



















           
           
           
                               Promissory Note Program
           
                                    Version  2.00
           
                                   January 10, 1994
           
           
           
           
           
           
           
           
           
           
                                Copyright 1988 - 1994
                                          by
                             J A M E S   H U C K A B E Y
                                software with a heart
           
           
                                  James H. Huckabey
           
           
           
           
           
           
           
           
                            Turbo Basic' compiled program
                            (trade mark and copyrights of
                            Borland International, Inc.).
           



                                                                          1







                                  Table of Contents
           
               User-Supported Software............................page  3

               Disclaimer.........................................page  4 
           
               System Requirements................................page  5
           
               What The Program Does..............................page  5
           
               Backing Up The Program.............................page  5
           
               Running The Program................................page  7
           
               Promissory Note Menu...............................page  7
           
               ******* NOTES *******..............................page  7
           
                    <A> Note - Payee/Maker........................page  9
           
                    <B> Note - Renew Payable......................page 13
           
                    <C> Note Receivable - Buy/Sell................page 20
           
                    <D> From The Author...........................page 25

                    <E> Exit Program..............................page 26
           
               Screen Displays and Printouts......................page 27
           
               Glossary...........................................page 28
           
               Index..............................................page 30
           
               Invoice............................................page 31
           

















                                                                          2







                               USER-SUPPORTED SOFTWARE
           
               User-supported software,  which is also known  as Shareware,
          is an experiment in  microcomputer software distribution based on
          The following principles:
           
               1. That  the value or worth  of a program is  best judged by
          the individual user using the program on his/her own machine.
           
               2.  That  the  creation and  distribution  of  microcomputer
          software  can be  financially  supported by  users at  reasonable
          cost.
           
               3.  That the copying and sharing of software can and is 
          encouraged. 
           
               Anyone may  request a  copy of  a user-supported  program by
          sending  a blank, formatted disk to the author of the program. An
          addressed, postage-paid return mailer must accompany the disk (no
          exceptions, please). A copy of the program, with documentation on
          the disk, will be sent  by return mail. The program will  carry a
          notice suggesting a contribution  to the program's author. Making
          a contribution is completely voluntary. 
           
               Free distribution of software  and voluntary payment for its
          use eliminates costs for advertising and copy protection schemes.
          Users  obtain quality software at  reduced cost. They  can try it
          out before buying, and do so at their own pace and in the comfort
          of their own home or office. The best programs will survive based
          purely on their quality and usefulness.
           
               Please join the experiment.  If you share a belief  in these
          principles,  your contribution  is  requested to  help make  this
          work.  Regardless of  whether you  make a  contribution,  you are
          encouraged to copy and share this program.
           
           
                                  PERMISSION TO COPY
           
               Individuals, clubs, and  other non-profit organizations  are
          granted permission by the authors to freely copy this program and
          documentation and share it with their members, so long as:

          1.  No  price  is  charged for  the  software  or  documentation.
          However, a distribution, copying  cost or charge for the  cost of
          the diskette, so long as it is not more than $6.00 total. 
           
          2.  Club  members be  informed  of  the user-supported  idea  and
          encouraged to support it with their donations. 
           
          3.  The program(s) or documentation  are not modified  in any way
          and they are distributed together. 

                                                                          3







                                  Your Contribution 
           
               Please  send  your  contribution, $10  is  suggested,  name,
          address and version number to the following:
           
                                    James Huckabey
                                 3621-A Fraser Street
                           Bellingham, WA 98226-2473 U.S.A.
                           (206) 671-2868  (voice, Pacific)
           
               It is important that  your current version number is  on all
          correspondence.  The  complete archive  (see ARCHIVE.TXT)  may be
          freely  copied and passed on  (non-altered programs), they may be
          combined with other shareware programs. 
           
               A Site License  is available for  commercial use where  more
          than one copy is running at one time; cost is $25 and there is no
          limit to the number of copies in use at that site. 
           
               We  would also  enjoy just  hearing your likes  and dislikes
          about any  of our programs. We are open to suggestions on how our
          programs might be improved, all suggestions are evaluated. 
           
