XYZ (1/2 share in
8  our example above).  The ABC Allocation factor is just
A     ABC Allocation Factor = ABC price / (XYZ price + ABC price).
I  Now, for each lot of XYZ you own, find its tax basis.  Multiply this by
I  the XYZ allocation factor to get the new basis.  The difference between
G  the old basis and the new basis becomes the basis for the ABC shares.
H  Record a basis adjustment for the XYZ shares entering as the VALUE the
K  change in basis, which will be a negative value.  Do this for each lot of
M  XYZ, keeping track of the total adjustments.  This total adjustment becomes
K  the basis for the new ABC shares.  Make a tax basis adjustment to the new
L  ABC shares by entering the sum of the adjustments of the XYZ shares.  This
K  adjustment will be positive, since the program will assume a 0 basis from
J  the initial deposit transaction above.  If you have done this correctly,
N  when you VIEW the PORTFOLIO of the account holding these shares and show the
M  asset detail, the sum of the tax basis of XYZ and ABC should be the same as
  the old tax basis of XYZ.
M  Taxable spinoffs are often just dividends, but instead of cash, you receive
M  stock in the new company.  Record this as a dividend followed by a purchase
  of the new stock.
J  Some spinoffs are more complicated, and have taxable portions as well as
K  nontaxable portions.  The company issuing the stock will usually tell you
:  how to treat the spinoff for tax purposes in such cases.
IStock Sales - To record a sale of stock, enter the name of the stock, the
Jdate of the transaction, the total net proceeds to you in the VALUE panel,
Iand the number of shares to be sold in the UNITS panel.  The program will
Knot allow you to sell more shares than you own.  For a sale, you may choose
Lthe shares to sell, if you own several different lots purchased at different
Gtimes, by specifying the SALE METHOD.  FIFO (First-in-first-out) is the
Ndefault method, and is sanctioned by the Internal Revenue Service.  All of the
Lother methods require some degree of notification to the IRS or your broker.
KMutual Fund Sales - These are recorded in a manner similar to that of stock
L  sales.  You may, however, use average basis without having to specify this
J  to your broker.  You will have to note this on your tax return, however,
K  and in the future, any sales of the same mutual fund will have to use the
'  same method of calculating the basis.
JBond Redemptions - Record a bond redemption as a sale.  Generally you will
H  receive the face value of the bond, and this should be recorded as the
G  VALUE of the transaction.  For an ordinary bond, there will be no tax
%  consequences for a bond redemption.
MBond Sales - Record this as you would any sale.  If you sell the bond between
K  interest payment dates, however, you must allocate a portion of the sales
J  proceeds to accrued interest.  This calculation is done exactly as it is
H  when you buy a bond between payment dates.  You may record the accrued
K  interest as a DEPOSIT to the account, noting that it is accrued interest.
M  This is taxable income.  Record the remaining portion of the sales price as
L  the VALUE of the sales transaction.  Your capital gain or loss on the bond
J  will be determined from this value.  Use the total sales proceeds net of
K  any commissions and fees to do the calculation.  You should mark the MEMO
L  panel as accrued interest transaction and the tax status as TAX INCOME, so
M  it will be flagged by the Tax Summary command.  You can also record accrued
J  interest on a bond sale as receipt of interest.   For zero coupon bonds,
M  you do not have to record accrued interest.  Simply record the net proceeds
  to you as the sales VALUE.
KLimited Partnership Distributions - Distributions from limited partnerships
G  usually are comprised of several components.  There may be a dividend
K  component, a capital gains distribution component, an interest component,
H  and a return of capital component.  You will usually not find out what
H  the components are until the end of the tax year when you receive your
J  tax statements.  At that time, if you have recorded the distributions as
G  dividends, you may make the appropriate adjustments by allocating the
D  distributions as dividends, capital gains distributions, interest,
  return of capital, etc.
KREIT distributions - These are treated in a manner similar to that used for
H  limited partnership distributions.  They usually consist of a dividend
*  portion and a return of capital portion.
0                             Update Price Window
KThis window allows you to update asset prices.  Like the UPDATE TRANSACTION
LWindow, this window can remain open on the screen.  The window allows you to
Menter Date-Value pairs.  When you no longer need the window on the screen you
Ncan close it by clicking the mouse on the small square CLOSE ICON located near
Mthe upper left corner of the window.  You can also close this window by using
9the CLOSE WINDOW command found under the OTHER menu item.
IIf you wish to update prices automatically from a file downloaded from an
Lonline service use the FILE IMPORT ASSET VALUES command found under the FILE
menu item.
.To update asset prices, follow this procedure:
IFirst, open the window by activating the UPDATE ASSET PRICE command found
Kunder the UPDATE menu item.  If you have not already selected the asset you
Fdesire to update, then select the desired asset using the SELECT ASSET
Lcommand under the SELECT menu item.  When you do this, the name of the asset
Gyou select will appear at the top of the window.  If the asset does not
Jhave any price data, the DEFAULT DATE will appear in the Date Panel of the
Kwindow, and a value of zero will appear in the Value Panel.  You may change
Ithe date if you wish by typing over it.  If you plan to enter a number of
Hprices all on the same date, it will be easier if you change the DEFAULT
JDATE to the date for which you plan to enter prices.  Use the DEFAULT menu
Hitem to do this.  Then use the TAB key to move to the Value Panel of the
Jwindow, and type the price in the panel.  To save the price, use the mouse
Lto press the SAVE button, or just press the ENTER key.  If you plan to enter
Lseveral prices for the same asset, you may simply press the NEW button using
Jthe mouse (or press CTRL-ENTER on the keyboard) to simultaneously save the
:price you just entered, and create a new blank price form.
MIf the asset you wish to update already has some price data in it on opening,
Lthe window will show the last price you selected.  To enter new data, before
Jyou begin typing, you must create a blank price form by using the mouse to
Ipress the NEW button or by pressing CTRL-ENTER.  Then proceed as above to
enter the data.
KIf you plan to enter prices for all of your assets all on the same day, by,
Efor example, reading quotes from a newspaper, then you may proceed by
Kselecting the first asset in the asset list and entering data for it.  Then
Jset the DEFAULT DATE to the date for which you wish to enter prices.  Next
Jpress using the mouse the NEXT ASSET button.  This will display the latest
Jprice for the next asset in the asset list, and you can create a new price
Hform and enter a price for it.  Finally, use the mouse to press the SAVE
Gbutton on the form, then press the NEXT ASSET button again for the next
asset.
IYou can move forward and backward through the prices you have entered for
Kan asset by using the mouse to click on the NEXT and PREVIOUS buttons.  The
EPAGE DOWN and PAGE UP keys do the same thing.  The CTRL-PAGE DOWN and
@CTRL-PAGE UP key combinations move to the last and first prices,
Krespectively.  You can delete a price entry by using the mouse to press the
=DELETE button or by pressing the key combination CTRL-DELETE.
KTo close the window, click the mouse on the small square CLOSE ICON located
Inear the upper left corner of the window.  You can also close it by using
Hthe CLOSE WINDOW command found under the OTHER menu item.  Make sure the
KUpdate Price window is highlighted before you use this command, however, or
you may close another window.
-                                 Stock Splits
LYou use this window to enter stock split data as well as prices.  To enter a
Isplit, enter the number of new shares outstanding for each original share
Loutstanding before the split.  For example, for a 2-for-1 split, enter 2, or
Kfor a 3-for-2 split, enter 1.5.  Then select the SPLIT checkbox rather than
Kthe VALUE box.  Remember that if you own the stock, you must also enter the
7split as a transaction in any account owning the stock.
2                            Set Default Plot Dates
KUse this command to set the dates for displaying graphs of asset prices and
Jaccount values.  You specify and beginning and ending date.  You must also
Hcheck the checkbox in order for the data you entered to be used.  If the
Ebox is not checked, the program will use the beginning of the current
Jcalendar quarter as the beginning date, and the current date as the ending
Kdate for graphs of account values.  Remember that if any account VALID DATE
Iis earlier than the beginning specified date, then the VALID DATE is used
instead.
KFor graphs of asset prices, if you do not check the box, then all the price
data is displayed on a graph.
3                           Set Default Report Dates
DUse this command to set the dates for reporting account performance.
CYou specify and beginning and ending date.  You must also check the
Icheckbox in order for the data you entered to be used.  If the box is not
Mchecked the program will use the beginning of the current calendar quarter as
Jthe beginning date, and the current date as the ending date for reports of
Kaccount values and performance.  Remember that if any account VALID DATE is
Fearlier than the beginning specified date, then the VALID DATE is used
instead of the beginning date.
/                              Stock Information
JThis box allows you to enter data concerning a stock.  This information is
Joptional.  It is used to estimate Price/Earnings ratios and dividend yield
Kfrom current price data.  It is also used to estimate annual income in your
    accounts.
IIf you wish to provide information, use the TAB key to move from panel to
Epanel.  When you are finished, press the ENTER key or click on the OK
button with the mouse.
/                               Bond Information
IThis box allows you to enter data concerning a bond.  This information is
Hoptional.  It is used to estimate annual income in your accounts holding
these bonds.
IIf you wish to provide information, use the TAB key to move from panel to
Epanel.  When you are finished, press the ENTER key or click on the Ok
button with the mouse.
3                           Money Market Information
GThis box allows you to enter an average interest rate estimate for your
Hmoney market asset.  Providing this information is optional.  It is used
Fto estimate annual income in any of your accounts that own this asset.
HIf you wish to provide information, type the interest rate in the panel,
Bthen press the ENTER key or click on the Ok button with the mouse.
4                           Set Default Export Format
HUse this command to set the format for exporting data to files.  You can
Kexport the data as a regular ASCII file, or you can enclose nonnumeric data
Jin quotation marks to export the data as a file importable into Lotus 123.
4                           Set Default Export Format
HUse this command to set the format for exporting data to files.  You can
Kexport the data as a regular ASCII file, suitable for printing or importing
Dinto word processing programs, or you can export a file suitable for
Iimporting into spreadsheet programs such as Lotus 123.  Check the desired
Bbox using the mouse, or by typing the highlighted letter (A or L).
1                            Input File Dialog Box
HEnter a filename in the Input Line panel, or, press ENTER or TAB to move
Kthe cursor to the FILE LIST.  You can select a file from the list by moving
Mthe arrow keys to highlight the desired file, or by clicking on the file name
Lwith the mouse.  Then, to open the file, press ENTER or click the OK or OPEN
button with the mouse.
HYou can also use WILDCARDS in the INPUT LINE panel.  The asterisk is the
Hwildcard character.  So, to list all files with a filetype of .dat, type
K*.dat then press ENTER.  By typing a directory name, you may list all files
in that directory.
0                              Purge Transactions
JUse this command to eliminate old transactions from the currently selected
Haccount.  To use this command, first use the EDIT ACCOUNT command, found
Hunder the EDIT menu heading, to change the account VALID DATE to a later
Hdate.  The PURGE TRANSACTIONS function will remove unneeded transactions
Iprior to the new VALID DATE, and update cash balances by making a balance
Kadjustment transaction to your account on the valid date.  All transactions
Faffecting the status of your account as of the VALID DATE will be left
Ein the account.  Only those transactions which can be removed without
Jchanging your holdings and tax basis on the VALID DATE will be eliminated.
HBe careful when using this command, since the changes are permanent, and
Blost data cannot be recovered.  Before you use this command, it is
Jrecommended that you backup your data using the BACKUP command found under
the FILE menu item.
3                          Backup/Restore Disk Drive
KEnter the disk drive letter for Backup and Restore data operations.  Simply
Ftype the letter of the drive you wish to save data to or retrieve data
Hfrom.  If you type an incorrect drive letter, the program will alert you
Fto the error and ask if you wish to cancel the operation or try again.
JIf you choose to try again, enter a new letter in the dialog box and press
EENTER or click on OK with the mouse.  When you have entered a correct
,disk drive letter, the program will proceed.
,                                 Backup Data
MUse this command to save your data to a floppy disk.  You should back up data
Lfrequently to avoid possible loss of data due to unexpected disk problems or
Maccidental erasure.  The BACKUP DATA command asks you to enter the disk drive
Nletter to which data should be written.  Enter the drive letter.  If the drive
Lis not ready, or you have entered an invalid drive, a critical error message
Kwill appear on the statusline giving you further instructions.  If you have
Jmore data than can be accommodated on a single disk, the program will stop
Nduring data transfer and notify you to insert another floppy disk.  You should
Mkeep these disks together and number them in order of use, because to restore
Kdata from the disks, you will have to insert them in the same order as data
was written to them.
-                                 Restore Data
MThe RESTORE DATA command allows you to restore data from a previous backup of
Gthe data.  Before you use this command, however, you should backup your
Ncurrent data, because otherwise it will be replaced by the restored data.  The
IRESTORE DATA command will ask you for the disk drive letter from which to
Krestore the data.  If you enter an incorrect value, the program will notify
&you and give you further instructions.
LThis command is useful if you have purged some transactions from any of your
4accounts, and you wish to look at the original data.
-                                 Select Asset
NUse this window to select an asset.  To select an item, move the highlight bar
Mto the desired asset.  You may use the UP and DOWN ARROW keys and PAGE UP and
LPAGE DOWN keys to scroll up and down through the list.  You may also use the
Imouse to operate the SCROLLBAR found on the right side of the window.  To
Hselect an item, either press the SPACEBAR or double click with the mouse
Nbutton on the item.  You may also select an asset by clicking on the item with
Fthe mouse or by using the arrow keys to highlight the desired item and
Mpressing ENTER or clicking the OK button.   Once you do this, the window will
Mautomatically close.  You can leave the window without making a new selection
by pressing the ESCape key.
NThe asset you select becomes the currently Selected Asset, and you may display
Gthe prices of the asset using the SELECT PRICE menu command, or you may
Mdisplay a graph of the price history using the PLOT ASSET PRICE command.  You
<may update the prices using the UPDATE ASSET PRICES command.
.                                Select Account
KUse this window to select an account to work with.  To select an item, move
Jthe highlight bar to the desired asset.  You may use the UP and DOWN ARROW
Kkeys and PAGE UP and PAGE DOWN keys to scroll up and down through the list.
KYou may also use the mouse to operate the SCROLLBAR found on the right side
Lof the window.  To select an item, either press the SPACEBAR or double click
Nwith the mouse button on the item.  You may also select an item by clicking on
Jit once with the mouse or by using the arrow keys to highlight the desired
Nitem and pressing ENTER or clicking the OK button with the mouse.  When you do
*this, the window will close automatically.
JThe account you select becomes the currently Selected Account, and you may
Ldisplay its values using the VIEW ACCOUNT VALUES command, or you may display
Ka performance summary using the VIEW ACCOUNT SUMMARY command.  You may also
Iupdate transactions in the account using the UPDATE TRANSACTIONS command.
2                            Output File Dialog Box
LEnter a filename in the Input Line panel, or, press ENTER or TAB to move the
Kcursor to the FILE LIST.  You can select a file from the list by moving the
Narrow keys to highlight the desired file, or by clicking on the file name with
Mthe mouse.  Then, to write the file, click on the OK button with the mouse or
press ENTER.
HYou can also use WILDCARDS in the INPUT LINE panel.  The asterisk is the
Nwildcard character.  So, to list all files with a filetype of .dat, type *.dat
Mthen press ENTER.  By typing a directory name, you may list all files in that
directory.
MYou can export files in one of two formats - a standard ASCII file that looks
Flike the screen display, or you can export a file for importing into a
Ispreadsheet.  The format for exporting is set by using the DEFAULT EXPORT
1FORMAT command found under the DEFAULT menu item.
6                         Export Values File Dialog Box
LEnter a filename in the Input Line panel, or, press ENTER or TAB to move the
Kcursor to the FILE LIST.  You can select a file from the list by moving the
Narrow keys to highlight the desired file, or by clicking on the file name with
Mthe mouse.  Then, to write the file, click on the OK button with the mouse or
press ENTER.
HYou can also use WILDCARDS in the INPUT LINE panel.  The asterisk is the
Nwildcard character.  So, to list all files with a filetype of .dat, type *.dat
Mthen press ENTER.  By typing a directory name, you may list all files in that
directory.
MYou can export files in one of two formats - a standard ASCII file that looks
Flike the screen display, or you can export a file for importing into a
Ispreadsheet.  The format for exporting is set by using the DEFAULT EXPORT
1FORMAT command found under the DEFAULT menu item.
8                     Export Transactions File Dialog Box
LEnter a filename in the Input Line panel, or, press ENTER or TAB to move the
Kcursor to the FILE LIST.  You can select a file from the list by moving the
Narrow keys to highlight the desired file, or by clicking on the file name with
Mthe mouse.  Then, to write the file, click on the OK button with the mouse or
press ENTER.
HYou can also use WILDCARDS in the INPUT LINE panel.  The asterisk is the
Nwildcard character.  So, to list all files with a filetype of .dat, type *.dat
Mthen press ENTER.  By typing a directory name, you may list all files in that
directory.
MYou can export files in one of two formats - a standard ASCII file that looks
Flike the screen display, or you can export a file for importing into a
Ispreadsheet.  The format for exporting is set by using the DEFAULT EXPORT
1FORMAT command found under the DEFAULT menu item.
CWhen you export transactions, the resulting exported file shows the
Mtransactions as they are displayed by the SELECT TRANSACTIONS command, except
Cthat in cases of sales of securities, the corresponding acquisition
Atransactions are shown indented just below the sales transaction.
6                         Export Assets File Dialog Box
HEnter a filename in the Input Line panel, or, press ENTER or TAB to move
Kthe cursor to the FILE LIST.  You can select a file from the list by moving
Mthe arrow keys to highlight the desired file, or by clicking on the file name
Iwith the mouse.  Then, to write the file, click on the OK button with the
mouse or press ENTER.
HYou can also use WILDCARDS in the INPUT LINE panel.  The asterisk is the
Nwildcard character.  So, to list all files with a filetype of .dat, type *.dat
Mthen press ENTER.  By typing a directory name, you may list all files in that
directory.
MYou can export files in one of two formats - a standard ASCII file that looks
Flike the screen display, or you can export a file for importing into a
Ispreadsheet.  The format for exporting is set by using the DEFAULT EXPORT
1FORMAT command found under the DEFAULT menu item.
/                               View Tax Summary
GThis command shows you a summary of taxable income from your investment
Kaccounts.  The summary shows data only from the accounts which are taxable.
NTax-deferred accounts are excluded.  The taxable income summary is broken down
Dby account for income, such as interest, dividends, and capital gain
Kdistributions.  Individual transactions are shown for sales, as required on
MSchedule D of Form 1040.  The summary also shows items you have marked as tax
,deductions, taxable income, and tax credits.
2                            Taxable Income Summary
NThis summary shows taxable income from your taxable investment accounts.  Only
Lthose accounts you have flagged as taxable are included in this summary. The
Csummary shows income, such as interest, dividends, and capital gain
distributions by account.
3                           Capital Gain Information
LSale transactions are shown individually to provide you with information for
Kreporting capital gains in Schedule D of Form 1040, and are segregated into
Mlong term and short term capital gains categories.  In certain cases the data
Lshown here will not have the correct acquisition date for tax purposes.  The
Lprogram warns you about this possibility whenever you have acquired an asset
Hby means of a DEPOSIT transaction rather than a purchase or reinvestment
Mtransaction.   This might occur, for example, if you received shares of stock
Mas a gift, in a tax-free stock distribution, in a like-kind exchange, or some
Nother transaction by which you "inherit" the previous tax basis of the shares.