               If  you are having program  problems, you may  be running an
          altered  and/or non-authorized  version.  Please send  us a  note
          along  with   the  version  number   and  the  problem   you  are
          experiencing. Please include a self addressed stamped envelope if
          you expect a reply, there are no exceptions. 
           
               Please give complete details, printouts, screen dumps,  etc.
          You  can  make notes  directly on  printouts showing  problems or
          suggestions. Thank you. 
           
           
                                      DISCLAIMER
           
               In  no event  will  the Authors  be liable  to  you for  any
          damages, including any lost profits, lost savings, or other 
          incidental  or consequential damages arising out of the use of or
          inability to use the program or unfamiliarity of the user with 
          DOS, BASIC, BASICA/GWBASIC or BASIC compilers, even if the Author
          has been advised of the possibility of such damages, or for any 
          claim by any other party. 










                                                                          4







                                 SYSTEM REQUIREMENTS

               IBM PC or compatible, minimum of 256K RAM, 80 column screen,
          DOS (disk operating system),  optional 80 column printer (program
          does display calculations on the screen, printing similar data on
          printer).  IBM  PC  is  a copyright  trademark  of  International
          Business Machines Incorporated. 
           
           
                                WHAT THE PROGRAM DOES
           
               The program is  menu driven and most  instructions appear on
          the screen in the form of prompts. The program allows  you to see
          and  print detailed reports for yourself or clients and should be
          useful in home or office. 
           
               The program can calculate the maturity value of a Promissory
          Note  using  starting  (transaction)   date  and  term.  It  also
          calculates  late days using date  of note and  current date, adds
          interest if there are late charges 
           
               All pertinent information is displayed on the screen. In all
          options a  summary is displayed in  a form of totals  and in most
          cases, details involved can also be displayed in report format or
          sent to the printer. Also, in each option, pressing <ENTER> loads
          in previous data entered since starting program. 
           
           
                                BACKING UP THE PROGRAM
           
               As  with any program that  is not copy  protected, never run
          the  original copy. Make a  backup using the  DISKCOPY command as
          follows: 
           
          *** WARNING,  ANY INFORMATION  ON THE  TARGET DISKETTE  IS ERASED
          DURING THE DISKCOPY OPERATION (use a new diskette if possible). 
           
               Single drive: With your DOS disk in drive A:, type `DISKCOPY
          A: A:'. You  are prompted to  put the source  disk (source  being
          NOTES disk) in DRIVE A: and to press <ANY KEY>.  Pressing any key
          starts the copying process.  You are then prompted to  insert the
          target  diskette, which  does not  have to  be formatted,  and to
          press  <ANY KEY>. This process  is repeated until  the copying is
          completed. 
           
               Dual  drives:  With  your DOS  disk  in  drive  A:, type  in
          `DISKCOPY  A: B:', you are prompted to insert the source diskette
          in drive  A: and the target  diskette in drive B:  and press <ANY
          KEY>, pressing any  key starts  the copying  process. The  target
          diskette does not need to be formatted. 



                                                                          5







               Either of  the routines  may  be repeated  by answering  the
          repeat prompt with a <Y>. You  may also use the wild card routine
          to copy the information on the diskette to another floppy or hard
          drive (this is  the only way  to install this  program on a  hard
          drive). 
           
               Hard  Drives: Make sure you  are in the  proper directory on
          the  destination drive. Place the source diskette in drive A: and
          type  in `COPY A:NOTES.EXE' and  press <ENTER>. This  is the only
          file  required, however, the .DOC and READ-ME files are there for
          your instruction and  may be  copied using the  same syntax,  but
          they are not required for the program's execution. 
           
               Whatever  the  process, you  should  have  NOTES.EXE on  the
          operational disk  but  remember when  passing  on copies  of  the
          program to others make sure you pass along all three files. 





































                                                                          6







                                 RUNNING THE PROGRAM
           
               Since  this  is  a  compiled BASIC  program,  you  start  it
          directly from DOS or start up level. The only requirement is that
          the  program be located somewhere in your PATH statement. Type in
          `NOTES'  and press  <ENTER>, the  title  is displayed  along with
          copyright data.  You are  prompted to  press <ENTER>, the  screen
          then displays information about the authors and contribution. 
           
               If you find  this program helpful  and use  it on a  regular
          basis,  you should  pay for  it. It  is you,  the end  user, that
          determines  what programs  are  good and  useful.  Please do  not
          remove any of this information from the program or documentation.
          Leaving this  information in the  program assures  that the  next
          person is  informed about  payment, copying information  and what
          files are included in the program package (thank you). 
           
               After pressing <RETURN> a second time, screen displays: 
           
           
                                 Promissory Note Menu
           
                            <A> Note - Payee/Maker        
           
                            <B> Note - Renew Payable      
           
                            <C> Note Receivable - Buy/Sell

                            <D> From The Author           

                            <E> Exit Program              
           
                                  Press Choice <A-E>
           
                                   James Huckabey 
                                software with a heart
           
           
               Pressing <A-E> takes you to the appropriate option, upper or
          lower case  letters may be  used, pressing <E>  takes you to  the
          termination option where you  must press <Y> to terminate  or you
          are returned to the Main Menu. 
           
           
                                ******* NOTES *******
           
               The key buffer  has been  disabled on the  menu, this is  to
          help prevent going to wrong options. 





                                                                          7







               All inputs  in this program are made  within bracket symbols
          `[  ]' whether  they are number  or letters. The  brackets are to
          guide you, mainly for word entries, on remaining space available.
          On number entries  only numbers may be entered and  on those that
          use a decimal place,  the decimal is acceptable. On  entries such
          as names,  any keyboard symbol may be  entered. To edit an entry,
          you may use the <BACK  SPACE> to erase all or part  of any entry.
          When your entry is as you want it, the pressing of <ENTER> enters
          the data into the program.
           
               Once you make an entry into a option, the  entries remain in
          memory  for all  returns  and exits  from  the particular  option
          (during the current running of the program, when you exit at data
          is erased), with the  exception of names which are carried to all
          options. Upon  returning  to  an  option,  the  current  data  is
          displayed beneath the option heading,  and all you have to do  is
          press <ENTER>  at each of the input  prompts and previous data is
          automatically restored. 
           
               The only exception to the auto-reload  is that if there is a
          current  value, the program has  converted the term  into days to
          calculate  days used and days remaining. In these cases, the term
          must be reentered because the term and type are erased (10 Days).






























                                                                          8







                                <A> Note - Payee/Maker
           
               Press <A> from the Main Menu, screen displays (one at a 
          time): 
           
                     Enter Payee's name                     [  ]
           
                     Enter Maker's name                     [  ]
           
               You  are  returned to  this  screen and  position  after all
          operations in this option. You are prompted to type  in Payee and
          then Maker's  name, with the  maximums being 32  characters. Both
          inputs have the same restrictions, they may not be left blank and
          must  be filled  the  first time  through.  After the  names  are
          entered, the screen displays: 
           
                   What is the transaction date, mm-dd-yyyy [ - - ]
           
               You are prompted  to type in the  date using both  the BASIC
          and DOS format 01-01-1988.  The entry must contain 8  characters,
          the program supplies  the dashes.  The input must  be filled  the
          first time  through and must  be greater  than 1979.  If you  are
          going to  use the current date  you can press <ENTER>  to load in
          the current date. If you  already have a date entered,  to change
          it  you must type in the new  date. After the transaction date is
          entered, the screen displays: 
           
             Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data
           
               You are prompted to choose a  type of term, days, months  or
          years. Pressing <ESC> returns  you to the transaction  date input
          position. Pressing term option, displays one of the following: 
           
                   How many days                               [  ]

                   How many months                             [  ]

                   How many years                             [  ]
           
               The input must be  filled the first time through,  cannot be
          less than one, days  greater than 365 become 365,  months greater
          than 12 become 12 and  years greater than 50 become 50.  After an
          acceptable entry, the program calculates the transaction date and
          term, screen displays: 
           
                   Maturity date is                    : 01-01-1988
           
                   What is the principal amount                [  ]