NIn these cases, the program will display the actual date at which you acquired
Mthe shares, but this date may be incorrect for calculating income taxes.  The
Jprogram will put an asterisk after such dates and display a warning on the
screen in such cases.
JSales of money market fund assets are not normally included in the capital
Lgain listing.  In the unusual circumstance of a gain or loss on such a sale,
it is included.
MIf you sell mutual funds shares or other equities and use the SINGLE CATEGORY
MAVERAGE COST method of determining the basis of the sold shares, you may find
Nshares held for less than the normal long term holding period listed among the
Ilong term gains.  This is because the program, in accord with present tax
Lcode, determines the holding period for the average cost basis method by the
(date of the first acquisition of shares.
3                           Category Tax Information
NYou may also flag miscellaneous deposits, withdrawals, and balance adjustments
Lby category.  These items are listed individually by category and totaled in
Hthe tax summary.  This is useful for reporting foreign tax withheld, for
Nexample, as a tax credit item, or accrued interest on a bond purchased between
Minterest payment dates as tax deductible interest, or margin interest expense
as a tax deductible item.
LThe program will list data written in the memo section of the transaction in
Jthe tax summary, so you'll be able to see what the tax credit arises from.
MYou may enter up to 255 characters in the MEMO Panel by typing beyond the end
Jof the panel.  When you reach the end of the panel, the text will begin to
.scroll to the left allowing you to enter more.
LThe tax data shown here are based on general assumptions about tax status of
Jinvestments and may not apply to your situation.  Consult your tax adviser
for specific advice.
6                        Specific ID Sales Transactions
KThis window allows you to select lots to be sold using the SPECIFIC ID sale
Lmethod.  Warning - the Internal Revenue Service requires that you be able to
Kdocument that the shares you sold were in fact those specified.  You may do
Gthis by telling your broker which shares you wish to sell and obtaining
Jwritten confirmation that the shares you specified were sold.  Some mutual
Mfunds, however, do not maintain sufficient records to provide such documents.
MThe window shows you two panels of acquisition transactions for the asset you
Gintend to sell using the SPECIFIC ID method.  The upper panel shows the
Macquisitions along with current number of units owned and tax basis as of the
Hdate of the sale.  The units and cost values may be different from those
Iappearing on the original transaction (as shown by the SELECT TRANSACTION
Gcommand, for example), depending on whether you have sold some units or
Kwhether the tax basis of units you own has changed due to some other event.
MYou select the lots you wish to sell from the top panel by double clicking on
Mthem with the mouse or by highlighting them using the arrow keys and pressing
Ithe SPACEBAR.  When you do this, the item moves to the lower panel, which
Jshows the lots you have selected.  The program assumes that the shares are
Lsold in the order in which they are displayed in the lower panel.  If you do
Jnot select enough lots to cover the number of shares you wish to sell, the
Kprogram reduces the number sold, and the actual number sold is displayed in
Nthe transaction window.  If you select lots containing more than the requested
Jnumber of units, the program sells the requested number, starting with the
Lfirst lot in the list and working down the list until the required number of
units is sold.
MYou may "unselect" items from the lower panel by double clicking on them with
Lthe mouse or by using the SPACEBAR, just as you do to select them.  When you
Ido this, the item you selected moves back up to the upper panel.  It will
!appear at the bottom of the list.
LUse the TAB key to move from the upper list to the lower list.  You may also
Buse the mouse by clicking within the area occupied by either list.
4                           Withdrawals of Securities
AWhen you withdraw securities from an account (by requesting share
Icertificates, for example), if you have acquired more than one lot of the
Isecurity, you need to keep track of which shares you withdrew in order to
Kdetermine the tax basis of the remaining shares.  This window allows you to
:specify which shares are to be withdrawn from the account.
IThe upper panel shows the acquisitions along with current number of units
Iowned and tax basis as of the date of the withdrawal.  The units and cost
Hvalues may be different from those appearing on the original transaction
G(as shown by the SELECT TRANSACTION command, for example), depending on
Jwhether you have sold some units or whether the tax basis of units you own
Nhas changed due to some other event.  You select the lots you wish to withdraw
Bfrom the top panel by double clicking on them with the mouse or by
Khighlighting them using the arrow keys and pressing the SPACEBAR.  When you
Ido this, the item moves to the lower panel, which shows the lots you have
Lselected.  The program assumes that the shares are withdrawn in the order in
Nwhich they are displayed in the lower panel.  If you do not select enough lots
Nto cover the number of shares you wish to sell, the program reduces the number
Hsold, and the actual number sold is displayed in the transaction window.
JIf you select lots containing more than the requested number of units, the
Jprogram withdraws the requested number, starting with the first lot in the
Elist and working down the list until the required number of units are
withdrawn.
MYou may "unselect" items from the lower panel by double clicking on them with
Lthe mouse or by using the SPACEBAR, just as you do to select them.  When you
Ido this, the item you selected moves back up to the upper panel.  It will
!appear at the bottom of the list.
LUse the TAB key to move from the upper list to the lower list.  You may also
Buse the mouse by clicking within the area occupied by either list.
A               Specifying Lots for Return of Capital Transactions
LWhen you receive a distribution classified as return of capital, and you own
Imore than one lot of the security that paid the distribution, you have to
Nallocate the return of capital to each lot in order to determine the tax basis
Lof each lot.  This window allows you to specify the lots to which the return
Mof capital applies.  The program will then decrease the tax basis of each lot
Iyou specify by prorating the total return of capital in proportion to the
Lnumber of shares you own in each lot as of the date of the return of capital
distribution.
MThe window shows you two panels of acquisition transactions for the asset you
Nintend apply the return of capital to.  The upper panel shows the acquisitions
Lalong with current number of units owned and tax basis as of the date of the
Msale.  The units and cost values may be different from those appearing on the
Noriginal transaction (as shown by the SELECT TRANSACTION command, for example)
Idepending on whether you have sold some units or whether the tax basis of
2units you own has changed due to some other event.
KYou select the lots you want  from the top panel by double clicking on them
Lwith the mouse or by highlighting them using the arrow keys and pressing the
KSPACEBAR.  When you do this, the item moves to the lower panel, which shows
the lots you have selected.
MYou may "unselect" items from the lower panel by double clicking on them with
Lthe mouse or by using the SPACEBAR, just as you do to select them.  When you
Ido this, the item you selected moves back up to the upper panel.  It will
!appear at the bottom of the list.
LUse the TAB key to move from the upper list to the lower list.  You may also
Buse the mouse by clicking within the area occupied by either list.
HNormally if you have owned all your lots prior to the "ex-dividend" date
Jof the distribution, you should select all of your lots.  If, however, you
Ihave recently purchased new lots in a security paying a return of capital
Ldistribution, then you may not receive the distribution on the most recently
purchased lots.
NThe program will not allow the tax basis of any lot to be reduced to less than
Hzero, however.  If you specify a return of capital which would result in
Dreducing the tax basis of any lot you specify to less than zero, the
Hprogram will warn you and will reduce the return of capital distribution
Hamount to the maximum permitted value.  You must declare the rest of the
Ddistribution as a capital gain distribution in such a case.  See IRS
APublication 550, Investment Income and Expenses for more details.
F       Specifying Lots for Receipt of Original Issue Discount Interest
JWhen you receive interest on an OID instrument,  and you own more than one
Llot of the security that paid the distribution, you have to allocate the OID
Ito each lot in order to determine the tax basis of each lot.  This window
Jallows you to specify the lots to which the OID applies.  The program will
Jthen increase the tax basis of each lot you specify by prorating the total
Kreturn of capital in proportion to the number of shares you own in each lot
&as of the date of the OID transaction.
IThe window shows you two panels of acquisition transactions for the asset
Eyou intend apply the return of capital to.  The upper panel shows the
Iacquisitions along with current number of units owned and tax basis as of
Lthe date of the sale.  The units and cost values may be different from those
Iappearing on the original transaction (as shown by the SELECT TRANSACTION
Gcommand, for example), depending on whether you have sold some units or
Kwhether the tax basis of units you own has changed due to some other event.
KYou select the lots you want  from the top panel by double clicking on them
Hwith the mouse or by highlighting them using the arrow keys and pressing
Ithe SPACEBAR.  When you do this, the item moves to the lower panel, which
!shows the lots you have selected.
HYou may "unselect" items from the lower panel by double clicking on them
Mwith the mouse or by using the SPACEBAR, just as you do to select them.  When
Myou do this, the item you selected moves back up to the upper panel.  It will
!appear at the bottom of the list.
GUse the TAB key to move from the upper list to the lower list.  You may
Galso use the mouse by clicking within the area occupied by either list.
A             Specifying Lot to which Tax Basis Adjustment Applies
HWhen you make a tax basis adjustment to a security and you have acquired
Imore than one lot of the security, then you must specify the lot to which
Jthe basis adjustment applies.  This window allows you to select the lot to
/which you wish to apply a tax basis adjustment.
HThe window shows the acquisition transactions for the selected security.
KEach line shows the number of units owned and the tax basis of the security
Jat the time of the basis adjustment.  The transaction may appear different
Ehere from the original acquisition (seen using the SELECT TRANSACTION
Gcommand, for example) if you have sold shares or made other adjustments
Lto the basis since the acquisition.  In such cases the units and value shown
0may differ from the original acquisition values.
GYou select a transaction by double clicking on it with the mouse, or by
Hpressing the SPACEBAR when the item is highlighted.  You may also single
Lclick with the mouse then press ENTER or click the OK button with the mouse.
GWhen you select a lot, the tax basis of that lot will be changed by the
Jamount you specified in the VALUE panel of the transaction window.  If you
Lspecify a positive value, then the basis will be INCREASED by the amount you
Especify.  If you specify a negative value, then the tax basis will be
"DECREASED by the amount specified.
JUse the tax basis adjustment when you receive securities as gifts, or when
Kyou receive distributions of shares in a new company, or when the tax basis
Hmust be adjusted for some other event.  You do not need to use the basis
Ladjustment transaction for basis changes due to receipt of RETURN OF CAPITAL
Mdistributions or due to OID interest, since the program automatically adjusts
7the tax basis of the securities for these transactions.
;                    The Checking Account Transaction Window
EThis window allows you to enter transactions into a checking account.
LThe only types of transactions permitted are WITHDRAWALS, DEPOSITS, INTEREST
Mpayments on the account, and BALANCE ADJUSTMENTS.  The only asset the account
can own is CASH.
-                                Entering Data
FTo enter data, type the date, or use the CALENDAR to enter the date by
Lclicking with the mouse on the date you wish to enter.  Then tab to the next
Lpanel and enter the amount of the transaction.  If you are entering a check,
Dtype the number of the check in the CHECK # panel.  This number will
Kautomatically be increased by 1 each time you create a new blank check.  If
Gyou are not entering a check, then leave the number blank, or erase the
Lnumber in the panel using the DELETE key.  Then tab to the DESCRIPTION panel
<and enter the payee or other description of the transaction.
2                            Entering Category Data
CYou may also indicate a category for the transaction.  The category
Ginformation specified will appear on the tax report displayed under the
HTAX SUMMARY command found under the VIEW menu item.  To enter a category
Lfor a transaction, either type all or part of the category name in the panel
Imarked CATEGORY, or click on the arrow to display a list of categories to
Jchoose from.  Then choose the category with a double click of the mouse of
Ka single click followed by a click of the OK button.  The category name and
Iits associated tax status will then appear on the form.  Certain types of
Jtransactions will automatically be associated with tax status information.
NFor example, interest and dividends paid to you will automatically be included
Jin summaries of taxable income, so you do not have to assign a category to
Jthese items unless you want to change the normal treatment of these items.
HFor instance, if you receive tax exempt interest, you may want to mark a
@deposit of interest in your account as a tax exempt transaction.
1                           Saving the Transaction
Kyou have finished the transaction, press the ENTER key, or use the mouse to
Iclick the SAVE button to save the transaction. You may also press the NEW
Lbutton with the mouse to save the current transaction and create a new blank
Mform at the same time.  The key combination CTRL-ENTER will also create a new
@blank form while simultaneously saving the previous transaction.
8                      Scrolling Through the Transactions
LYou may scroll through the transactions either using the PgUp and PgDn keys,
Kor by using the mouse to click the NEXT and PREVIOUS buttons.  You may mark
La transaction cleared, as when reconciling your bank statement, by using the
Lmouse to click the CLEAR button.  If you accidentally clear a check, you may
.unclear it by pressing the CLEAR button again.
.                              Erasing the Form
JIf you enter data over existing data and wish to erase the new data before
Hpressing the SAVE button, you may press the ESCape key to delete the new
Eentries and redisplay the old data.  Once you save the data, however,
6pressing the ESC key will not bring back the old data.
/                             Closing the Window
JWhen you finish with the transaction window, CLOSE it by clicking with the
Kmouse on the CLOSE ICON in the upper left corner of the window, or by using
9the CLOSE WINDOW command found under the OTHER menu item.
1                        Shortcut Key Combinations
KThe checking account transaction window allows several shortcut keystrokes.
These are:
;  PgUp       - to scroll backward through the transactions.
:  PgDn       - to scroll forward through the transactions.
?  Ctrl-PgUp  - to display the first transaction in the account.
>  Ctrl-PgDn  - to display the last transaction in the account.
;  Enter      - to save the currently displayed transaction.
J  Ctrl-Enter - to save the current transaction and create a new blank one.
=  Ctrl-Del   - to delete the currently displayed transaction.
B  Esc        - to erase changes that have been made in the current
)               transaction before saving.
FThe transaction types you can use in this window are summarized below:
GWithdrawal - Use this to record a withdrawal of funds from the account.
I             You may mark the withdrawal as a tax deductible item or as a
M             tax credit item to note that the payment either a tax deductible
*             expense or a tax credit item.
JDeposit    - Use this to record deposits of funds to the account.  You may
3             mark the deposit as taxable income to.
KInterest   - Use this to record interest paid to the account.  You may mark
J             the transaction as tax exempt if the interest you received is
             exempt from taxes.
FBalance Adjustment - Use this to record adjustments in your balance to
J             reconcile an error you cannot find, or to enter miscellaneous
J             income and expenses.  Enter a positive value for income and a
K             negative value for expenses.  You may mark the transaction tax
J             status as normal, in which case, there is no tax consequence;
K             tax deduction if the item represents a tax deductible expense;
I             or tax credit if the item is an expense qualifying for a tax
             credit;
JThe category you select may be one you define yourself, or one of the five
&predefined tax categories listed here:
KNormal - This status is the default, and assumes normal tax treatment.  For
N    example, dividends are assumed taxable as long as the account is a taxable
    account, etc.
ITax Deduct - This can be used with withdrawals and balance adjustments to
M     signify that the amount withdrawn is deductible from taxes.  This status
>     can only be used for withdrawals and balance adjustments.
ITax Credit - This can be used with withdrawals and balance adjustments to
M     signify that the amount withdrawn can be credited against tax liability.
H     This status can only be used with withdrawal and balance adjustment
     transactions.
ITax Income - This status, which can only be used with deposit and balance
L     adjustment transactions, signifies that the amount deposited represents
N     taxable income.  It can be used for miscellaneous income provided to your
     account.
NTax Exempt - This status signifies that the income received in the transaction
N     is exempt from taxation.  This status is allowed for interest, dividends,
3     capital gains distributions, and OID interest.
3                          Include Checking Accounts
NThis item allows you to either include or exclude checking accounts from total
Ninvestment account summaries and plots.  Specifically, if you do not check the
MINCLUDE box under this item, the OVERALL SUMMARY and the TOTAL WORTH commands
Munder the VIEW menu item will not include any checking accounts you may have.
JAlso, the PLOT TOTAL WORTH command found under the PLOT menu item will not
Iinclude checking accounts.  By default, if you do not change it, checking
-accounts are not included in these summaries.
NTo include checking accounts in these summaries, click on the INCLUDE box with
Mthe mouse.  An X will appear between the brackets indicating that the program
Nwill include checking accounts.  You may also activate this item by typing the
Lletter I, or by highlighting the checkbox using the TAB key and pressing the
ISPACEBAR when it is highlighted.  To exclude checking accounts just click
again on the check box.
3                          Include Checking Accounts
NThis item allows you to either include or exclude checking accounts from total
Ninvestment account summaries and plots.  Specifically, if you do not check the
MINCLUDE box under this item, the OVERALL SUMMARY and the TOTAL WORTH commands
Munder the VIEW menu item will not include any checking accounts you may have.
MAlso, the PLOT TOTAL ACCOUNTS command found under the PLOT menu item will not
Iinclude checking accounts.  By default, if you do not change it, checking
-accounts are not included in these summaries.
2                          Checking Account Summary
LThis command shows you a summary of your checking account over the specified
Jperiod.  The summary shows the beginning balance as of the end of business
Jon the first day of the period, the interest earned on your cash balances,
Lthe cash deposits and withdrawals starting on the day after the first day up
Lthrough the ending day of the period, any balance adjustments you have made,
Mand the annualized internal rate of return on your account during the period.
JEstimated yield is based on the CASH YIELD you specify when you create the
Iaccount.  You can change it by editing the account using the EDIT ACCOUNT
'command found under the EDIT menu item.
KThe period for the summary is set using the DEFAULT REPORTING DATES command
"found under the DEFAULT menu item.
8                     Select Checking Account Transaction
KUse this window to select a transaction from the currently selected account
Gor to view the transactions existing in the currently selected account.
KTo select a transaction, move the highlight bar to the desired transaction.
HYou may use the UP and DOWN ARROW keys and PAGE UP and PAGE DOWN keys to
Kscroll up and down through the list.  You may also use the mouse to operate
Hthe SCROLLBAR found on the right side of the window.  To select an item,
Leither press the SPACEBAR or double click with the mouse button on the item.
NYou may also select an item by clicking on it once with the mouse and pressing
NENTER or clicking on the OK button.  You may close the window without changing
2the current selections by pressing the ESCape key.
KUse the mouse to press the EXPORT button or type the letter E to export the
Hdata shown in this window to a file.  You will be asked to supply a file
Hname.  The file will be an ASCII file that looks similar to the display.
HUse the CLEAR button to mark a transaction cleared when reconciling your
Jchecking account.  When you do this, an X will appear between the brackets
Con the display of the highlighted transaction.  You may "unclear" a
/transaction by pressing the CLEAR button again.
4                          Set Default Holding Period
JThis command allows you to change the holding period for long term capital
Ngain tax treatment.  By default the value is 1 year in accord with current tax
4                          Set Default Holding Period
NEnter the holding period for long term capital gain tax treatment in the input
Mpanel in years, then press ENTER or use the mouse to click the OK button.  If
Lyou change you mind, you may press the ESCape key or click with the mouse on
the CANCEL button.
5                        Set the Default Plot Interval
IEnter the desired plot interval in days in the input panel.  By default a
Nvalue of 7 days is used.  This value is used when computing account values for
Hplotting or displaying.  The value is computed for the default reporting
Iperiod, beginning with the later of the reporting period beginning or the
Maccount VALID DATE, and ending with the default reporting period end.  If you
Ghave not specified a reporting period or have deactivated the reporting
Kperiod, the current calendar quarter is used.  Accounts values are computed
Eduring the reporting period at the interval specified in this window.