                                                                          9







               You are prompted to type in the Principal Amount. This entry
          must  be filled  the first  time through,  the entry  here cannot
          exceed $999,999 or the  program beeps at you  and returns you  to
          the  entry  position.  After  the  principal  entry,  the  screen
          displays:

                    Is there an interest charge? Press <Y> or <N>
           
               Pressing  <N> skips the next step and erases the prompt from
          the screen. Pressing <Y>, the screen displays: 
           
                   What is the interest rate,<F2>=0           [  ]

               You  are prompted to type in the  interest. The entry may be
          made in decimal or whole number, the program converts all entries
          into  decimal, both are displayed  on the screen  after you press
          <ENTER>.  If  you are  entering  interest  using whole  or  mixed
          numbers (10  or 10.1) and want  to input less than  1% (.01), you
          must  use a  leading zero or  the number  must be  converted to a
          decimal. 
           
               Interest rate must not be negative, less than .1% (.001), or
          greater than 100%  (1.00) or  the program beeps  and repeats  the
          process  until input is acceptable.  If you are  entering 100% it
          must be entered as  a whole number (100) since the program checks
          the  first character  for a  decimal point  when converting  from
          whole  number  to decimal  and  cannot  distinguish between  1.00
          (100%) and 1 (1%). 
           
               You may press  <F2> to remove an  interest rate, if  this is
          your first interest input,  pressing <ENTER> without any  data is
          also a zero  rate. After interest is  entered, the input line  is
          replaced by the following line: 
           
                    Interest is                          $  99.99
           
               If the maturity date is past the current system date, screen
          displays: 
           
                    Is there an interest charge? Press <Y> or <N>
           
               Pressing  <N> skips the next step and erases the prompt from
          the screen. Pressing <Y>, the screen displays: 
           
                   What is the interest rate, <F2>=0           [  ]








                                                                         10







               You are prompted  to type in the interest.  The entry may be
          made in decimal or whole number, the program converts all entries
          into  decimal, both are displayed  on the screen  after you press
          <ENTER>.  If  you  are entering  interest  using  whole or  mixed
          numbers (10  or 10.1) and want  to input less than  1% (.01), you
          must use  a leading zero  or the  number must be  converted to  a
          decimal. 
           
               Interest rate must not be negative, less than .1% (.001), or
          greater than 100%  (1.00) or  the program beeps  and repeats  the
          process  until input is acceptable.  If you are  entering 100% it
          must be entered as a whole number (100) since the program  checks
          the  first  character for  a decimal  point when  converting from
          whole  number  to decimal  and  cannot  distinguish between  1.00
          (100%) and 1 (1%). 
           
               You may press  <F2> to remove  an interest rate, if  this is
          your first interest input, pressing  <ENTER> without any data  is
          also a zero rate. All late charges are converted to days for ease
          in calculating  days expired since Maturity Date and is displayed
          as days both on  the screen as well as printouts.  After interest
          is entered, the input line is replaced by the following line: 
           
                   Interest is                              $  9.99
           
             Press <P>=print, <S>=screen, <ENTER>=new data or <ESC>=Menu
           
               Because of  the vast amount of input  variances and results,
          the  data is  printed on  the  screen in  the same  format as  is
          printed on the printer. Press <P>  to print, <S> to display  data
          on the screen, <ENTER> to enter new/change data or <ESC> to 
          return to the Menu. 
           
               Depending on  the entries,  maturity date and  late charges,
          the program displays the following data, (labeled, here, for ease
          in reading) is displayed along with header: 
           
          (interest bearing note with late charge) 
           
                  Principal X       Rate      X Term days = Interest 
                     999.99 X 0.0120 = 12.00% X 365 days  =  119.99 
           
                  Principal + Interest = Maturity Value 
                     999.99 +  119.99  = $  1,119.99 
           
               Maturity Value X    Late Rate    X Term Days = Late Charge 
                    1,119.99  X 0.0100 = 10.00% X 12 days   = $  3.68 
           
               Maturity Value + Late Charge = Total Now Due 
                    1,119.99  +    3.68     =  $ 1123.67 
           
          -------------------> 

                                                                         11







          This is a non-interest bearing note (with late charge) 
           
                     Maturity Value : Term days 
                        999.99      :  365 days 
           
             Maturity Value X    Late Rate    X Term Days = Late Charge 
                     999.99 X 0.0100 = 10.00% X 12 days   =  $  3.28 
           
             Maturity Value + Late Charge = Total Now Due 
                     999.99 +    3.28     =  $ 1003.27 
           
           
              Press <P> to print, <ENTER> for new data or <ESC> for Menu
           
           
               You are prompted to press <P> to print data, <ENTER> for new
          data  of  <ESC> for  Main  Menu. You  may  press your  choice the
          <ENTER> option is there to allow you to change any or all data. 
           
               Remember  on  returning  to  the name  entry  position,  the
          pressing of <ENTER> in any input restores previous data, allowing
          for ease in corrections or adjustments. 
           
               If you  make errors  during the entries,  continue with  the
          rest of your  inputs and then  at the printer/screen/exit  prompt
          press  <ENTER>  repeatedly  until  you  reach  the  entry  to  be
          corrected. When you reach the  entry to be changed, just type  in
          the new data and proceed as before. 
           
           
                      *** see Screen Displays and Printouts ***
           





















                                                                         12







                               <B> Note - Renew Payable
           
               Press <B> from the Main Menu, screen displays (one at a
          time): 
           
                   Enter Payee's name                          [  ]
           
                   Enter Maker's name                          [  ]
           
               You  are  returned to  this  screen and  position  after all
          operations in this option. You are prompted to type  in Payee and
          then Maker's  name, with the  maximums being 32  characters. Both
          inputs have the same restrictions, they may not be left blank and
          must  be filled  the  first time  through.  After the  names  are
          entered, the screen displays: 

           
          _________________ Old Promissory Note Information _______________

           
                   What is the date of the note, mm-dd-yyyy [ - - ]
           
               You are prompted to  type in the  date using both the  BASIC
          and DOS format  01-01-1988. The entry must contain  8 characters,
          the program supplies  the dashes.  The input must  be filled  the
          first time through and must be  greater than 1979. If you already
          have a date entered,  to change it you  must type in a new  date.
          After the date of the note is entered, the screen displays: 
           
             Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data
           
               You are prompted to  choose a type of term, days,  months or
          years. Pressing <ESC>  returns you to the transaction  date input
          position. Pressing term option, displays one of the following: 
           
                   How many days                              [  ]

                   How many months                            [  ]

                   How many years                              [  ]
           
               The input must be  filled the first time through,  cannot be
          less than one, days  greater than 365 become 365,  months greater
          than 12 become  12 and years greater than 50  become 50. After an
          acceptable entry, the program calculates the transaction date and
          term, screen displays: 
           
                   What is the principal amount               [  ]





                                                                         13







               You are prompted to type in the Principal Amount. This entry
          must  be filled  the first  time through,  the entry  here cannot
          exceed $999,999 or the  program beeps at you  and returns you  to
          the  entry  position.  After  the  principal  entry,  the  screen
          displays: 

                   Maturity date is                    : 01-01-1988
           
                    Is there an interest charge? Press <Y> or <N>
           
               Pressing  <N> skips the next step and erases the prompt from
          the screen. Pressing <Y>, the screen displays: 
           
                   What is the interest rate, <F2>=0           [  ]
           
               You are prompted to type  in the interest. The entry may  be
          made in decimal or whole number, the program converts all entries
          into  decimal, both are displayed  on the screen  after you press
          <ENTER>.  If you  are  entering  interest  using whole  or  mixed
          numbers (10  or 10.1) and want  to input less than  1% (.01), you
          must use  a leading zero  or the  number must be  converted to  a
          decimal. 
           
               Interest rate must not be negative, less than .1% (.001), or
          greater than 100%  (1.00) or  the program beeps  and repeats  the
          process  until input is acceptable.  If you are  entering 100% it
          must be entered as a whole number (100)  since the program checks
          the first  character for  a  decimal point  when converting  from
          whole  number  to decimal  and  cannot  distinguish between  1.00
          (100%) and 1 (1%). 
           