1                            Tax Basis Information
JThis window shows you detailed information on the tax basis of an asset in
Myour portfolio as of the ending date of the reporting period specified in the
JDEFAULT REPORTING PERIOD command under the DEFAULT menu item.  If you have
Lnot selected a reporting period, the current date is used.  The window shows
Nfor each acquisition the date of the acquisition (or opening transaction for a
Ishort sale), the type of transaction by which the asset was acquired, the
Inumber of units acquired, the name of the asset, and the tax basis of the
Nasset.  The information shown here may differ from what is shown by the SELECT
MTRANSACTIONS command because of possible tax basis adjustments you have made,
Mreturn of capital distributions, OID interest accruals on the asset, or prior
Nsales of assets using average basis formulas for the tax basis.  The tax basis
Nfor any short positions will be shown as negative numbers, reflecting the fact
Gthat income was received in the initial opening short sale transaction.
MYou can also export the data shown here to a file by using the mouse to press
Jthe EXPORT button.  This command can be activated by pressing the letter E
Ialso.  The format for export is selected using the DEFAULT FORMAT command
under the DEFAULT menu item.
2                            General Hints and Help
JThese commands give you some hints on how to use this program.  They cover
Kgeneral topics on setting up accounts and assets, viewing asset and account
Jdata and performance, updating asset prices, figuring tax basis of assets,
Lplotting graphs of asset price and account values, and how to get more help.
0                             Creating an Account
KAccounts, as used in the program, are simply sets of transactions involving
Lassets.  You can set up accounts in any way that is convenient for you.  The
Iprogram will compute performance for accounts, individual assets owned by
Kaccounts, and for the total of all accounts, so you don't have to set up an
Kaccount just to get performance analysis.  You may own several mutual funds
Lin one family.  If you like, you can set this family up as a single account.
HYou may also set it up as individual accounts if you prefer.  If you own
Mboth a mutual fund and a money market fund in the same family, you may prefer
Kto set up a single account for this.  In general, the easiest way to set up
Iaccounts is to set up one account for each individual account you receive
Ga statement for.  In this way, when you enter the transactions for each
6account, you will have to refer to only one statement.
KYou begin using the program by creating an account.  Use the CREATE menubar
Jitem to do this.  When you activate this (either by pressing F10 and using
Ithe arrow keys to move the highlighted cursor to CREATE and then pressing
NENTER or the DOWN ARROW, or by using the mouse), another menu box will pop up.
JEither use the arrows to highlight ACCOUNT and press ENTER or position the
Mmouse cursor on ACCOUNT and click the mouse button.  A DIALOG BOX will appear
Hasking for information on the account.  Enter the information requested.
4You may press F1 for detailed help on what to enter.
JOnce you have created an account, you will notice that the name of the new
Jaccount is highlighted in the current selections box.  You should also see
Mthat the asset listed in the box is Cash, because when you create an account,
Ka cash asset is automatically created.  You cannot edit the cash asset.  It
His used by all accounts.  You can view the cash asset by selecting ASSET
IPRICES.  Do this by highlighting the SELECT menu item then choosing ASSET
GPRICES.  A window will appear showing a single value for cash of 1.000.
@               How to Enter Account Data for an Existing Account
JIf you have an existing investment account that you wish to enter into TRX
Jwhen you begin to use the program, you have two choices on how to proceed.
DYou may go back through all your account statements and record every
Itransaction that ever occurred in the account up to the present.  This is
Lfeasible if the account is not too old, and it has the advantage of allowing
Iyou to analyze account performance for the entire period during which the
Laccount has existed.  You must also create assets for each security you have
Iowned in the account, and you must enter prices for that period.  You can
Iusually get the monthly closing prices from your account statements.  The
Kdisadvantage of this approach is that it may be time consuming, and doesn't
0really help you much in planning for the future.
IA simpler way to start is to enter all transactions for the current year.
GCreate assets for each asset you owned as of the beginning of the year,
Kand enter prices for each starting with the last day of the preceding year.
KThen, enter purchase data for all securities that you owned as of the first
Eof the year.  Enter these purchases exactly as they occurred with the
Kcorrect purchase dates and cost.  Then, set the reporting dates so that the
Jending date is the last day of the preceding year and mark the checkbox so
Eas to use the default report dates (you will find this item under the
HDEFAULT menu item in REPORT DATES).  The beginning date of the reporting
Kperiod should be at date prior to the last day of the preceding year.  Then
Mview the account summary (under the VIEW menu item activate ACCOUNT SUMMARY).
HIf the final report date shown on the summary is not the last day of the
Lpreceding year, it is probably because you set the account's VALID DATE to a
Llater date.  If so, activate the EDIT menu item and choose ACCOUNT to change
Jthe account VALID DATE to the beginning date, then run the account summary
Iagain.  The ending value of the account should show a cash deficit.  This
Kis because when you purchase a security, the cash for the purchase is taken
Jfrom the cash in the account, even if there isn't any cash there.  Compare
Ithe cash balance with your year end statement, and enter a deposit on the
Elast day of the preceding year for the amount required to make up the
Idifference.  If you generate another account summary, the balances should
1all be in agreement with your year end statement.
:                     Setting the VALID DATE for an Account
MIn creating an account, you must specify the VALID DATE for the account.  The
NVALID DATE is used by the program to insure that only valid data are displayed
Gwhen you request data about your account.  The program assumes that any
Ktransactions entered in the account prior to the VALID DATE are phony, and,
Lconsequently, it will not compute values or account performance data for any
Nperiod prior to this date.  When you ask for information on all your accounts,
Jthe program checks the valid dates of each account, and it uses the LATEST
NVALID DATE to determine when it can generate correct information on the sum of
Mall your accounts.  Therefore, you should set the VALID DATE of an account as
Gearly as you possibly can.  Here is an example:  Two accounts exist - a
Mmutual fund account XYZ Fund, and a brokerage account, ZBest Securities.  The
Lvalid date of XYZ Fund is 12/31/93, and the valid date of ZBest is 12/31/90.
NBecause of this, performance data on XYZ Fund can be obtained only for periods
Nfrom 12/31/93 and later.  Similarly, performance data on ZBest can be obtained
Honly for periods from 12/31/90 and later.  Performance data on the total
Mportfolio in both accounts can be obtained only for periods from 12/31/93 and
Klater, the later of the two valid dates.  If account XZY Fund was opened on
L12/31/93, then the valid date for the account could be set back to 12/31/90,
Hbecause there would be no invalid transactions in the account after that
Mdate, since there were no transactions in the account prior to its opening on
C12/31/93.  If the valid date of XYZ were set back to 12/31/90, then
Iperformance data could be generated on the total portfolio for any period
Nfrom 12/31/90 on, since both accounts have valid dates on or earlier than this
date.
;                  Importing an Account from Another Program
KYou can also import data from another program to build your account.  To do
Nthis, first create an account using the CREATE ACCOUNT command found under the
HCREATE menu item.  Then, using the program you wish to import data from,
Iexport the account data.  Be sure to export only the transactions for the
Iaccount, and not the categories and other data.   In addition, export the
Kprices for each of the assets in the account.  You can export the prices in
Hmost programs either by using an export command or a print command while
Hviewing the price data.  When exporting the prices, most programs do not
Iexport the security symbol, so you must select the asset corresponding to
>the security you wish to import prior to importing the prices.
KNext, start TRX, and use the FILE IMPORT TRANSACTIONS command to import the
Ltransactions into the selected account.  Next, create assets for each of the
Ksecurities in the account, and after you create each one, import the prices
Jusing the FILE IMPORT ASSET VALUES command.  If there are errors reported,
Mcheck the appearance of the file you are importing by using the DOS editor or
Ksome other editor, and compare it to the valid formats listed in the online
Nhelp for TRX by highlighting the FILE IMPORT ASSET VALUES command and pressing
Nthe F1 key.  If the file format is not a valid format, you may have to go back
Kto the other program and export the data again, or, if the program does not
Jsupport a valid format, you may have to edit the file using a text editor.
/                              Creating an Asset
GYou create an asset by using the CREATE menu item, then choosing ASSET.
HA dialog box will appear requesting information on the asset you wish to
Lcreate.  You must create any asset you wish to enter on a transaction before
Hsaving the transaction.  You can get help on the details of entering the
Cinformation in the create asset dialog box by pressing F1 for help.
1                             Viewing Account Data
KThis program offers several ways to view your account performance and data.
LAll of the commands are found under the VIEW menu item across the top of the
Lscreen.  The ACCOUNT SUMMARY shows you a summary of account performance over
Kthe reporting period specified in the DEFAULT REPORTING DATES command.  You
Lcan set these dates.  If you do not, the period used is the current calendar
quarter up to the current date.
MThe ACCOUNT PORTFOLIO shows you the assets you have in your account as of the
Lend of the last day of the reporting period.  When you use this command, you
Lwill be able to obtain a performance summary, similar to the account summary
Kfor each asset you own.  You can also obtain detailed information about the
 tax basis of the assets you own.
NThe ACCOUNT VALUES command shows you a list of values with associated dates of
Lyour account.  These values are shown for the DEFAULT PLOTTING PERIOD, which
.is also specified under the DEFAULT menu item.
NThe TRANSACTIONS command lists the transactions in your account.  You can also
Hfind this command under the SELECT menu item.  It allows you to select a
Jtransaction.  The selected transaction will be shown when you bring up the
<Transaction UPDATE WINDOW, found under the UPDATE menu item.
MThe OVERALL SUMMARY command gives a performance summary for all your accounts
Ntotaled together.  It normally excludes checking accounts, but you can include
;them by checking the box found under the DEFAULT menu item.
JThe TOTAL WORTH command lists total values of all your accounts, excluding
Lchecking accounts.  As above, you can include checking accounts if you like.
JThe TAX SUMMARY command lists a summary of taxable income, deductions, and
Mcredits from all of your taxable accounts.  The period for which the data are
2listed is the reporting period as specified above.
NThe TRANSACTION LIST command shows you a list of transactions generated from a
Jsearch of your transactions.  Use the LIST SEARCH command, found under the
JLIST menu item to search for transactions satisfying criteria you specify.
1                               Viewing Asset Data
JYou may view asset data using the VIEW menu item.  The ASSET PRICE command
Kdisplays a list of prices of the selected asset together with corresponding
dates.
KThe ASSET INFORMATION command displays prices as of the DEFAULT DATE, along
Kwith earnings and dividend per share data for stocks, and coupon rate, face
#value, and maturity date for bonds.
KThe ASSET SUMMARY command displays all of the assets along with information
Mon yield, earnings, growth rates, and various ratios.  You can sort this list
in several ways.
NThe ASSET ALLOCATION commands allow you to see how your portfolio is allocated
Kamong different asset classes.  You can define the classes using the CREATE
LASSET CLASSES command, found under the CREATE menu item.  You can define two
asset classes for each asset.
.                               Entering Prices
KThere are two ways to enter asset prices.  You may enter them by hand using
Lthe UPDATE PRICE window.  Open this window by using the UPDATE menu item and
Lselecting ASSET PRICES.  In this window you create a blank form for entering
Kprice by using the mouse to click the NEW button, or by pressing CTRL-ENTER
J(hold down the CTRL key and press the ENTER key).  Then type the data into
the panels.
JYou can also enter prices automatically using the FILE IMPORT ASSET VALUES
Mcommand found under the FILE menu item.  This command allows you to read data
Nfrom a file containing asset prices into the program.  For details on the file
Lformat required to do this, press the F10 key, highlight the FILE menu item,
Gpress ENTER, and using the arrow keys highlight the IMPORT ASSET VALUES
.command and press the F1 key for further help.
3                            Figuring your Tax Basis
LTax basis is a complicated issue, and, although this program goes a long way
Mtoward simplifying it, there are so many individual variations possible, that
Lyou cannot consider the tax basis computed by this program to be reliable in
Lall cases.  Internal Revenue Service Publication 551, BASIS OF ASSETS, gives
@details in specific cases of how to compute tax basis of assets.
LThe general principle used in this program is that the tax basis of an asset
Kis the cost of acquiring the asset, including any fees and commissions that
Lwere paid to acquire the asset.  There are, however, several reasons the tax
Ibasis of an asset may differ from the cost.  Some of these are summarized
below.
KThe program makes the following assumptions on tax basis of assets you own:
KPurchases - The tax basis of purchased securities is taken to be to cost of
K     the securities.  This is the value you enter in the VALUE panel of the
     purchase transaction.
MReinvested Dividends and Capital Gains - The tax basis of securities acquired
K     by reinvestment of dividend and capital gain distributions is taken to
L     be the value of the distribution.  You enter this in the VALUE panel of
+     a reinvested distribution transaction.
GReturn of Capital - The tax basis of an asset that pays you a return of
L     capital distribution is reduced by the amount of the return of capital.
IOID accrual - When you hold an Original Issue Discount instrument (a zero
L     coupon bond, for example), the tax basis of the instrument is increased
+     by the amount of OID interest accrued.
MTax Basis Adjustment - The tax basis of an asset for which you have entered a
K     tax basis adjustment is adjusted by the amount of the adjustment.  The
N     adjustment is entered into the VALUE panel of the transaction, and it may
M     be positive or negative.  A positive adjustment increases the tax basis,
,     and a negative adjustment decreases it.
LSale - The tax basis of sold shares is determined by the above rules, and by
L    the method you choose to sell the shares, if you have acquired more than
J    one lot.  By default, the shares you own of an asset are assumed to be
M    sold FIFO (First In First Out).  This means that the shares you have held
N    the longest are sold first.  You have several options, however, on how you
J    compute the basis in the sold shares.  The tax basis of the shares you
M    still have in an asset after selling some shares is simply the difference
M    between the basis in the shares before the sale and the basis of the sold
    shares.
KShort Sales - A short sale, which refers to the sale of an asset you do not
L    own, does not, by itself, imply any tax obligation.  But ultimately, all
I    short positions must be closed, and the closing transaction implies a
N    capital gains tax liability.  A typical set of transactions consists of an
M    initial short sale in which the seller receives the proceeds of the sale.
N    The short position is then closed, usually by a purchase transaction.  The
M    capital gain on the transaction is equal to the initial proceeds received
K    in the short sale less the cost of closing the short position.  The tax
J    basis of a short position is taken to be a negative value equal to the
H    proceeds received in the initial short sale.  In this program, short
L    positions are closed using a purchase transaction, and you will be asked
N    which short positions to close, much as in a specific identification sale.
IYou can see what the tax basis of any of your assets is by using the VIEW
KACCOUNT PORTFOLIO command, found under the VIEW menu item.  When you select
Mthis command, your portfolio, as of the last day of the DEFAULT REPORT PERIOD
Gwill be shown.  You can get additional data on tax basis of any of your
Lholdings by selecting the TAX BASIS command in this window.  The window also
Hhas a SUMMARY command, which gives a performance summary for each of the
assets in your account.
MHere is a list of some common rules on tax basis for various kinds of assets:
Gifts:
I     if you receive a security as a gift, then generally the tax basis of
F     the security is the cost to the giver, and the holding period for
F     capital gain tax purposes is the period starting from the giver's
G     acquisition of the security.  If, however, the market value of the
G     security on the day the gift is made is below the original cost to
L     the giver, then this market value becomes the tax basis.  To enter data
L     for securities received as a gift, enter a DEPOSIT of the securities on
M     the date received.  Enter the market value of the securities on the date
J     received as the VALUE, and enter the number of shares or units in the
L     UNITS panel.  Then, on the following date, enter a tax basis adjustment
L     to change the tax basis to the basis of the gift.  For example, if your
M     uncle left you 100 shares of XYZ Corp., for which he paid $1000, and the
K     market value of the shares on the date of the gift was $2000, then you
L     would enter a basis adjustment of $-1000 to reduce the tax basis of the
L     deposited shares.  If, on the other hand, your uncle had paid $3000 for
K     the shares, you would not need to make a basis adjustment, because the
G     fair market value of the gift is less than the giver's cost basis.
K     When you make these adjustments, the tax summary command will show the
L     correct capital gain when you sell the shares, but it probably will not
J     show the correct acquisition date to use for tax purposes, since your
K     holding period would be determined from the combined holding period of
H     your uncle and you.  The TAX SUMMARY display will warn you when tax
K     information shown is potentially incorrect due to the acquisition date
     required by the tax code.
Inherited Property:
K     The tax basis of inherited securities is generally the market value on
G     the day the owner died, or the date specified for valuation of the
G     decedent's estate.  To enter inherited securities, enter a deposit
L     transaction on the date of death (or the date used for estate valuation
I     if it is different).  List the market value of the securities in the
K     VALUE panel and include the number of shares or units.   The tax basis
K     will be taken to be the value you assigned on the date the deposit was
     made.
Mutual Fund Shares:
I     The tax basis of mutual fund shares is the cost, in general, but you
G     must include the cost of reinvested dividends and capital gains in
H     your cost basis.  If you don't, you'll end up paying more in taxes.
I     This program will automatically include these items in the tax basis
     of your fund shares.
REITs:
L     REITs, or Real Estate Investment Trusts, are required by tax law to pay
I     95% of their income out to shareholders, and they are not subject to
K     income tax.  Instead, the shareholders pay taxes on their share of the
I     REIT income.  However, because real estate has generous depreciation
K     allowances, a REIT may actually pay to its shareholders cash dividends
K     in excess of the REITs income.  Any amounts paid above the REIT income
I     are treated as a RETURN OF CAPITAL distribution for tax purposes and
L     are not subject to income tax.  However, you must reduce your tax basis
K     in the REIT by the amount of the return of capital distribution.  This
L     program will automatically do this for you when you specify a return of
/     capital distribution for an asset you own.
Limited Partnerships:
M     These, like REITs, often pay nontaxable return of capital distributions.
O     The income you receive from a limited partnership may consist of interest,
M     dividends, capital gains, and return of capital, depending on the nature
M     of the business in which the partnership operates.  You should receive a
K     tax form K-1 from your partnership detailing a breakdown of the income
J     paid to you for tax purposes.  Tax treatment of the return of capital
)     portion is similar to that of REITs.
Zero Coupon Bonds:
L     When you own a zero coupon bond or similar debt instrument, no interest
N     is paid to you until the bond matures, but, for tax purposes, the bond is
K     like any other, with interest accruing daily, which you must report as
N     taxable income.  The bond issuer will normally send you IRS Form 1099-OID
M     listing OID (Original Issue Discount) interest paid to you.  However, in
L     most cases, the figure reported to you will not be directly applicable,
K     because the issuer has no idea what you paid for the bond, or when you
N     purchased it, and the reported values  assume that you bought the bond at
N     original issue.  If you did not buy the bond at issue, then you will have
N     to  adjust the interest reported to you on Form 1099-OID.  The adjustment
N     required is generally twofold:  first, you need to adjust the interest up
M     or down so that the total OID you report plus the price you paid for the
N     bond add up to the face value of the bond if you hold it to maturity.  In
L     this way, the  total interest payments you will report for tax purposes
K     will be equal to the increase in the value of your bond if you hold it
M     until maturity.  To make this adjustment, you must get a schedule of OID
I     payments from the issuer or from the IRS.  The tax basis of the bond
L     increases continuously by the amount of OID interest accrual.  When you
N     enter a transactions for OID interest, the program automatically adds the
M     OID to the tax basis of the bond.  The other adjustment you need to make
J     is for the length of time you have held the bond if it is less than a
N     year.  This is done by prorating the OID (after adjustment for your cost)
,     over the period you have held the bond.