               You may press  <F2> to remove an  interest rate, if this  is
          your first interest  input, pressing <ENTER> without any  data is
          also a zero rate.  After interest is  entered, the input line  is
          replaced by the following line: 
           
               If the maturity date is past the current system date, screen
          displays: 
           
                  Number of days past maturity is         : 10 days
           
                    Is there an interest charge? Press <Y> or <N>

               Pressing <N> skips the next step and erases the prompt from 
          the screen. Pressing <Y>, the screen displays: 
           
                   What is the interest rate, <F2>=0           [  ]






                                                                         14







               You are prompted  to type in the interest.  The entry may be
          made in decimal or whole number, the program converts all entries
          into  decimal, both are displayed  on the screen  after you press
          <ENTER>.  If  you  are entering  interest  using  whole or  mixed
          numbers (10  or 10.1) and want  to input less than  1% (.01), you
          must use  a leading zero  or the  number must be  converted to  a
          decimal. 
           
               Interest rate must not be negative, less than .1% (.001), or
          greater than 100%  (1.00) or  the program beeps  and repeats  the
          process  until input is acceptable.  If you are  entering 100% it
          must be entered as a whole number (100) since the program  checks
          the  first  character for  a decimal  point when  converting from
          whole  number  to decimal  and  cannot  distinguish between  1.00
          (100%) and 1 (1%). 
           
               You may press  <F2> to remove  an interest rate, if  this is
          your first interest input, pressing  <ENTER> without any data  is
          also a zero rate. All late charges are converted to days for ease
          in calculating  days expired since Maturity Date and is displayed
          as days both on  the screen as well as printouts.  After interest
          is entered screen displays: 
           
               Is previous interest to be paid now  ? Press <Y> or <N>
           
               You are  prompted as to whether  the interest is to  be paid
          now <Y> or added to maturity value on new note <N>. Regardless of
          your response the program checks to see if current date is beyond
          the maturity date, if so, the screen displays: 
           
                    Is there an interest charge? Press <Y> or <N>
           
               Pressing  <N> skips the next step and erases the prompt from
          the screen. Pressing <Y>, the screen displays: 
           
                   What is the interest rate, <F2>=0           [  ]
           
               You are prompted to type  in the interest. The entry may  be
          made in decimal or whole number, the program converts all entries
          into  decimal, both are displayed  on the screen  after you press
          <ENTER>. If  you  are  entering  interest using  whole  or  mixed
          numbers (10  or 10.1) and want  to input less than  1% (.01), you
          must  use a  leading zero or  the number  must be  converted to a
          decimal. 
           
               Interest rate must not be negative, less than .1% (.001), or
          greater than 100%  (1.00) or  the program beeps  and repeats  the
          process  until input is acceptable.  If you are  entering 100% it
          must be entered as a whole number (100)  since the program checks
          the  first character  for  a decimal  point when  converting from
          whole  number  to decimal  and  cannot  distinguish between  1.00
          (100%) and 1 (1%). 

                                                                         15







               You may press <F2>  to remove an  interest rate, if this  is
          your first interest input,  pressing <ENTER> without any data  is
          also a zero rate. All late charges are converted to days for ease
          in calculating days expired since Maturity  Date and is displayed
          as days both on the  screen as well as printouts. After  interest
          is entered screen displays: 
           
                  Are late charges to be paid now ? Press <Y> or <N>

               You are prompted  as to whether the  interest is to be  paid
          now <Y> or added to maturity  value on new note <N>. Depending on
          your  responses, one  or  more of  the  following statements  are
          displayed: 
                     Interest due on principal amount is  $  9.99
                                          or
                     Interest added to principals is     $  9.99
           
                     Late charges due on principal are    $  9.99
                                          or
                     Late charges added to principal are  $  9.99
           
               These are then followed by one of the following statements: 
           
                    Total interest due at this time is   $  19.98
                                          or
                    Total interest added to principal is  $  19.98
           

          _________________ New Promissory Note Information _______________

           
                            Principal amount is $  999.99
                                          or
                         New principal amount is   $ 1009.98
           
               If  there is  an  interest  amount  to  be  added,  the  new
          principal  amount reflects  this result, if  no interest  (due or
          late  charges) the amount  shown is the same  amount shown in the
          original note. 
           