L     If you bought the bond at "market discount", meaning the original price
J     of the bond plus the accrued OID interest on the bond at the original
N     rate was greater than your cost of the bond, you have several choices, in
K     general.  You can elect to treat the "discount" as part of the OID, as
N     described above, in which case, if you sell the bond, the capital gain or
L     loss will be the difference between the sale price and the tax basis in
M     the bond as computed by the program.  You may also choose to not include
I     the market discount as part of the OID, but rather accrue the market
N     discount over the remaining life of the bond.  If you then dispose of the
I     bond, the gain over the tax basis of the bond is treated as ordinary
K     income to the extent of the accrued discount.  The rest of the gain is
L     a capital gain.  To enter this type of transaction, on the day you sell
L     the bond, prior to entering the sale, enter a capital gain distribution
L     for the bond with a value equal to the negative of the part of the gain
N     considered as market discount.  Use a long or short gain corresponding to
K     the holding period of the bond.  Then enter an interest payment on the
L     bond in the same amount, but as a positive payment.  Finally record the
M     sale at the market price.  In this way, the taxable income from the bond
N     sale will be correct, when all three transactions are taken into account.
M     The details of tax treatment of OID debt instruments is complicated, has
J     changed over the last few years, and depends on the issue date of the
L     bond in question, so you should consult your tax adviser for additional
L     information.  The Internal Revenue Service publishes two documents that
K     might be of help here.  IRS Publication 551, entitled BASIS OF ASSETS,
G     explains details of computing the tax basis of assets you own, and
N     Publication 1212, LIST OF ORIGINAL DISCOUNT INSTRUMENTS, gives details on
'     computing tax basis of OID assets.
Regular Bonds:
K     When you buy a bond between interest payments, a part of your purchase
K     price is a payment to the seller for interest that belongs to him, but
F     has not yet been paid to him.  This amount is calculated from the
N     interest rate and the number of days from the last interest payment.  The
G     tax basis of the bond does not include the amount paid for accrued
M     interest.  If you buy a bond at a price below the initial offering price
J     (This is called buying a bond at "market discount"), then current IRS
N     rules require you to treat part of any capital appreciation when you sell
A     the bond as interest.  See IRS Publication 1212 for details.
'Shares of Stock from Tax Free Spinoffs:
M     Companies occasionally distribute stock in subsidiary companies to their
J     shareholders, and usually transactions of this type are tax free.  In
J     this type of transaction, your tax basis in the shares of the company
N     making the distribution must be allocated between the old company and the
N     new spinoff.  Usually this allocation is done on the basis of the trading
M     price of the shares of the two companies on the day of the distribution.
?     In such a case you can record this transaction as follows:
+     1) Create an asset for the new shares.
L     2) Enter a DEPOSIT transaction in the account into which the new shares
K        will appear.  Enter the name of the new company, for which you have
K        just created an asset, in the ASSET panel.  Use 0 for the value and
I        enter the number of new shares you will receive.  Call the latter
        number New_Shares.
H     3) Find the tax basis of the shares of the company paying the stock
C        distribution.  You can find this information by viewing the
F        portfolio and using the TAX BASIS command when the name of the
;        company is highlighted.  Call this basis Old_Basis.
F     4) Find the price of the old and new companies on the date of the
K        distribution.  Usually the company will tell you what the date in a
F        letter to shareholders.  Call the old and new prices per share
         Old_Price and New_Price.
J     5) Figure the tax basis adjustment required by the following formula:
>              Adjustment = Old_Basis X New_Shares X New_Price/
>             (Old_Shares X Old_Price + New_Shares X New_Price)
H       In this formula Old_Shares represents the number of shares in the
       old company you own.
M     6) Make a Tax Basis Adjustment transaction on the shares of the original
L        company to REDUCE the basis by the amount of the adjustment computed
L        above.  Enter the above adjustment as a NEGATIVE number in the VALUE
(        panel of the transaction window.
H     7) Make a Tax Basis Adjustment transaction on the shares of the new
K        company to increase the basis by the amount of the adjustment shown
L        above.  Enter the above adjustment as a POSITIVE number in the VALUE
(        panel of the transaction window.
N     Once you have completed these transactions, your account will reflect the
G     fact that you received the new shares at no cost to you (since you
H     entered a deposit transaction with a 0 for the value), and that the
M     tax basis in the new shares is the adjustment computed above.  Since you
M     reduced the tax basis of the company making the distribution by the same
L     amount, your total tax basis in the two companies is the same as it was
E     in the shares of the original company prior to the distribution.
N     Like gifts, shares received in tax-free spinoffs usually also inherit the
L     acquisition date of the original shares.  You will see a warning on the
N     TAX SUMMARY window if you sell shares acquired in a tax-free spinoff that
.     tells you that the date may be incorrect.
Like Kind Exchanges
E     These occur when, for example, the stock you own in a company is
K     purchased by another company for stock rather than cash.  Typically in
J     such a transaction you receive a certain number of shares of stock in
J     the buyer company for each share you hold in the bought company.  You
M     also often receive cash for any "fractional shares".  To enter this type
&     of transaction, do the following:
L     1)  Make a withdrawal transaction on the effective date of the exchange
I         for all your holdings in the old stock with a value equal to the
.         total market value of the old shares.
J     2)  Make a deposit transaction for the total number of new shares you
J         are eligible to receive as a result of the exchange.  This number
N         may differ from the number of shares you actually receive, because it
M         should include any fractional shares to which you are entitled under
L         the exchange formula.  So, for example, if the exchange is based on
M         receiving 3.525 shares in the new company for each share you hold in
J         the old one, and you hold 100 old shares, then you should use the
K         number 352.5 = 3.525 x 100 as the number of units to deposit.  You
L         should also use as the value of the new shares, the market value of
;         a share on the effective date of exchange x 352.5.
L     3)  Enter a tax basis adjustment transaction to change the tax basis of
K         your new shares back to the basis you had in your old shares.  So,
M         in the above example, if your tax basis was $2000 ($20 per share) in
J         your old shares, and the value of the new shares is $10, when you
L         deposit the 352.5 new shares, the program will assume the tax basis
M         is $10 x 352.5 = $3525.  So, you must adjust this downward by $1525.
N         To do this, enter a tax basis adjustment transaction on the effective
J         date of the exchange for all of the 352.5 shares in the amount of
         -1525.
J     4)  Finally, enter a sale transaction for any fractional share at the
J         market value.  In this example, the sale value would be $10 x 0.5
J         = $5 for 0.5 share.  Now the tax basis of your new shares will be
H         correct, and the sale of your fractional share will be recorded
G         correctly, and your tax liability will be less than if you had
1         treated the cash received as a dividend.
K         Like gifts, shares received in like-kind exchanges usually inherit
N         the acquisition date of the original shares.  If you sell such shares
K         the TAX SUMMARY window will display a warning that the acquisition
9         date listed may not be correct for tax purposes.
Short Positions
K     The program computes the tax basis of a short position as the negative
J     of the proceeds received in the short sale(s) which created the short
H     position.  If you have both a long and a short position in the same
K     security, the program will compute your total basis by adding the long
I     position and short position bases.  You may have a net position of 0
L     shares of a security, but still have a nonzero tax basis.  For example,
J     if you bought 100 shares of XYZ Corp. at $10 per share, and it is now
M     worth $50 per share, and you sell short 100 shares at $50, you will have
N     a net position of 0 shares.  But your net tax basis will be $1000 - $5000
     = - $4000.
.                                Viewing Graphs
KThis program allows you to view graphs of asset prices, account values, and
Jthe total value of all your accounts.  You may exclude or include checking
Iaccounts in the total.  Use the PLOT menu item to generate a graph on the
Lscreen.  You can specify the date interval over which the plot should extend
Musing the DEFAULT PLOT DATES menu item.  The program will automatically scale
Lthe y-axis of the plot to show all of the data on a reasonable scale, but if
Gif you prefer, you may set the scale manually by using the PLOT MIN/MAX
*command found under the DEFAULT menu item.
MGraphs of asset prices are automatically adjusted for stock splits.  The last
Ndata in the range to be plotted are taken as the base values, and earlier data
Jare adjusted for any splits.  This means that if you plot historical price
Jdata for a stock over, say, several years to the present, the current data
Nwill reflect the current price of the stock, and earlier data will be adjusted
Ifor any splits.  In order for this to work properly, you must enter stock
Msplits in the UPDATE ASSET PRICE window.  If you own the stock in an account,
Byou also need to enter the split in a transaction in that account.
KThe PLOT commands will display graphs only when there is more than one data
Jpoint available to plot.  If there is only one point or no point, no graph
will be displayed.
LAfter you finish viewing a graph, press any key to return to the program, or
Kuse the mouse to press the EXIT button in the lower left hand corner of the
/graph (if you have a VGA or EGA graphics card).
/                              Getting More Help
LYou can get detailed help on any command listed in the menu by using the F10
Mkey to highlight the menu, then using the arrow keys to highlight the item on
Kwhich you need help.  Once you have highlighted it, press the F1 key to get
Nhelp.  The help system is context-sensitive, so when you press F1, help on the
/item you are currently using will be displayed.
KYou can also get explanations of some error messages by pressing the F1 key
Nwhen an error message appears on the screen.  Not all error messages have help
5text, but the ones most likely to cause confusion do.
-                                Setting Dates
KIn using this program, you will have to set date ranges for viewing account
Jdata, and you will have to enter dates into transactions and price quotes.
NAll date ranges for displaying account and asset performance are set using the
MDEFAULT menu item.  You may set the REPORTING DATES, which are used to report
Kaccount and asset performance.  you may also set PLOT DATES, which are used
Gwhen plotting graphs of asset and account values.  You may also set the
IDEFAULT DATE, which is the date automatically entered on transactions and
>asset prices when you create a new transaction or price entry.
MWhen you enter a date on a transaction, you can either type the date into the
Mdate panel manually, or, you may use the CALENDAR, found under the OTHER menu
Kitem, to enter dates into transactions and price quotes.  When the calendar
?is displayed, by clicking with the mouse on a date shown on the
Hcalendar, that date will automatically be transferred to the transaction
Fwindow or the price update window, if either is present on the screen.
-                                  The Menubar
JThe MENUBAR, located across the top of the screen can be accessed by using
Lthe F10 key.  When you press F10, one of the menu items becomes highlighted.
LYou can highlight other items by using the arrow keys to move either left or
Fright.  On most menu items you can use the down arrow key to highlight
Jfurther items on a drop-down menu.  Pressing the ENTER key also causes the
Mpop-up menu to appear.  You can also activate the menu items using the mouse.
JJust position the mouse cursor on an item and click the button.  This will
Kcause the drop-down menu to appear.  You can then either use the arrow keys
Gto highlight an item, or click on the item with the mouse.  Some of the
Ncommands in the drop-down menus have a highlighted letter shown in red.  These
Lcommands can also be activated by pressing the highlighted letter key on the
Kkeyboard.  If you want help on any item on a menu, you must use the F10 key
Mand the arrow keys to highlight the item, then press F1 for help.  You cannot
Luse the mouse to highlight the item you want help on, because the mouse will
activate the command.
.                                The Statusline
MThe STATUS LINE, displayed at the bottom of the screen, shows some additional
Lcommands active at the time.  The status line also has hints and information
Kabout the commands being used or highlighted at the time.  You may activate
Istatus line commands by pressing the indicated key or by moving the mouse
Hcursor to the command and clicking either mouse button.  The status line
Kwill change according to the context, so, for example, if you are using the
LHELP facility, the HELP status line item will disappear, replaced by an EXIT
HELP item.
6                         Using Windows in this Program
NAll of the data entry and display in this program is done in windows displayed
Jon the screen.  You can move these windows, resize them in most cases, and
#keep several on the screen at once.
LEach window in this program has a small square "close icon" located near the
Nupper left corner.  On VGA screens this will be a green square.  You can close
5the window by clicking on this square with the mouse.
MSome windows also have a "resize icon" located near the upper right corner of
Ithe window.  It looks like either a single-headed or double-headed arrow.
JWhen the arrow has two heads, clicking on it with the mouse will cause the
Lwindow to return to its former size.  When it has one head, clicking it will
'cause it to expand to its maximum size.
LThe size of some windows can be changed by using the mouse.  This is done by
Kpositioning the mouse in the lower right corner of the window on the frame.
KUsually this part of the frame is of a different color from the rest of the
Hwindow frame.  If you hold the mouse button down and move the mouse, the
Cwindow corner will follow, thereby changing the size of the window.
HWindows can be moved in a similar manner by positioning the mouse cursor
Mon the top frame of the window.  Now if the mouse button is depressed and the
>mouse moved, the whole window is dragged along with the mouse.
ISome windows have "scrollbars" located along the right side of the frame.
IThese are used to scroll back and forth through the text using the mouse.
KTo use the scrollbar to scroll forward through the text, position the mouse
Ion the scrollbar somewhere below the rectangular position marker.  If you
Jclick on the mouse button while the mouse cursor lies between the position
Jmarker and the downward-pointing arrow at the bottom of the scrollbar, the
Mwindow will scroll forward one page at a time.  If the mouse cursor is on the
Jarrow, the window will scroll one line at a time.  You can scroll backward
Hby placing the mouse cursor above the position marker.  All windows that
Mscroll also respond to the UP and DOWN arrow keys, which scroll one line at a
Mtime, and to the PAGE UP and PAGE DOWN keys, which scroll one page at a time.
/                                Window Behavior
GIn terms of their behavior, there are two kinds of windows used in this
Hprogram - MODAL windows and MODELESS windows.  A MODAL window takes over
Hcontrol of the screen when it appears.  It requires a response, and will
Hremain on the screen with everything else deactivated until you respond.
HMost of the DIALOG BOXES requesting information about assets or accounts
Nare of this type.  If you don't know how to respond, you may press the ESC key
Gto close the window.  You can also use the mouse to click on the CANCEL
Hbutton in this case.  MODELESS windows are passive.  They can sit on the
Lscreen while you use other features.  The asset price and transaction update
Lwindows are of this type, as are the calendar and the calculator and certain
of the report windows.
JWhen you have several MODELESS windows on the screen at the same time (for
Nexample, the transaction update window to enter transactions in an account and
Mthe calculator window), only one window at a time will be active.  The active
Mwindow will have a bright frame.  You can activate another window by clicking
Nthe mouse inside the desired window.  You can also use the NEXT WINDOW command
Mfound under the OTHER menu item.  Before you can type any data into a window,
Nyou must first activate it.  MODAL windows, because they take over the screen,
Lare always the active window whenever they are on the screen, and you cannot
Kactivate any other window while a modal window is present, unless the other
Kwindow is also modal.  There are a few examples of this type of behavior in
Nthe program.  One is the ACCOUNT PORTFOLIO window, which is activated with the
LVIEW ACCOUNT PORTFOLIO command found under the VIEW menu item.  This command
Fdisplays a MODAL window showing the assets contained in your currently
Nselected account.  The window also contains commands that show details of each
Jof your assets, and when you activate one of these commands, another MODAL
Iwindow appears with data on the asset.  ERROR, WARNING, and INFORMATIONAL
LDIALOG BOXES are another example of this behavior.  When one of these DIALOG
EBOXES appears on the screen, it takes over control until you respond,
Aregardless of the type of window you may have open on the screen.
3                            How to Exit the Program
MWhen you finish using this program, you may exit by pressing ALT-X (hold down
Nthe ALT key and press the letter X).  You may also find the EXIT command under
Nthe FILE menu item.  To exit using the FILE menu item, highlight the menu with
Jthe F10 key, then use the arrow keys to highlight the FILE menu item, then
Jpress the ENTER key.  A drop-down menu will appear.  Use the arrow keys to
Jhighlight the EXIT item on the menu and press ENTER.  You may also use the
Imouse to exit.  Position the mouse cursor on the FILE menu item and press
Neither of the buttons on the mouse.  When the drop-down menu appears, position
Mthe mouse cursor on the EXIT menu item and press either of the mouse buttons.
HAny data you have entered will automatically be saved for you before the
program terminates.
-                              Data Lost Error
JEach time you start up the program, it checks its index files to make sure
Lthat all files listed in the indices actually exist on disk in the directory
Gin which you started the program.   If a file is not found, the program
Kissues the warning just issued and creates a new file using the information
Kfound in the index.  Any data that was in the file before, however is lost.
JTo avoid losing data, be careful with the files in the directory where you
Iuse this program.  The program stores account data in files with filetype
J.act.  It stores asset data in files with filetype .sec, and it stores the
Jindices in files with filetype .idx.  Default information is stored in the
Ffile Defaults.trx, but if this file is lost, it will be recreated with
Idefault information.  To avoid problems, do not create or erase any files
@with filetype .act, .sec, .trx, .hlp, or .res in this directory.
0                             Asset is Used Error
KWhen you attempt to delete an asset, before the program actually erases any
Hdata, it checks all of your accounts to make sure that you don't own the
Kasset and have not owned it at any time after the VALID DATE of any of your
Gaccounts.  If it discovers that you do or did own the asset during this
Gtime, it will not allow you to delete the asset, because to do so would
Hcause your account data to be incorrect.  If you want to delete an asset
Hthat you owned, but no longer own, then the easiest way is to change the
LVALID DATE on any accounts in which you owned the asset to a date later than
Lthe last date on which you owned the asset.  Then activate the PURGE ACCOUNT
Lcommand found under the EDIT menu item to eliminate unnecessary transactions
Hprior to the new VALID DATE.  Before you do this, however, it is wise to
&back up your account to a floppy disk.
/                             Invalid Date Error
IThis error occurs when you attempt to enter an invalid date.  The program
Lchecks the date both for its form.  It must look like m/d/y, where m, d, and
Ay are 1 or 2-digit numbers representing the month, day, and year,
Lrespectively, and the month/day/year combination must represent a valid date
 between 1/1/1950 and 12/31/2049.
KYou may get this error unexpectedly if you attempt to change the account or
Kasset and have either the transaction or price update window on the screen.
KIf an invalid date exists in the date panel, when you attempt to change the
Iaccount or asset, the program will report this error, because it does not
Kknow what to do with the data you have entered.  You can either correct the
Gdate, or delete the offending price entry or transaction to prevent the
error message from appearing.
2                           Name Already Used Error
KTRX stores asset and account information in DOS files.  The name of the DOS
Jfile storing the data is created from the name of the asset or account you
Kprovide.  DOS, however, limits filenames to 8 characters maximum length, so
Hif you specify two assets, the first 8 characters of whose names are the
Isame, then the program will issue an error message to the effect that the
Gnames are identical.  To avoid this error, just make sure the asset and
>account names you give differ in their first eight characters.
0                            Change Account Error
LThe data format for checking accounts differs from that used for other types
Iof accounts in order to improve efficiency of calculations.  As a result,
Kyou cannot change a checking account into another type of account, and vice
Kversa.  You do not have to specify the checking account type, however, even
Hfor a checking account.  You can create an account to hold your checking
Jaccount transactions and call it a brokerage account if you like.  It will
Inot allow to reconcile your bank statement, however, and you will have to
Lenter the asset CASH for each transaction, and computations with the account
Fwill probably be somewhat slower than if it were designated a checking
account.
.                               Error in Amount
LThis error occurs when you enter an invalid amount.  The program will accept
Kdecimal values.  One quirk in the program is that any trailing blanks cause
Ithis error to appear, so when you enter a number, do not enter any spaces
L(using the SPACEBAR) after the number.  You won't see any difference between
Ja number entered with trailing blanks and one with no trailing blanks, but
:the program will, and will not accept the trailing blanks.
JYou may get this message unexpectedly if you attempt to select a new asset
Gor account and either the price update window or the transaction update
Mwindow is open.  The program anticipates that the data in the open window may
Ichange, and needs to know what to do with the invalid data present in the
Kamount panel.  To avoid the error, simply correct the amount, or delete the
%offending transaction or price entry.
4                           Invalid Character in Name
IThis error occurs when you attempt to create a new asset or account using
Munusual characters in the name.  The program permits any names containing the
following characters:
H0-9, a-z, blank, -, &, $, %, #, !, `,'', (, ), ., and, the comma.  Other
Kcharacters are not permitted in asset or account names.  The reason for the
Hrestriction here is that the names are used to create filenames, and DOS
7restricts the characters that may be used in filenames.
7                       Invalid Transaction Change Error
KThis error occurs when you attempt to change data in a transaction which is
Ireferred to by a later transaction.  For example, if you sold a security,
Mthen try to alter the data on the purchase transaction for that security, the
Nprogram will not permit the change.  This is because the sale transaction uses
Kinformation from the purchase data, and possibly other data, to compute the
Htax basis of the sold shares.  If you change the purchase data, the data
Mcontained on the sale transaction will become invalid.  If you want to change
Kdata in such a transaction, you must first delete transactions referring to
Kto the transaction you wish to alter.  Transaction types which can refer to
Kother transactions are SALES, WITHDRAWALS, RETURN OF CAPITAL, OID INTEREST,
and TAX BASIS ADJUSTMENTS.
1                           Transaction Type Error
MThis error occurs when you attempt to save a cash transaction with an invalid
Gtransaction type.  The only transactions allowed for the Cash asset are
JWITHDRAWAL, DEPOSIT, BALANCE ADJUSTMENT, DIVIDEND, and INTEREST.  No other
4transaction types are permitted with the Cash asset.
:                       Money Market Transaction Type Error
KThis error occurs when you attempt to save a transaction for a Money Market
Jasset with an invalid transaction type.  The only transactions allowed for
Imoney market assets are PURCHASE, SALE, BALANCE ADJUSTMENT, DIVIDEND, and
MINTEREST.  No other transaction types are permitted with Money Market Assets.
0                              Zero Basis Warning
LThis warning occurs when you attempt to save a RETURN OF CAPITAL transaction
Mwhich would have the effect of reducing the tax basis of any lot of the asset
Jpaying the distribution to less than zero.  The program, in that instance,
Kwill reduce the amount of the return of capital distribution to the maximum
Iallowed, and issue a warning message.  You should declare the rest of the
Idistribution as a taxable capital gain distribution.  For more details on
Mhandling return of capital distributions, see IRS Publication 550, Investment
Income and Expenses.
HBe careful when entering return of capital transactions which reduce the
Mtax basis of any lots of a security you own to zero for the following reason:
LThe program assumes when you have multiple lots selected for the transaction
Kthat the distribution per share is equal for each lot.  It then reduces the
Ktax basis of each lot as much as it can.  When it finishes, it replaces the
Jdistribution value you entered with the applicable amount of the return of
Icapital.  This number will reflect the correct total return of capital to
Mwhich you are entitled, but it will not necessarily reflect the correct value
Mof the distribution on a per share basis.  Because of this, if you attempt to
Lsave the transaction again with the new value, the program will assume again
Lthat the per share distribution can be calculated from the value on the face
Iof the transaction and recalculate the value of the distribution, and may
Cchange it to an incorrect value.  Therefore, if a return of capital
Mtransaction applies to multiple lots and you reduce the tax basis to zero, do
Knot attempt to save the transaction a second time.  You can avoid all these
Kpotential problems by entering a separate return of capital transaction for
'each lot of the security which you own.
9                  Invalid Attempt to Delete a Transaction
LThis error occurs when you attempt to delete a transaction which is referred
Lto by a later transaction.  For example, if you sold a security, then try to
Ndelete the purchase transaction for that security, the program will not permit
Kthe change.  This is because the sale transaction uses information from the
Lpurchase data, and possibly other data, to compute the tax basis of the sold
Hshares.  If you change the purchase data, the data contained on the sale
Ktransaction will become invalid.  If you want to delete such a transaction,
Cyou must first delete transactions referring to the transaction you
Lwish to delete.  Transaction types which can refer to other transactions are
8SALES, WITHDRAWALS, RETURN OF CAPITAL, and OID INTEREST.
0                             Invalid Asset Error
NThis error occurs when you attempt to save a transaction with an invalid asset
Iname.  Usually the culprit is a blank ASSET NAME PANEL on the transaction
Lupdate window.  It can occur unexpectedly when you attempt to select another
Mtransaction (using the PgUp or PgDn keys for example) or to exit the program.
GThis error occurs because the program does not know what to do with the
Linvalid data in transaction update window.  You can solve the problem either
Lby correcting the data in the window or by deleting the transaction.  If you
Jsimply left a blank transaction form in the panel, just delete it prior to
closing the window.
.                            Low Memory Warning
MThe program issues this warning when memory drops below about 12K bytes.  The
Hprogram will still function, but you may have problems using some of the
Jfeatures of the program.    When you get this error you should immediately
Iback up your data.  Then reset your account VALID DATES forward and purge
Neach account to eliminate old transactions.  This will reduce the size of your
accounts and free up memory.
5                         Attempt to Delete Cash Asset
IThe program will not allow you to delete the cash asset, since this asset
Mplays a special role in the program.  The cash asset is added to all accounts
Jwhen created, even those accounts which have no cash.  This is because all
Jsales and purchase transactions in an account involve the transfer of cash
Mto and from the cash asset.  If the asset isn't there, the transfer cannot be
5made, so the cash asset must be present at all times.
=                Attempt to Open a Second Modeless Help Window
MThis error occurs when you attempt to open more than one MODELESS help window
Kat a time.  The program allows you to have two help windows open at once as
Klong as one of them is MODAL.  The MODELESS windows are those that can stay
Lon your screen as long as you want and allow you to do other work while they
Kare there.  The modeless help windows are the GENERAL HELP window, the help
Hwindows for the UPDATE ASSET PRICES and UPDATE TRANSACTIONS windows, the
Lhelp windows for the CALCULATOR the CALENDAR the TAX SUMMARY window, and the
JACCOUNT SUMMARY window.  So, only one of these can be open at a time.  All
Mthe other help windows are modal, so you cannot have them on the screen while
doing other work.
8                     Set Plot Minimum and Maximum Values
LThis command allows you to set minimum and maximum values for plotting data.
LOnce you specify values and turn on the use of specified minimum and maximum
Mvalues, all graphs you plot subsequently will use the values you set.  If you
Kdo not specify minimum and maximum values, the program will scale all plots
&automatically to accommodate the data.
8                     Set Plot Minimum and Maximum Values
KEnter the minimum and maximum values for plots in the panels shown.  If you
Kwant to use these values, check the box marked SET MIN/MAX.  If you wish to
Mdisable the specified values and let the program choose the appropriate scale
$automatically, then uncheck the box.
LThe program will not necessarily use the values you specify.  It attempts to
Kconstruct a scale that has round numbers (units or multiples of 5 or 10) on
Lthe scale, so it will generally expand the interval you have chosen to get a
Mround number scale.  However, if you specify values, all plots will appear on
4the same scale, regardless of the data in the plots.
2                        Incorrect Tax Status Error
MYou have specified a tax status which is not allowed for the transaction type
Ayou selected.  The program allows specification of the following:
Nif you select a tax status of...     you may use the following transactions...
=       Normal                                All Transactions
H       Tax Deductible                        Withdrawal & Balance Adjust
H       Tax Credit                            Withdrawal & Balance Adjust
E       Taxable Income                        Deposit & Balance Adjust
5       Tax Exempt                            Interest
5                                             Dividend
>                                             Dividend Reinvest
D                                             Short Gain Distribution
C                                             Long Gain Distribution
@                                             Short Gain Reinvest
?                                             Long Gain Reinvest
9                                             OID Interest
JThe TAX EXEMPT tax status will probably be used only for interest on, say,
Jmunicipal bonds.  The other transactions are allowed for flexibility only.
MThe Balance Adjustment transaction can be used to record miscellaneous income
Gand expenses, and you can flag the tax status as tax deduction, credit,
Ior taxable income.  If these are not flagged, then the balance adjustment
#does not appear on the tax summary.
:                   Sale or Short Closing Tax Basis Summary
KThis window lists acquisition data connected with a sale of an asset or the
Iclosing out of a short position.  In the case of a sale, the date of each
Facquisition along with the number of shares acquired (adjusted for any
Fsplits up to the date of the sale), the transaction by which the units
Kwere acquired, and the tax basis of the sold shares are shown.  In the case
Fof a closing purchase transaction of a short position, the date of the
Koriginal opening transaction(s), the number of units involved (adjusted for
Cany splits or positions previously closed out), the type of opening
Itransaction, and the tax basis of the short position.  The tax basis of a
Mshort position will always be shown as a negative value equal to the adjusted
Gproceeds of the opening short sale.  You may view a similar summary for
Dshares you own or for open short positions by using the VIEW ACCOUNT
1PORTFOLIO command found under the VIEW menu item.
IYou can save this screen on a file by using the EXPORT command, which can
Mbe activated by using the mouse to click on the word EXPORT on the statusline
Lat the bottom of the screen.  You can also type ALT-P to activate the export
command.
.                               Getting Started
LAlthough this program was written for DOS, its user interface is in may ways
Gsimilar to Windows.  When using this program, all of the data entry and
Noutput displays shown by the program will occur in window-like screens similar
Nto this one.  These screens have a number of features in common.  For example,
Jnear the upper left corner of a window is a "close icon", which is a small
Hsquare.  If your computer has a VGA graphics adapter, the square will be
Ggreen.  If you position the mouse cursor on the square and click either
=button, this window will close, or disappear from the screen.
-                                Using Windows
MSome windows also have a "resize icon" located near the upper right corner of
Ithe window.  It looks like either a single-headed or double-headed arrow.
JWhen the arrow has two heads, clicking on it with the mouse will cause the
Lwindow to return to its former size.  When it has one head, clicking it will
'cause it to expand to its maximum size.
LThe size of some windows can be changed by using the mouse.  This is done by
Kpositioning the mouse in the lower right corner of the window on the frame.
KUsually this part of the frame is of a different color from the rest of the
Hwindow frame.  If you hold the mouse button down and move the mouse, the
Cwindow corner will follow, thereby changing the size of the window.
HWindows can be moved in a similar manner by positioning the mouse cursor
Mon the top frame of the window.  Now if the mouse button is depressed and the
>mouse moved, the whole window is dragged along with the mouse.
ISome windows have "scrollbars" located along the right side of the frame.
IThese are used to scroll back and forth through the text using the mouse.
KTo use the scrollbar to scroll forward through the text, position the mouse
Ion the scrollbar somewhere below the rectangular position marker.  If you
Jclick on the mouse button while the mouse cursor lies between the position
Jmarker and the downward-pointing arrow at the bottom of the scrollbar, the
Mwindow will scroll forward one page at a time.  If the mouse cursor is on the
Jarrow, the window will scroll one line at a time.  You can scroll backward
Hby placing the mouse cursor above the position marker.  All windows that
Mscroll also respond to the UP and DOWN arrow keys, which scroll one line at a
Mtime, and to the PAGE UP and PAGE DOWN keys, which scroll one page at a time.
.                                Using Commands
KCommands you can use in the program appear in various places.  The MENUBAR,
Jlocated across the top of the screen, lists a number of commands.  So does
Ithe STATUS LINE, located across the bottom of the screen.  Other commands
Mmay appear on different windows as BUTTONS, which can be "pushed" by clicking
Fthe mouse button when the mouse cursor is located on the button.  More
;details on the Menubar and the Status Line are given below.
,                                 The Menubar
JThe MENUBAR, located across the top of the screen can be accessed by using
Lthe F10 key.  When you press F10, one of the menu items becomes highlighted.
LYou can highlight other items by using the arrow keys to move either left or
Fright.  On most menu items you can use the down arrow key to highlight
Gfurther items on a pop-up menu.  Pressing the ENTER key also causes the
Mpop-up menu to appear.  You can also activate the menu items using the mouse.
?Just position the mouse cursor on an item and click the button.
LYou may activate Menubar commands by pressing the key combination consisting
Mof the Alt key and the highlighted letter in the command name on the Menubar.
IFor example, you can open up the FILE menu by typing Alt-F (hold down the
LAlt key and type F).  Sometimes certain command names will appear in a light
Lgray color.  This indicates that the command is inactive.  If you attempt to
Huse the command when it is in this state, nothing will happen.  Commands
Ibecome inactive when they should not be used.  For example, the VIEW LIST
Kcommand, found under the LIST menu item, is inactive is there is no list to
view.
-                                 Getting Help
IYou can get help on any menu command by highlighting the menu item (using
Gthe F10 key and the arrow keys) then pressing F1 (or using the mouse to
Kactivate the HELP statusline item along the bottom of the screen).  You can
Jalso get explanations for some error messages by pressing the F1 key or by
Lclicking with the mouse on the HELP item of the status line along the bottom
of the screen.
.                               The Status Line
MThe STATUS LINE, displayed at the bottom of the screen, shows some additional
Lcommands active at the time.  The status line also has hints and information
Kabout the commands being used or highlighted at the time.  You may activate
Istatus line commands by pressing the indicated key or by moving the mouse
Hcursor to the command and clicking either mouse button.  The status line
Kwill change according to the context, so, for example, if you are using the
LHELP facility, the HELP status line item will disappear, replaced by an EXIT
HELP item.
.                                Other Commands
JOther commands appear as BUTTONS in windows.  These commands are activated
Leither by TABBING until the button is highlighted and pressing the SPACEBAR,
Lor the ENTER key.  Alternatively, you can press a button by moving the mouse
Mcursor to the button and clicking the mouse button.  Sometimes these commands
Fare inactive, and will appear in a light gray color.  When a button is
Ninactive, it will not respond to any mouse clicking and cannot be highlighted.
/                                Window Behavior
GIn terms of their behavior, there are two kinds of windows used in this
Hprogram - MODAL windows and MODELESS windows.  A MODAL window takes over
Hcontrol of the screen when it appears.  It requires a response, and will
Hremain on the screen with everything else deactivated until you respond.
HMost of the DIALOG BOXES requesting information about assets or accounts
Nare of this type.  If you don't know how to respond, you may press the ESC key
Gto close the window.  You can also use the mouse to click on the CANCEL
Hbutton in this case.  MODELESS windows are passive.  They can sit on the
Lscreen while you use other features.  The asset price and transaction update
Lwindows are of this type, as are the calendar and the calculator and certain
of the report windows.
1                              Creating an Account
KAccounts, as used in the program, are simply sets of transactions involving
Lassets.  You can set up accounts in any way that is convenient for you.  The
Iprogram will compute performance for accounts, individual assets owned by
Kaccounts, and for the total of all accounts, so you don't have to set up an
Kaccount just to get performance analysis.  You may own several mutual funds
Lin one family.  If you like, you can set this family up as a single account.
HYou may also set it up as individual accounts if you prefer.  If you own
Mboth a mutual fund and a money market fund in the same family, you may prefer
Kto set up a single account for this.  In general, the easiest way to set up
Iaccounts is to set up one account for each individual account you receive
Ga statement for.  In this way, when you enter the transactions for each
6account, you will have to refer to only one statement.
KYou begin using the program by creating an account.  Use the CREATE menubar
Jitem to do this.  When you activate this (either by pressing F10 and using
Ithe arrow keys to move the highlighted cursor to CREATE and then pressing
NENTER or the DOWN ARROW, or by using the mouse), another menu box will pop up.
JEither use the arrows to highlight ACCOUNT and press ENTER or position the
Mmouse cursor on ACCOUNT and click the mouse button.  A DIALOG BOX will appear
Hasking for information on the account.  Enter the information requested.
4You may press F1 for detailed help on what to enter.
JOnce you have created an account, you will notice that the name of the new
Jaccount is highlighted in the current selections box.  You should also see
Mthat the asset listed in the box is Cash, because when you create an account,
Ka cash asset is automatically created.  You cannot edit the cash asset.  It
His used by all accounts.  You can view the cash asset by selecting ASSET
IPRICES.  Do this by highlighting the SELECT menu item then choosing ASSET
GPRICES.  A window will appear showing a single value for cash of 1.000.
2                            Entering a Transaction
LDisplay the TRANSACTION UPDATE window by activating the UPDATE menu item and
Nchoosing TRANSACTIONS.  A large window containing a number of panels, buttons,
Eand various other controls will pop up.  This window is used to enter
Iall transaction data.  To enter a transaction involving only cash, either
Gtype cash in the panel under NAME or use to mouse to depress the button
Mlabeled "Use Selected Asset".  (This panel will not appear if you are using a
Dchecking account, however).  Now use the tab key to move to the next
Nentry panel.  You can also move to the panel by clicking in it with the mouse.
HYou may type a date in the DATE panel using the format mm/dd/yy.  If you
Klike, you may activate the CALENDAR under the OTHER menu item.  Then, using
Hthe mouse, click on a date on the calendar.  You should see the date you
Iclicked on appear on the transaction update window date panel.  Using the
Btab key, move to the next panel, the VALUE panel.  Enter a number.
NSince this is a cash transaction, no value for the units is required.  It will
Lautomatically be set equal to the value entry.  (If you are using a checking
Laccount, this panel contains the check number).   Now using the mouse, click
Jon the DEPOSIT CHECKBOX.  An X will appear between the brackets indicating
Jthat the transaction is a deposit.  Now, save the transaction by using the
Kmouse to depress the SAVE button.  For a checking account you can also mark
>the transaction CLEARED using the checkbox in the lower right.
INow if you activate the SELECT menu item and choose TRANSACTION, you will
%see the transaction you just entered.
0                               Creating an Asset
GYou create an asset by using the CREATE menu item, then choosing ASSET.
EA dialog box will appear requesting information on the asset you wish
Hto create.  You must create any asset you wish to enter on a transaction
Kbefore saving the transaction.  You can get help on the details of entering
Gthe information in the create asset dialog box by pressing F1 for help.
1                            Updating Asset Values
GOnce you have an asset, you can update its values using the ASSET PRICE
JUPDATE window.  Display this window by activating the UPDATE menu item and
Kchoosing ASSET PRICE.  A small window will appear having two entry panels -
Jone for the date and one for the price.  You may use the calendar to enter
Gdates for this window just as for the transactions window.  Enter a few
Gdates and values into this window, using the NEW button to create a new
0entry and saving each one using the SAVE button.
JYou can also skip pressing the SAVE button, and just use the NEW button if
Kyou intend to continue entering prices.  The NEW button automatically saves
,your price data before creating a new entry.
JOnce you have created several price entries, you may view the prices using
Lthe SELECT menu item and choosing ASSET PRICE.  You will then see all of the
Nprices you have entered.  You may plot a graph of the prices by activating the
IPLOT menu item and choosing ASSET PRICES.  After viewing the graph, press
!any key to return to the program.
JYou can also update asset prices automatically by reading data from a file
Gdownloaded from a price quotation service.  Get more details on this by
Nusing F10 to highlight the FILE menu item and using the arrow key to highlight
-IMPORT ASSET VALUES.  Then press F1 for help.
@               How to Enter Account Data for an Existing Account
JIf you have an existing investment account that you wish to enter into TRX
Jwhen you begin to use the program, you have two choices on how to proceed.
DYou may go back through all your account statements and record every
Itransaction that ever occurred in the account up to the present.  This is
Lfeasible if the account is not too old, and it has the advantage of allowing
Iyou to analyze account performance for the entire period during which the
Laccount has existed.  You must also create assets for each security you have
Iowned in the account, and you must enter prices for that period.  You can
Iusually get the monthly closing prices from your account statements.  The
Kdisadvantage of this approach is that it may be time consuming, and doesn't
0really help you much in planning for the future.
IA simpler way to start is to enter all transactions for the current year.
GCreate assets for each asset you owned as of the beginning of the year,
Kand enter prices for each starting with the last day of the preceding year.
KThen, enter purchase data for all securities that you owned as of the first
Eof the year.  Enter these purchases exactly as they occurred with the
Kcorrect purchase dates and cost.  Then, set the reporting dates so that the
Jending date is the last day of the preceding year and mark the checkbox so
Eas to use the default report dates (you will find this item under the
BDEFAULT menu item in REPORT DATES).  Then view the account summary
I(under the VIEW menu item activate ACCOUNT SUMMARY).  If the final report
Jdate shown on the summary is not the last day of the preceding year, it is
Jprobably because you set the account's VALID DATE to a later date.  If so,
Jactivate the EDIT menu item and choose ACCOUNT to change the account VALID
HDATE to the last day of the preceding year, then run the account summary
Iagain.  The ending value of the account should show a cash deficit.  This
Kis because when you purchase a security, the cash for the purchase is taken
Jfrom the cash in the account, even if there isn't any cash there.  Compare
Ithe cash balance with your year end statement, and enter a deposit on the
Elast day of the preceding year for the amount required to make up the
Idifference.  If you generate another account summary, the balances should
1all be in agreement with your year end statement.
4                         Handling Money Market Funds
EMany people hold money market funds in their brokerage or mutual fund
Kaccounts.  In TRX there are two ways to handle money market funds.  You can
Icreate a money market asset.  Just enter a single price of $1.00 per unit
Jfor some date earlier than any dates you plan to use.  You will never have
Ehave to change this price (except in the unlikely event that the firm
Kdefaults on its money market obligations).  Now, when using the account you
Imust record every purchase and sale of money market funds in the account.
KA second option is to dispense altogether with the money market fund asset,
Jand just lump money market funds and cash and use the cash asset for both.
LThis is easier since you no longer have to keep track of purchases and sales
Bof money market funds.  If you do this, you should ignore all such
Jtransactions in your investment account statement.  You should also record
,money market dividends as dividends on cash.
=                  How the Program Handles Purchases and Sales
GWhen you record a purchase or a sale, the program assumes that the cash
Irequired or cash generated by the transaction is added to the cash in the
Kaccount.  If you pay for a security purchased in the account with funds not
Iin the account, you MUST enter a deposit to the account for the amount of
Lfunds remitted.  Similarly, if the cash from a sale is sent directly to you,
Hyou must enter a withdrawal transaction for the amount of cash received.
IThis also applies to dividends and other distributions you might receive.
LIn short, deposits and withdrawals are the only ways to get assets in or out
Mof an account (with the exception of a BALANCE ADJUSTMENT, which applies only
Lto cash, and should not have to be used unless you really have no idea where
the money came from or went).
+                                  About Box
;This command lists copyright information about the program.
6                       Export Asset Values as QIF File
LThis command allows you to export the values of the currently selected asset
Kin a form that other programs can import.  The data are written to the file
in the following format:
2                          "HAN", 18.375, "6/18/94"
LThe first item represents the asset Symbol, the second is the price, and the
Klast is the date.  To import the data into other programs, follow the other
Lprogram instructions for importing security values from files, and enter the
Kname of the file you created in TRX.  You need to have a SYMBOL defined for
the asset you export.
.                             Defining a Symbol
IIn order to export a file of asset values readable by other programs, you
Kneed to define a symbol for the asset.  The symbol can be defined using the
MEDIT ASSET command found under the EDIT menu item.  Normally, if the asset is
Jtraded on a stock exchange, you should use the exchange symbol, since that
Iwill be the symbol used by online services that provide price quotations.
LIf the asset is not traded, you may define any symbol you wish, but you must
Malso define the same symbol in the program you intend to  which you intend to
transfer the data.
8                     Export Transactions File Dialog Box
LEnter a filename in the Input Line panel, or, press ENTER or TAB to move the
Kcursor to the FILE LIST.  You can select a file from the list by moving the
Narrow keys to highlight the desired file, or by clicking on the file name with
Mthe mouse.  Then, to write the file, click on the OK button with the mouse or
press ENTER.
HYou can also use WILDCARDS in the INPUT LINE panel.  The asterisk is the
Nwildcard character.  So, to list all files with a filetype of .dat, type *.dat
Mthen press ENTER.  By typing a directory name, you may list all files in that
directory.
JThe transactions in the account will be exported in QIF format, which will
Jallow other programs to read the transactions.  Some information, however,
Cis not transferable in QIF format, and will be lost.  Here are some
Fdifferences between the data exported to the QIF file and the internal
representation of the data:
I  TRX does not store data on transaction commissions, so this information
G  will not appear in the QIF file.  The security price in a purchase or
0  sale transaction will be the net price to you.
H  QIF file format does not allow the specification of lots to be sold or
I  withdrawn from an account.  If you have sale or withdrawal transactions
I  for securities of which you hold more than one lot, and you used a sale
N  method other than FIFO, the sale information will not be complete.  You will
J  have to adjust this in the other program after the data are transferred.
L  QIF file format does not allow TAX BASIS ADJUSTMENT transactions, so these
K  are translated using a combination of RETURN OF CAPITAL and MISCELLANEOUS
'  EXPENSE transactions in the QIF file.
N  DEPOSITS and WITHDRAWALS from the account are normally recorded as transfers
K  between the account and a cash account called TRXCash.  To facilitate the
J  reading of the QIF file in another program, use that program to set up a
M  cash account called TRXCash before importing the QIF file generated by TRX.
K  If you have flagged a deposit or withdrawal with any tax information, the
D  transaction will be converted to a miscellaneous income or expense
  transaction.
K  BALANCE ADJUSTMENTS are recorded as miscellaneous income or expense, with
'  appropriate tax information provided.
M  DIVIDENDS, INTEREST, and other cash distributions will normally be recorded
L  with the equivalent QIF item.  However, any of these types of transactions
A  marked as tax exempt will be converted to miscellaneous income.
L  OID interest is not allowed in QIF, so this is translated to a combination
8  of Interest Income and Return of Capital transactions.
6                         Export Values File Dialog Box
LEnter a filename in the Input Line panel, or, press ENTER or TAB to move the
Kcursor to the FILE LIST.  You can select a file from the list by moving the
Narrow keys to highlight the desired file, or by clicking on the file name with
Mthe mouse.  Then, to write the file, click on the OK button with the mouse or
press ENTER.
HYou can also use WILDCARDS in the INPUT LINE panel.  The asterisk is the
Nwildcard character.  So, to list all files with a filetype of .dat, type *.dat
Mthen press ENTER.  By typing a directory name, you may list all files in that
directory.
NValues exported will be in a format compatible with other programs.  Each line
of the file will have the form:
2                          "HAN", 18.25, "12/31/93"
Kwhere "HAN" denotes the asset symbol, 18.25 is the price, and "12/31/93" is
the date of the price.
7                        Export Transactions to QIF File
JThis command allows you to export transactions from the currently selected
0account to a QIF file for use in other programs.
JThe transactions in the account will be exported in QIF format, which will
Mallow other programs to read the transactions.  Some information, however, is
Lnot transferable in QIF format, and will be lost.  Here are some differences
Lbetween the data exported to the QIF file and the internal representation of
    the data:
I  TRX does not store data on transaction commissions, so this information
G  will not appear in the QIF file.  The security price in a purchase or
0  sale transaction will be the net price to you.
H  QIF file format does not allow the specification of lots to be sold or
I  withdrawn from an account.  If you have sale or withdrawal transactions
I  for securities of which you hold more than one lot, and you used a sale
N  method other than FIFO, the sale information will not be complete.  You will
J  have to adjust this in the other program after the data are transferred.
L  QIF file format does not allow TAX BASIS ADJUSTMENT transactions, so these
K  are translated using a combination of RETURN OF CAPITAL and MISCELLANEOUS
'  EXPENSE transactions in the QIF file.
N  DEPOSITS and WITHDRAWALS from the account are normally recorded as transfers
K  between the account and a cash account called TRXCash.  To facilitate the
J  reading of the QIF file in another program, use that program to set up a
M  cash account called TRXCash before importing the QIF file generated by TRX.
K  If you have flagged a deposit or withdrawal with any tax information, the
D  transaction will be converted to a miscellaneous income or expense
J  transaction and will be assigned a category of TaxInc, TaxDeduct, TaxCr,
   or TaxExempt before exporting.
K  BALANCE ADJUSTMENTS are recorded as miscellaneous income or expense, with
'  appropriate tax information provided.
M  DIVIDENDS, INTEREST, and other cash distributions will normally be recorded
L  with the equivalent QIF item.  However, any of these types of transactions
M  marked as tax exempt will be converted to miscellaneous income and assigned
  the TaxExempt category.
L  OID interest is not allowed in QIF, so this is translated to a combination
8  of Interest Income and Return of Capital transactions.
.                               Select Category
KYou may select a category to work with using the mouse or the keyboard.  To
Huse the mouse, click the mouse on the category you want to use.  You can
Nscroll the screen using the SCROLLBAR on the right.  To scroll down click with
Jthe mouse on the lower arrow or in the space above the lower arrow and the
Lbelow the indicator square.  To scroll up, click with the mouse on the upper
Karrow or in the space below the upper arrow and above the indicator square.
JOnce the item you wish to select is highlighted, click the OK button.  You
@may also select an item by double clicking on it with the mouse.
LTo use the keyboard, use the arrow keys or the Page Up and Page Down keys to
Khighlight the desired item.  Then press the SPACEBAR or press the ENTER key
to select the item.
.                               Edit Categories
IUse this command to make changes to existing categories you have created.
1                            Invalid Category Name
LYou must enter a nonblank category name.  You may enter any name you like up
Lto 15 characters, but it must be different from the existing category names.
0                              Edit Category Data
MThis window allows you to enter data for a new category or to change data for
Han existing category.  Enter the name for your category by typing in the
Npanel.  Press the TAB key to move to the next panel, or use the mouse to click
Lin the panel you wish to type in.  The name can contain any characters up to
Na maximum of 15 characters.  The description can contain up to 255 characters.
MClick the appropriate tax status box for your category.  The tax status items
available are:
M   Normal - This status will flag all dividends, capital gains distributions,
K            interest, and OID interest as taxable income.  You can use this
0            status with any type of transaction.
I   TaxDeduct - This status, which you can use for WITHDRAWALS and BALANCE
G               ADJUSTMENTS, flags the expense as a tax deductible item.
I   TaxCredit - This status, which can be used for WITHDRAWALS and BALANCE
C               ADJUSTMENTS, flags the expense as a tax credit item.
F   TaxIncome - This status, which can be used for DEPOSITS and BALANCE
I               ADJUSTMENTS, flags the income as taxable income.  Normally
G               deposits and balance adjustments to your account are not
8               counted as taxable income on any reports.
J   TaxExempt - This status, which can be used for DIVIDENDS, INTEREST, any
H               CAPITAL GAINS DISTRIBUTIONS, BALANCE ADJUSTMENTS, and OID
6               INTEREST, flags the item as tax exempt.
KThe tax status of the category determines which categories you can use with
La given transaction.  For example, if you define a category called "Charity"
Gto use for your contributions to charitable causes, and you set the tax
Istatus to TaxDeduct, then the only kinds of transactions you can use this
Bcategory with are WITHDRAWALS and BALANCE ADJUSTMENT transactions.
1                           Error Editing Category
HThis error occurs when you attempt to change one of the 5 predefined tax
Fcategories: Normal, TaxCredit, TaxDeduct, TaxExempt, TaxIncome.  These
Kcategories are used by the program.  If you wish to add new categories, use
Lthe CREATE CATEGORY command found under the CREATE menu item.  Once you have
Hcreated a category, you may change it in any way you like using the EDIT
0CATEGORY command found under the EDIT menu item.
2                           Error Creating Category
GThis error occurs when a category cannot be created due to insufficient
Kmemory or too many existing categories.  Only 256 categories are permitted,
Mincluding the 5 existing tax categories.  If you have too many categories and
Kwant to create a new one, then first delete one of the old categories.  You
8cannot delete, however, the 5 predefined tax categories.
0                             Create New Category
KUse this command to create a new category for transactions.  You may assign
Ma tax status to your new category and enter a description for the category as
well.
/                              Delete a Category
MUse this command to delete an existing category you no longer need.  When you
Hactivate the command, you will asked to select a category to replace the
Kdeleted category on all transactions.  The default choice is the predefined
Normal tax status category.
2                           Delete Category Warning
JWhen you delete a category, the information is permanently erased from the
Fprogram, and all transactions referring to the category are changed to
Manother category you choose to replace the deleted category.  You may wish to
-back up your data before deleting a category.
2                             Delete Category Error
DThis error message occurs when you attempt to delete one of the five
Npredefined tax status categories.  These categories are used internally by the
program and cannot be deleted.
,                                  Categories
MCategories help you organize your transactions for tax and other purposes. On
Meach transaction, you may enter a category.  Each category can be assigned to
0one of five tax status designations.  These are:
KNormal    - This means that the tax status of the transaction is considered
N            typical for the type of transaction.  Dividends, interest, capital
H            gains distributions, OID interest are all considered taxable
J            income.  Balance adjustments, deposits and withdrawals have no
5            tax consequences if designated as Normal.
HTaxCredit - This tax status applies to balance adjustment and withdrawal
L            transactions only, and signifies that the item is eligible for a
F            credit against income taxes.  Use this to flag foreign tax
%            withholding, for example.
HTaxDeduct - This tax status applies to balance adjustment and withdrawal
G            transactions only, and designates transactions which can be
L            deducted against taxable income.  Use this to flag, for example,
%            charitable contributions.
ITaxExempt - This tax status applies to dividends, interest, capital gains
E            distributions, and OID accruals which would ordinarily be
H            considered taxable income.  If this category is applied to a
G            transaction of this type, the item will be flagged as a tax
            exempt item.
MTaxIncome - This tax status can be used with deposits and balance adjustments
8            to mark such transactions as taxable income.
NThe above five tax status categories are predefined categories in the program.
IYou can also define your own categories using the CREATE CATEGORY command
Hfound under the CREATE menu item, and you can assign one of the five tax
 status items to your categories.
-                                Asset Classes
LAsset Classes allow you to define categories for asset allocation.  TRX uses
Kthe asset classes to compute percentages of your portfolio in various types
Kof assets.  You can use this information in planning your investments.  Two
$predefined classes exist.  They are:
M(None)    - This class is given to newly defined assets by default.  It means
B            that no classification for the asset has been defined.
LCash      - This class is automatically assigned to the cash asset.  You can
5            also use it for other assets if you like.
MEach asset you define in the program allows you to specify two asset classes.
IThis allows you to defined two different ways of classifying your assets.
IFor example, you might choose to use the first asset class to cover broad
Gcategories of assets such as "equities", "bonds", "money market funds",
K"real estate", etc.  Then when you view an asset allocation using the first
Jclassification, you can see how your assets are split among these classes.
HThen you might choose to use the second classification for more specific
Eidentification of the asset type, as in, for example, "pharmaceutical
Lstocks", "basic industrial stocks", "U. S. treasury bonds", "foreign bonds",
HThese asset classifications are used by the ASSET ALLOCATION 1 and ASSET
NALLOCATION 2 commands found under the VIEW menu item, which display allocation
Gdata for your assets.  You may specify that the allocation include only
Nassets in the currently selected account or that it include all your accounts.
GChecking accounts may be excluded by using the DEFAULT INCLUDE CHECKING
3ACCOUNTS command found under the DEFAULT menu item.
KThe ASSET ALLOCATION 1 command generates a listing of your assets allocated
Hby the first asset class assigned to each asset.  The ASSET ALLOCATION 2
Mcommand uses the second asset class to do the allocation.  Use these commands
Hto help you understand the weightings of different asset classes in your
Eportfolio to help you in planning future investments and asset sales.
0                           Entering Transactions
MTo enter a transaction, first select the account you wish to use by using the
ISELECT ACCOUNT command found under the SELECT menu item.  The account you
Eselect will appear in the information box near the top of the screen.
KNext, activate the UPDATE menu item and choose the ACCOUNT submenu item.  A
Mwindow containing several panels for entering data will appear on the screen.
JIf this is the first transaction in the account, the window will contain a
Lblank transaction form.  Fill in the panels, and click the appropriate boxes
Kusing the mouse.  Press the F1 key for more detailed help in filling in the
Lform.  If you already have transactions in the account, the transaction form
Jthat appears when you activate the window will already contain information
Hfrom a previous transaction.  Use the mouse to press the NEW TRANSACTION
Kbutton to create a blank form to fill in.  Once you fill in the form, press
Jthe SAVE TRANSACTION button to save the transaction.  If you wish to enter
Hseveral new transactions, you may simply press the NEW button after each
Ntransaction. This will both save the transaction you just filled in and create
Fa new one.  When you save the last transaction, press the SAVE button.
9                   Import Security Values File Dialog Box
HEnter a filename in the Input Line panel, or, press ENTER or TAB to move
Kthe cursor to the FILE LIST.  You can select a file from the list by moving
Mthe arrow keys to highlight the desired file, or by clicking on the file name
Lwith the mouse.  Then, to open the file, press ENTER or click the OK or OPEN
button with the mouse.
HYou can also use WILDCARDS in the INPUT LINE panel.  The asterisk is the
Hwildcard character.  So, to list all files with a filetype of .dat, type
K*.dat then press ENTER.  By typing a directory name, you may list all files
in that directory.
GThe file to be imported must contain price data in one of the following
!formats, with one price per line:
   1. "HAN", 18.25, "12/31/93"
   2. "HAN", "12/31/93", 18.25
   3. "HAN", 18.25
   4. "12/31/93", 18.25
   5. 18.25, "12/31/93"
IIn any of these examples, the quotation marks may be omitted, or they may
Jbe included around the price as well.  The commas may be replaced by blank
Kspaces.  In example 1, HAN is the stock SYMBOL.  You can provide the symbol
Gwhen you define an asset, or you can add it later by editing the asset.
GThe number 18.25 is the price, and "12/31/93" is the date of the price.
HIn example 3, the date is taken as the DEFAULT DATE, if you have checked
Hthe USE DEFAULT DATE checkbox.  Otherwise, the current date is used.  In
Hexamples 4 and 5, the currently selected asset is assumed, and the order
&the of date and price does not matter.
EFiles of this type can be created using online quote services such as
Prodigy's Quote Track.
3                            Closing Short Positions
FThis window allows you to select open short positions to close using a
purchase transaction.
LThe window shows you two panels of opening transactions for the position you
Jintend to close using the purchase transaction.  The upper panel shows the
Nopening short sale transactions along with current short position and proceeds
Jfrom short sales as of the date of the closing transaction.  The units and
Mcost values may be different from those appearing on the original transaction
G(as shown by the SELECT TRANSACTION command, for example), depending on
+whether you have already closed some units.
NYou select the lots you wish to close from the top panel by double clicking on
Mthem with the mouse or by highlighting them using the arrow keys and pressing
Ithe SPACEBAR.  When you do this, the item moves to the lower panel, which
Jshows the lots you have selected.  The program assumes that the shares are
Nclosed in the order in which they are displayed in the lower panel.  If you do
Knot select enough lots to cover the number of shares you wish to close, the
Lprogram reduces the number closed, and the actual number is displayed in the
Jtransaction window.  If you select lots containing more than the requested
Knumber of units, the program closes the requested number, starting with the
Lfirst lot in the list and working down the list until the required number of
units is closed.
MYou may "unselect" items from the lower panel by double clicking on them with
Lthe mouse or by using the SPACEBAR, just as you do to select them.  When you
Ido this, the item you selected moves back up to the upper panel.  It will
!appear at the bottom of the list.
LUse the TAB key to move from the upper list to the lower list.  You may also
Buse the mouse by clicking within the area occupied by either list.
3                           Tracking Short Positions
HTRX allows you to track short positions as well as long positions in any
Gsecurity.  You can even have both a short and long position in the same
1asset, and TRX will track that correctly for you.
Short Sales
K  A short sale is a sale of an asset you do not own.  Typically, to short a
K  stock, you borrow shares from your broker and sell the borrowed shares in
K  the hope that the price of the shares will fall, so that you can buy them
H  back at a lower price and return them to your broker, thereby making a
  profit on the transaction.
N  Another class of short sale is the sale of an option, which obligates you as
K  seller to either buy or sell a security at a certain price within a fixed
M  time.  You can sell a CALL OPTION, which gives the buyer the right to buy a
M  security at a specified price within a limited time from the sale.  You, as
L  seller, are obligated to supply the security to the buyer at the specified
K  price.  Conservative investors sometimes sell call options on shares they
L  own, with the expectation that the option will expire worthless (since the
N  price of the security is below the "strike price" of the option) as a way to
,  earn additional income on shares they own.
Short Positions
M  In either of these cases, you can enter a short sale transaction by marking
L  a sale transaction as a SHORT SALE using the SALE TYPE checkbox.  When you
N  do this, the cash proceeds from the sale will be posted to your account, and
G  a SHORT POSITION equal to the number of shares you sold short will be
K  created in your account.  A short position will show a negative number of
N  shares and a negative value.  This means that a short position is a position
  of liability.
K  It is possible to have both a "LONG" position and a short position in the
I  same security.  A long position refers to a normal ownership in shares.
I  This situation can happen, for example, if you own shares in a security
L  whose price has risen, and you have gain which you wish to lock in without
H  having an immediate capital gains tax liability.  You might do this by
L  selling short the stock in which you hold a long position until the end of
J  the tax year, at which time you might close your short position and take
K  your profits, thereby deferring your taxable gain into the following year
K  while avoiding the risk that the stock price might fall during that time.
#Capital Gains on Short Transactions
M  A short sale followed by an offsetting closing transaction or expiration of
G  an option in which you hold a short position is normally considered a
M  capital transaction for tax purposes.  For example, suppose you sell a call
L  option on XZY Corp. with a strike price of $25 for $200.  The strike price
L  is the price at which the buyer may purchase the shares.  If the shares at
J  the time of the option sale are below the strike price, then the options
M  have no intrinsic value, but the value is based on expectations of what the
N  price will be during the period of the option contract.  Suppose the options
Q  expire six months later, and at the time of expiration, the price of XYZ shares
L  is $23.  Then the option expires worthless (because the value of the right
J  to buy shares at $25 when they can be purchased on the market for $23 is
K  nil), and the seller has a capital gain of $200.  The buyer, in contrast,
  has a capital loss of $200.
*                                   Options
LOptions are a type of "derivative" investment.  They derive their value from
Lan underlying security.  Two kinds of options are commonly traded on stocks.
JThey are "call options" and "put options".  TRX allows you to enter option
Ltransactions just as you do for any other asset.  You simply define an asset
Kfor the option of interest.  Then enter transactions using the option asset
you have defined.
Call Options
NA call option confers on the buyer of the option the right to purchase a fixed
Knumber of shares of a given security at a fixed price within a limited time
Nframe.  For example, a 6-month call option on XYZ Corp. with a strike price of
N$60 gives the buyer the right to purchase 100 shares of XYZ Corp. common stock
Lat $60 per share within 6 months of the time of purchase.  Call options have
Ivalue because of the possibility that the underlying stock price may rise
Kabove the "strike price" of the option.  So, for example, if at the time of
Rexpiration of the XYZ Corp. option, XYZ Corp. shares are selling for $70, then the
option will be worth $10.
ICall options have several uses.  One is speculative, in that call options
Fallow a speculator to bet on a stock price rise and obtain significant
Kleverage, since one can usually purchase options on many shares at a modest
Icost.  They are risky, however, since most call options expire worthless.
IMore conservative investors sometimes use call options to earn additional
Jincome on their portfolios by selling call options on shares of stock they
Iown.  In this way they earn income from the sale, and, the only risk they
Kincur is that if the underlying stock (which they own) rises in value, they
Hwill not realize any appreciation in value above the strike price of the
Joption, since the option owner effectively earns that gain.  The sale of a
Lcall option by an investor on a security he owns is called a "covered call".
L"Covered" in this case refers to the fact that the seller of the option owns
Ithe underlying security.  This is a low risk strategy for earning income.
JOne can also sell a call option on a security he does not own, but in this
Lcase the risk is much higher, because the seller is obligated to deliver the
Isecurity to the buyer at the strike price during the period of the option
Mcontract.  If the seller does not own the stock, and if the stock price rises
Isignificantly, the seller of the option will have to buy the stock at the
Hhigher market price and sell it to the option holder at the lower strike
Gprice, thereby incurring a loss.  There is no limit to the size of this
Kpotential loss, since if the stock price continues to rise above the strike
price, the loss escalates.
Put Options
NA put option, in contrast to a call, gives its buyer the right to sell a fixed
Jnumber of shares of a certain stock at a fixed price within a limited time
Mframe.  Put options, like calls, have several uses, both speculative and non-
Lspeculative.  Speculators often buy put options when they believe the under-
Klying stock is overpriced.  Since a put option gives its owner the right to
Ksell a stock at a certain price, the option has value when the market price
Iof the stock falls below the strike price of the option.  For example, if
Man investor buys a 6-month put option on XYZ Corp. with a strike price of $50
Nand pays $1 per share (for a 100 share contract), and at the expiration of the
Joption, XYZ Corp. stock is trading at $40, then the put option will have a
value of roughly $10 per share.
MPut options can also be used by more conservative investors to hedge risk and
Lto defer taxable gains.  As a risk hedge, one might purchase a put option on
Ka stock one owns.  This allows the investor to lock in a gain at the strike
Mprice of the option.  If the stock falls below the strike price of the option
Nduring the option contract period, the value of the option rises to offset the
Jdecline in the value of the stock.  An investor with an unrealized gain on
Na stock, who wishes to sell the stock, but wants to defer the taxable gain can
Ndo so by purchasing a put option on the stock covering the number of shares he
Mowns.  The investor thereby locks in a gain at the strike price of the option
Mand need not worry about a drop in the stock price during the option contract
Eperiod.  Then, he can realize his gain on the stock and option later,
$presumably during the next tax year.
.Recording Opening and Closing Option Contracts
Purchases of Options
NAn option purchase for either a call or put option is entered using a purchase
Mtransaction.  There is no difference here between an option or any other type
of security.
Sale of Options
LAn option sale which is not a closing of an open option contract is recorded
Kas a short sale, since the short sale refers to the sale of any asset which
is not owned.
Closing of Option Contracts
JAn option contract is closed by using a transaction opposite of that which
Kwas used to open the contract.  So, to close a contract opened by buying an
Joption, use a sale.  To close an option opened by selling an option, use a
Ipurchase transaction.  If you enter a purchase or sale transaction for an
Moption in which you have an open contract, the program will automatically ask
+you if you wish to close the open contract.
Expiration of Option Contracts
JAn option expiration is recorded as if it were a closing transaction.  The
Kvalue entered in an expiration would be zero.  The program treats a capital
Jgain or loss on an expired option just as if the contract had been closed.
LHowever, it may be beneficial for you to treat the capital gain differently.
LFor example, if you sell a call on shares of stock you own, and the stock is
Icalled away at expiration of the option, you may benefit by reducing your
Lgain on the stock by the option premium, rather than recording a gain on the
Lsale of the option, because the stock sale may qualify for long term capital
Kgain tax treatment, even if the option has been held short term.  Check IRS
Gdocuments or your tax adviser for details on handling option contracts.
1                          Graphics Hardware Error
IThe program did not detect graphics hardware to allow plotting a graph on
Nyour computer.  If you want to use this feature, install a graphics card, such
as a VGA card.
3                         Graphics Driver File Error
LThis error occurs when the program cannot locate the graphic driver files it
Nneeds to create a plot.  The program searches the directories in your path for
Kthe files.  If this error occurs, look on your TRX directory for files with
Hfile extension .bgi (i. e. type dir *.bgi).  If the files are there, try
Mrunning the program from within that directory or including that directory in
.your path statement in your autoexec.bat file.
LIf you do find the files, check your TRX install disk for the files.  If you
Mfind them, copy them to your TRX directory using the DOS copy command.  To do
Dthis, put the disk in your floppy drive (say the a drive), then type
/                           copy a:\*.bgi c:\trx
5This command assumes your hard drive is your c drive.
1                            Graphics Memory Error
MThe program was unable to allocate enough memory to load the graphics driver.
KYou can reduce memory by reducing the size of your account (using the PURGE
Lcommand found under the EDIT menu item).  You may also install the protected
Mmode version of the program if you have a 286 or higher computer and you have
Iextended memory beyond 1 MB.  If you have already installed the protected
Nmode version and get this error message, you may have to install more extended
memory.
.                            Graphics I/O Error
IThis message occurs when an error occurs during the reading of a graphics
Lfile.  This may be caused by damage to the file.  In TRX the only files used
Fby the graphics routines are the drivers, so if this error occurs, try
Lreplacing all of the graphics drivers by copying them again from the install
disk.  Use the command
.                          copy a:\*.bgi c:\trx
LThis command assumes that you place the install disk in the a drive and that
;the c drive is your hard disk where you have installed TRX.
<                  Insufficient Memory to Import Transactions
HThis message is displayed when your computer has run out of memory while
Iattempting to import transactions from a QIF format data file.  There are
Jtwo solutions to this problem.  First, you may edit the QIF file to delete
Lsome of the transactions.  Although you should be able to reduce the size of
Kthe file sufficiently to allow you to import it, there is no certainty that
Jthe rest of the transactions can be entered into the account.  There is an
Lupper limit of 16,380 transactions in any account, so you cannot import more
Hthat this number of transactions into the program.  You can increase the
Gmemory available to the program by reducing the number of prices in the
Kcurrently selected asset.  To do this, just select an asset that has only a
Mfew prices entered, or create a new asset and do not enter any prices for it.
IThis will add memory, since the asset prices occupy some space in memory.
KIf you are importing fewer transactions than the maximum allowed, but still
Nhave this problem, then try using the protected mode version of the program on
Ga computer with extended memory.  To use this, you need a 286 or higher
Gmachine and some memory above 1 MB.  Protected mode can be installed by
Lrunning the install program on the install disk and answering YES when asked
Gif you want to install the protected mode version of the program.  This
Lversion should run on all 80386 machines and higher and most 80286 machines.
GIt will allow you to access all of the extended memory on the computer.
0                             Import Transactions
JThis command allows you to import transactions from a file in standard QIF
Iformat.  You can use this if you want to transfer an account from another
Lprogram to TRX.  To do this, you must first export the transactions from the
Nother program.  When you export the transactions, export only the transactions
Nand not the categories or any other information.  You must export each account
#separately, each into its own file.
-                                How To Import
LOnce you have created a file for importing, you first must create an account
Gfor the new data.  Use the CREATE ACCOUNT command to create the type of
Kaccount you wish to create.  Use a checking account to import BANK and CASH
Laccounts in general.  Use any other type to import INVESTMENT accounts.  You
Lmay also import checking accounts into investment or other types of accounts
Fif you wish, but you cannot import investment accounts into a checking
Faccount.  You cannot import liability, asset, or credit card accounts.
1                             Starting the Process
MWhen you start the import command, you will be asked if you are sure you want
Kto import data into the CURRENTLY SELECTED ACCOUNT.  Respond yes if you do.
KThe program will then search through the transactions in the file.  When it
Kencounters a security or asset, it will attempt to associate the asset name
Mwith any assets you have created already in TRX.  If it doesn't find a match,
Nit will ask if you want to associate the asset with an existing asset.  If you
Mdo, answer yes.  If not, the program will ask you if you want to create a new
Jasset for the item found in the file.  You must answer yes to one of these
Mquestions, because the program needs to have assets created for each security
Iit finds in the file to import.  Category names found on transactions are
treated in the same fashion.
-                                Adding Prices
NOnce you have imported the transactions, you will have to also import security
Kprices, because these do not come with the transactions in the standard QIF
Jfile format.  You can get these by exporting data from another program and
Kimporting it into TRX using the IMPORT ASSET VALUES command found under the
MFILE menu item.  For more details on this process, highlight this command and
Apress the F1 key or click HELP on the status line with the mouse.
.                                Import Details
NBecause the QIF format is limited, not all transaction details can be exported
Jin this format.  Therefore, TRX makes some assumptions when importing data
3that may not be correct.  These are detailed below.
LSALES -  QIF file format does not contain information about the tax basis of
I  assets sold, so TRX assumes FIFO assignment of shares to be sold when a
L  partial sale of shares occurs when you have multiple lots.  You can change
H  this by editing the transaction and selecting the desired sale method.
LSHORT SALES - QIF file format does not distinguish between a regular sale of
J  an asset held long and a short sale, so the program makes the assumption
M  that if assets are owned prior to the sale, it is a regular sale.  However,
J  if the sale transaction specifies more shares to be sold than are owned,
I  the owned shares are first sold, and the excess shares are treated as a
  short sale.
MPURCHASES - QIF file format does not distinguish between a normal purchase of
H  an asset and a purchase representing a closing transaction for a short
M  position.  TRX first checks to see if the asset being purchased has an open
K  short position.  If it does, it closes the position to the extent that it
M  can given the number of shares listed for the purchase.  If the purchase is
M  for a larger number of shares than the open short position, the excess over
L  those needed to close the short position are considered a normal purchase.
MMISCELLANEOUS INCOME AND EXPENSE - These items are normally translated by TRX
'  into BALANCE ADJUSTMENT transactions.
LDEPOSITS and WITHDRAWALS - These items, along with any transfer transactions
+  are recorded as deposits and withdrawals.
LTRANSFERS - TRX does not use transfer transactions, so these are recorded as
  deposits or withdrawals.
LSHARES IN/SHARES OUT - TRX does not have a separate category for movement of
I  shares into and out of accounts, so these are translated as deposit and
  withdrawal transactions.
6                        Assign Asset to Existing Asset
NWhen you import transactions from a standard QIF format file, when the program
Jencounters a security name, it has to know what the security is.  It first
Iasks you whether you want to assign the security to one of the assets you
Khave already created in TRX.  If you have an asset which corresponds to the
Lsecurity in question, you should assign it.  When you press the OK button on
Lthe dialog box, the existing assets will be displayed for you to select one.
NIf you do not already have an asset corresponding to the security in question,
Lyou must create a new one in the program.  Cancel the dialog box by pressing
Ithe CANCEL button with the mouse, and a new box will appear asking if you
Iwant to create a new asset for the security encountered.  You must either
Kassign the security to an existing asset or create a new asset to assign to
the security.
:                  Create a New Asset to Assign to Security
NWhen you import transactions from a standard QIF format file, when the program
Jencounters a security name, it has to know what the security is.  If first
Nasks you whether you want to assign the security to one of the assets you have
Malready created in TRX.  If you do not have a corresponding asset, it asks if
Lyou would like to create a new asset.  You should do this if you do not have
Jan existing asset to assign to the security found in the QIF file.  If you
Kwish to go back and assign the asset to an existing asset, press the CANCEL
Ibutton in the dialog box, and the program will give you another chance to
assign an asset.
3                           No Asset Created Warning
MThis warning is displayed when you have neither assigned nor created an asset
Kto associate with a security name found on a transaction in a QIF file.  If
Myou cancel the dialog box, no asset will be created, and the transaction will
Mbe deleted from the account.  If you want to insure that all transactions are
Jrecorded in your account, you must either assign each security found to an
7existing asset or create a new asset for each security.
:                      Assign Category to Existing Category
KWhen you import transactions from a QIF file, when the program encounters a
Icategory on a transaction it does not recognize, it first asks you if you
Kwant to assign that category to an existing category in TRX.  If you answer
HOK, it will display the existing categories for you to pick one.  If you
Kcancel the dialog box, it will ask if you want to create a new category. If
Lyou choose neither to assign the category to a new category, nor to create a
>new one, the NORMAL category will be used for the transaction.
3                          Create Category to Assign
KWhen you import transactions from a QIF file, when the program encounters a
Icategory on a transaction it does not recognize, it first asks you if you
Kwant to assign that category to an existing category in TRX.  If you answer
MCANCEL, it will then ask if you wish to create a new category.  If you answer
JOK, a dialog box will be displayed for you to enter information on the new
Lcategory.  If you fail to either assign the category or to create a new one,
Gthe program will assign the default category NORMAL to the transaction.
7                       QIF Category Not Created Warning
LIf, while importing transactions from a QIF format file, the program finds a
Ireference to a category it does not recognize, it asks you if you want to
Iassign the category to one of your existing categories or to create a new
Mcategory.  If you do not do either of these, the program displays the warning
@you just saw and assigns the NORMAL category to the transaction.
2                           Import QIF Data Warning
LThis warning is displayed when you activate the IMPORT TRANSACTIONS command.
JIf you answer OK to the dialog box, the import procedure will begin adding
Idata to the CURRENTLY SELECTED ACCOUNT.  Be sure that this is the account
Gthat you want to add data to.  If not, cancel the dialog box and either
Kselect another existing account or create a new account to import the data.
0                             QIF File Dialog Box
ISelect a QIF format file by either typing the name in the input panel, or
Gby pressing the TAB key to select one of the existing files.  The files
Kdisplayed by default are those having a file type of .QIF, but you may view
Lothers by typing *.* in the input panel.  Select the file you want by either
Htyping the name the pressing the ENTER key or clicking on the OK or OPEN
Ibutton, or by highlighting one of the listed files and clicking the OK or
OPEN button with the mouse.
/                              No QIF File Error
LThis message appears when the QIF file you tried to import transactions from
Jdoes not exist.  It means you probably mistyped the file name in the input
Lpanel of the file dialog box.  You may use the mouse to select from existing
Kfiles.  Type *.* in the input panel to see files with extensions other than
.QIF.
;                 Incorrect Import Type for Checking Account
HThis message appears when you try to import an investment account into a
Kchecking account.  A checking account is only designed to hold cash assets,
Kso investment accounts cannot be imported into checking accounts.  You can,
Lhowever, import checking and other cash accounts into investment accounts in
this program.
/                          Incorrect Import Type
NThis message appears when you attempt to import an incorrect account type into
Ethis program.  TRX is designed to handle cash accounts and investment
Faccounts.  It cannot import ASSET, LIABILITY, or CREDIT CARD accounts.
5                         Header Information Not Found
LThis message appears when TRX cannot find the proper header information in a
MQIF file it is trying to import.  The header information contains information
Ldescribing the type of account.  If you know that the file you are trying to
Nimport is a correctly formatted QIF file, but simply lacks the header for some
Lreason, you can edit the file and add the header.  The header has one of the
forms:
!Type:Invst
!Type:Bank
!Type:Cash
JThese must be located at the beginning of the file starting from the first
character position in the file.
,                                 Using Files
MDOS files can be used in several ways with this program.  You can export data
Iinto files using export commands found either under the FILE menu item or
Ifound as buttons or statusline commands when various windows are open and
Icontain information you may want to export.  Files can be exported in two
Kformats, in general.  You can export a file in standard ASCII format, which
Fsimply reproduces what you see on the screen, or you can use a special
Lspreadsheet format which encloses text items in quotation marks, so that you
Kcan import the data into a spreadsheet program as numeric data and preserve
Nthe appearance of the text as well.  A special interchange format is available
Nfor exporting asset values and account transactions.  This format, called QIF,
Lis widely used by other accounting programs, so you can export data that can
Hlater be imported by other programs to use.  For more information on the
Lexport commands, highlight the FILE menu item, and press the enter key, then
Fhighlight any of the commands of interest there and press F1 for help.
GYou can also import data from other programs or from online stock quote
Kservices using QIF format files.  Asset values can be imported in this way.
IYou can create files with security prices using online services.  You can
Jalso create files with transactions by exporting them from other programs.
KFor more details on these import commands, highlight the FILE menu item and
Jpress enter.  Then highlight the command of interest and press F1 for more
help.
-                                Asset Summary
MThis command displays a list of all existing assets in the program along with
Kearnings and dividend data on each.  You can sort the items in several ways
Lusing the button marked SORT.  Choose the sorting method by selecting one of
Kthe radio buttons with the mouse.  You can also export the screen to a text
Lfile by pressing the export button.  The data will be exported in the format
2as specified in the DEFAULT EXPORT FORMAT command.
2The following describe the available sort options:
ANAME       - This option sorts the assets alphabetically by name.
HPE         - This option sorts the assets in ascending order of price to
J             earnings ratio.  The price used is the price as of the end of
I             the reporting period, as defined under the DEFAULT REPORTING
K             PERIOD command.  The earnings value is taken to be the current
I             year earnings estimate.  You can change this value using the
7             EDIT menu item to edit the selected asset.
JYIELD      - This option sorts in decreasing order of dividend yield.  The
H             dividend is based on the current year dividend estimate (or
K             other interest rate, depending on the type of asset) which you
K             provide when you create or edit the asset.  You may change the
I             value using the EDIT ASSET command found under the EDIT menu
             item.
HEPS GROWTH - This option sorts in decreasing order of earnings per share
L             growth rate.  The growth rate is computed from the estimates of
G             current year and next year earnings.  You can change these
M             estimates using the EDIT ASSET command found under the EDIT menu
             item.
KDIV GROWTH - This option sorts in decreasing order of dividend growth rate.
K             The growth rate is computed from the estimates of current year
K             and next year dividends.  You can change these estimates using
C             the EDIT ASSET command found under the EDIT menu item.
LGROWTH/PE  - This option sorts in order of decreasing ratio of EPS growth to
B             PE, a measure often used as a measure of stock value.
-                                Asset Summary
NThis command displays a summary of your existing assets, including information
Lon earnings, dividends, and various ratios used for valuing assets.  You may
Kalso sort the items on the list in this window using several sort criteria.
4                        No Split Information Warning
KThis warning message means that you have indicated you want to save a split
Ntransaction in a checking account, but you did not enter any split information
Kinto the transaction.  This can occur inadvertently if you enter split data
Lwith amounts of 0.  Any split entry with a 0 amount is automatically deleted
Kfrom the transaction.  If you want to split a transaction, resave it making
Jsure the SPLIT TRANSACTION box is checked.  If you want to save it without
Jsplitting it, unmark the SPLIT TRANSACTION box and resave the transaction.
2                            Split Transaction Data
FUse this form to enter split transaction data.  To enter data, enter a
Ldescription of item in the left input panel.  Use the TAB key to move to the
Lnext panel (or use the mouse and click in the next panel).  You may type the
Lname of the category or you may click the button with the arrow to display a
Mlist of categories to choose from.  Choose the category by using the mouse to
Ldouble click the item, or single click the item and close the list using the
LOk button or by pressing the ENTER key.  Then use the tab key to move to the
NAMOUNT column and enter the amount of the item.  Press the NEW button to enter
Janother item, and proceed as before.  When you are finished entering data,
Kclose the dialog box by pressing the ENTER key or by pressing the Ok button
Hwith the mouse.  If you wish to change an item before you close the box,
Jselect it using the mouse from the displayed list.  The selected item will
Jthen appear in the edit panels above the list.  You can then edit the item
Mby clicking the mouse in the panel you wish to change and typing the changes.
NSave the changes by pressing the SAVE button.  When you do this the saved item
Cwill appear in the list below the edit panels with the new changes.
5                         What is a Split Transaction?
IA split transaction is used to record in a single transaction a number of
Kdifferent components of the transaction.  For example, suppose you pay $100
Kto a charitable organization for a ticket to a benefit dinner.  The charity
Itells you that the cost of the dinner is $25.   You would enter your $100
Gcontribution as a check made out to the charity, but, since only $75 is
Hconsidered a tax deductible charitable contribution, you could split the
Htransaction and identify $75 as a charitable contribution and mark it as
Ktax deductible, and record the remaining $25 as a normal expense.  When you
Ggenerate a TAX SUMMARY, only the tax deductible part of the check would
Nappear in the summary of tax deductible expenses (or charitable contributions,
Idepending on how your categories were defined).  You can also use this to
Mrecord your gross pay check as taxable income.  Deductions from your paycheck
Ewould then be shown as negative items having different tax treatment.
2                             Edit Asset Class Data
LThis window allows you to enter data for a new asset class or to change data
Mfor an existing class.  Enter the name for your class by typing in the panel.
MPress the TAB key to move to the next panel, or use the mouse to click in the
Gpanel you wish to type in.  The name can contain any characters up to a
Lmaximum of 15 characters.  The description can contain up to 255 characters.
5                           Error Creating Asset Class
KThis error occurs when a class cannot be created due to insufficient memory
Lor too many existing classes.  Only 256 classes are permitted, including the
J2 existing classes.  If you have too many classes and want to create a new
Kone, then first delete one of the old classes.  You cannot delete, however,
the 2 predefined asset classes.
3                          Error Editing Asset Class
JThis error occurs when you attempt to change one of the 2 predefined asset
Iclasses: (None) and Cash.  If you wish to add new classes, use the CREATE
LASSET CLASS command found under the CREATE menu item.  Once you have created
Ia class, you may change it in any way you like using the EDIT ASSET CLASS
'command found under the EDIT menu item.
4                          Delete Asset Class Warning
GWhen you delete a class, the information is permanently erased from the
Hprogram, and all assets referring to the category are changed to another
Lclass you choose to replace the deleted class.  You may wish to back up your
$data before deleting an asset class.
3                           Delete Asset Class Error
CThis error message occurs when you attempt to delete one of the two
;predefined asset classes.  These classes cannot be deleted.
0                              Select Asset Class
HYou may select a class to work with using the mouse or the keyboard.  To
Euse the mouse, click the mouse on the class you want to use.  You can
Nscroll the screen using the SCROLLBAR on the right.  To scroll down click with
Jthe mouse on the lower arrow or in the space above the lower arrow and the
Lbelow the indicator square.  To scroll up, click with the mouse on the upper
Karrow or in the space below the upper arrow and above the indicator square.
JOnce the item you wish to select is highlighted, click the OK button.  You
@may also select an item by double clicking on it with the mouse.
LTo use the keyboard, use the arrow keys or the Page Up and Page Down keys to
Khighlight the desired item.  Then press the SPACEBAR or press the ENTER key
to select the item.
1                           Create New Asset Class
JUse this command to create a new asset class.  You may enter a description
Cfor the new class to be used on asset allocation summaries as well.
3                           Invalid Asset Class Name
IYou must enter a nonblank class name.  You may enter any name you like up
Ito 15 characters, but it must be different from the existing class names.
.                            Edit Asset Classes
LUse this command to make changes to existing asset classes you have created.
/                          Delete an Asset Class
FUse this command to delete an existing asset class you no longer need.
JWhen you activate the command, you will asked to select a class to replace
Fthe deleted class on all assets.  The default choice is the predefined
asset class "(None)".
6                       Error Creating Asset Allocation
IThis error occurs when the program is unable to generate asset allocation
Hdata.  The problem is usually caused by insufficient memory.  If you are
Iusing the protected mode version of the program under WINDOWS, you may be
Lable to solve the problem by closing any other open windows you have on your
Gcomputer.  If this doesn't work or you are using the DOS version of the
Mprogram you should purge all old account data using the PURGE command.  Press
Nthe F10 key and highlight the PURGE TRANSACTIONS command (found under the EDIT
Mmenu item), then press F1 or click on the HELP statusline item for details on
Jusing the PURGE command.  If neither of these solves your problem, you may
Mneed more memory on your computer.  If you are using the DOS version and have
Junder 640K of memory, you can buy additional memory for your computer.  If
Nyou are using the DOS version and have a 80286 or higher machine, and you have
Mmore than 1MB of memory, you can try installing the protected mode version of
Hthe program.  If you are running the program under WINDOWS, you can exit
NWINDOWS (you should be using the protected mode version of the program in this
Kcase - if not, reinstall it) and run the program from DOS.  To do this type
Ccd \trx after exiting WINDOWS.  Then type trx to start the program.
3                           Asset Allocation Summary
JThis window displays data on how your assets are allocated.  The date used
Iis the last date of the REPORTING PERIOD as specified in the DEFAULT menu
item.
MEach asset class which you have defined (using the CREATE ASSET CLASS command
Jfound under the CREATE menu item) is listed along with a total value and a
Jpercentage of assets in the class.  Below each class the individual assets
Icontained in the class are listed along with their values and percentages
of the total.
KYou can specify whether to use the FIRST asset classification or the SECOND
Iclassification and whether to include only the currently selected account
Hor all accounts.  Checking accounts are excluded by default, but you can
Kinclude them by using the INCLUDE CHECKING ACCOUNTS command found under the
DEFAULT menu item.
A                 Display Asset Allocation by First Classification
MThis command allows you to display a list of assets by the first asset class.
MClasses are those you define using the CREATE ASSET CLASS command found under
Lthe CREATE menu item.  You can assign two classes to each asset (either when
Kyou create an asset or by using the EDIT ASSET command found under the EDIT
Kmenu item), and display allocations by either of the classes.  You can also
Lspecify whether to include only the currently selected account or to include
Iall accounts.  Checking accounts can be included or excluded by using the
LDEFAULT INCLUDE CHECKING ACCOUNTS command found under the DEFAULT menu item.
A                Display Asset Allocation by Second Classification
NThis command allows you to display a list of assets by the second asset class.
MClasses are those you define using the CREATE ASSET CLASS command found under
Lthe CREATE menu item.  You can assign two classes to each asset (either when
Kyou create an asset or by using the EDIT ASSET command found under the EDIT
Kmenu item), and display allocations by either of the classes.  You can also
Lspecify whether to include only the currently selected account or to include
Iall accounts.  Checking accounts can be included or excluded by using the
LDEFAULT INCLUDE CHECKING ACCOUNTS command found under the DEFAULT menu item.
H    Display Asset Allocation by First Classification for Current Account
MThis command allows you to display a list of assets in the currently selected
Maccount by the first asset class.  The classes are those you define using the
LCREATE ASSET CLASS command found under the CREATE menu item.  You can assign
Jtwo classes to each asset (either when you create an asset or by using the
NEDIT ASSET command found under the EDIT menu item), and display allocations by
Neither of the classes.  Checking accounts can be included or excluded by using
Jthe DEFAULT INCLUDE CHECKING ACCOUNTS command found under the DEFAULT menu
item.
F     Display Asset Allocation by First Classification for All Accounts
MThis command allows you to display a list of assets by the first asset class.
MClasses are those you define using the CREATE ASSET CLASS command found under
Lthe CREATE menu item.  You can assign two classes to each asset (either when
Kyou create an asset or by using the EDIT ASSET command found under the EDIT
Gmenu item), and display allocations by either of the classes.  Checking
Jaccounts can be included or excluded by using the DEFAULT INCLUDE CHECKING
3ACCOUNTS command found under the DEFAULT menu item.
I    Display Asset Allocation by Second Classification for Current Account
MThis command allows you to display a list of assets in the currently selected
Naccount by the second asset class.  The classes are those you define using the
LCREATE ASSET CLASS command found under the CREATE menu item.  You can assign
Jtwo classes to each asset (either when you create an asset or by using the
NEDIT ASSET command found under the EDIT menu item), and display allocations by
Neither of the classes.  Checking accounts can be included or excluded by using
Jthe DEFAULT INCLUDE CHECKING ACCOUNTS command found under the DEFAULT menu
item.
G     Display Asset Allocation by Second Classification for All Accounts
NThis command allows you to display a list of assets by the second asset class.
MClasses are those you define using the CREATE ASSET CLASS command found under
Lthe CREATE menu item.  You can assign two classes to each asset (either when
Kyou create an asset or by using the EDIT ASSET command found under the EDIT
Gmenu item), and display allocations by either of the classes.  Checking
Jaccounts can be included or excluded by using the DEFAULT INCLUDE CHECKING
3ACCOUNTS command found under the DEFAULT menu item.
F        Attempt to Alter Transaction Affecting Subsequent Transactions
JThis error message indicates that you have attempted to modify or create a
Nnew transaction of one of the following types:  Stock Split, Sale, Withdrawal,
LTax Basis Adjustment, Return of Capital, OID Interest, or Purchase closing a
Nshort position, and there exist later transactions involving the same asset as
Kin the present transaction of type: Sale, Withdrawal, Tax Basis Adjustment,
FReturn of Capital, OID Interest, or Purchase closing a short position.
MThe problem this causes is that each of the transactions listed in the second
Klist above makes use of prior transaction data from the first list above in
Icomputing tax basis of assets.  Changes in transactions in the first list
Gabove would invalidate the tax basis information contained on the later
Jtransactions of the types listed in the second list.  Consequently you are
Inot permitted to make such changes.  However, you can make changes to the
 memo portion of the transaction.
NIf you need to correct a transaction of this type, first delete any subsequent
Ntransaction of the type listed in the second list above, then make the change.
LFinally, enter the subsequent transactions which were deleted again, and the
"tax basis data will be recomputed.
0                               Default Tax Rates
MUse this command to set your marginal tax rates for ordinary income, and long
Jand short capital gains.  These marginal tax rates are used to compute the
5after tax rate of return on your accounts and assets.
2                             Set Default Tax Rates
LEnter your marginal tax rates in the appropriate boxes.  The ordinary income
Grate is your marginal tax rate on ordinary income, such as interest and
Fdividends.  The long gain rate is your marginal tax rate for long term
Lcapital gains.  The short gain rate is your marginal tax rate for short term
capital gains.
HMarginal tax rates are used to estimate your after tax rate of return on
Laccounts and assets.  A marginal tax rate is the rate at which you pay taxes
Lon your "last dollar of income".  You can estimate these rates by using your
NSchedule 1040 instructions.  Estimate your ordinary tax rate by looking at the
Ktax table or schedule you used to compute your income tax.  To do this, use
the following procedure:
For ordinary income:
I  Add $100 to your taxable income, and figure the tax on it using the tax
K  table.  Subtract your actual tax from this new tax.  The resulting number
/  is your marginal tax rate on ordinary income.
For capital gains:
G  Add $100 to your capital gains in Schedule D.  For figuring long term
J  marginal tax rate, add the figure to your long term gains, and for short
J  term rates, add to your short term gains.  Now, recompute your tax using
J  the tax table or tax rate schedules.  Then, subtract, in each case, your
I  actual tax.  The difference is your marginal tax rate on capital gains.
-  Do this both for long and short term gains.
3                            Registering the Program
KThis program is protected under U. S. copyright law.  You are authorized to
Huse the program for up to 30 days for evaluation purposes only.  You may
Jfreely distribute the program to others for this purpose as well.  You may
Hregister the program by paying the registration fee as described in this
Lwindow.  Payment of the registration fee authorizes you to use a single copy
of the program.
3                            Registering the Program
KThis program is protected under U. S. copyright law.  You are authorized to
Huse the program for up to 30 days for evaluation purposes only.  You may
Jfreely distribute the program to others for this purpose as well.  You may
Hregister the program by paying the registration fee as described in this
Lwindow.  Payment of the registration fee authorizes you to use a single copy
of the program.
+                               Printer Port
NEnter the name of the printer port to which to wish to send the data to print.
JThe printer port is usually a name such as LPT1, LPT2, LPT3, etc.  You may
Jalso enter the name of a file, then print the file.  If you use Windows NT
,enter the name of a file and print the file.
.                            Printer Port Error
LThe printer is either not ready, not properly connected to your computer, or
Kyou have specified an incorrect printer port.  Check first that the printer
Mis connected and that it is ONLINE.  Then check the port to which the printer
Mis connected.  You can test this in DOS by copying a short file (such as your
Mautoexec.bat file to LPT1 or whatever you believe the correct port to be.  If
Nthe file prints correctly, then the port is correct.  In Windows you can check
Gthe Print Manager to see which printer(s) are connected to which ports.
2                           Enter Registration Code
JAfter you have paid the registration fee for the program, you will receive
Ha registration code, either by mail or email.  Use this command to enter
Hthe registration code.  Entering this code will disable the registration
Cscreen which appears on startup of the program, and will remove the
<designations of unregistered from the About command display.
2                           Enter Registration Code
KEnter the registration code received from the software vendor here.  If you
Ldo not have the code, see instructions for registering the program under the
Hints menu item.
4                         Incorrect Registration Code
HYou have entered a registration code that is incorrect for this program.
DPlease obtain a correct registration code from the program author by
Lfollowing the instructions for registration given under the Hints menu item.
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