                    Is there an interest charge? Press <Y> or <N>
           
               Pressing  <N> skips the next step and erases the prompt from
          the screen. Pressing <Y>, the screen displays: 
           
                   What is the interest rate, <F2>=0           [  ]







                                                                         16







               You are prompted  to type in the interest.  The entry may be
          made in decimal or whole number, the program converts all entries
          into  decimal, both are displayed  on the screen  after you press
          <ENTER>.  If  you  are entering  interest  using  whole or  mixed
          numbers (10  or 10.1) and want  to input less than  1% (.01), you
          must use  a leading zero  or the  number must be  converted to  a
          decimal. 

               Interest rate must not be negative, less than .1% (.001), or
          greater than 100%  (1.00) or  the program beeps  and repeats  the
          process  until input is acceptable.  If you are  entering 100% it
          must be entered as a whole number (100) since the program  checks
          the  first  character for  a decimal  point when  converting from
          whole  number  to decimal  and  cannot  distinguish between  1.00
          (100%) and 1 (1%). 

               You may press  <F2> to remove  an interest rate, if  this is
          your first interest input, pressing  <ENTER> without any data  is
          also a zero rate. All late charges are converted to days for ease
          in calculating  days expired since Maturity Date and is displayed
          as days both on the screen as well as printouts. 
           
               After interest  is entered the program  supplies the current
          date  as the transaction  date. Since the  interest calculated is
          only  effective on the current date and  the current date is used
          to  determining  late charges,  the  program  supplies the  date.
          Screen displays: 
           
                   Transaction date is                : 02-01-1988
           
             Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data
           
               You  are prompted to choose a  type of term, days, months or
          years.  Pressing <ESC> returns you  to the transaction date input
          position. Pressing term option, displays one of the following: 
           
                   How many days                              [  ]
           
                   How many months                            [  ]
           
                   How many years                             [  ]
           
               The input must be  filled the first time through,  cannot be
          less than one, days  greater than 365 become 365,  months greater
          than 12 become 12 and  years greater than 50 become 50.  After an
          acceptable entry, the program calculates the transaction date and
          term, screen displays: 

                   Maturity date is                    : 05-01-1988
           
             Press <P>=print, <S>=screen, <ENTER>=new data or <ESC>=Menu
           

                                                                         17







               Because of  the vast amount of input  variances and results,
          the  data is  printed on  the  screen in  the same  format as  is
          printed  on the printer. Press <P> to  print, <S> to display data
          on  the  screen, <ENTER>  to enter  new/change  data or  <ESC> to
          return to the Menu. 
           
               Depending on  the entries,  maturity date and  late charges,
          the program displays the following data, (labeled, here, for ease
          in reading) is displayed along with header: 

          The is renewed note with interest 
           
          Old Note...... 
           
                      Principal X      Rate       X Term days = Interest 
                         999.99 X 0.0120 = 12.00% X 365 days  =  11.99 
           
                  Principal + Interest = Maturity Value (or Current Value) 
                    999.99  +  11.99   = $  1,011.99 
           
          (if there is interest due at this time) 
           
          Plus interest to be paid at this time : $ 11.99 (if there are 
          late charges they are noted here) 
           
          New Note...... 

          Principal X       Rate      X Term days = Interest 
           1,011.99 X 0.0120 = 12.00% X 365 days  =  12.14 
           
          Principal + Interest = Maturity Value 
           1,011.99 +  12.14   = $  1,024.13 
            
          -------------------> 
           
          This is renewed non-interest bearing note 
           
          Old Note...... 
           
                            Maturity Value : Term days 
                                  $ 999.99 : 365 days 
           
          Plus interest to be paid at this time : $ 9.99 (if there are 
          late charges they are noted here) 
           
          New Note...... 
           
                            Maturity Value : Term days 
                                  $ 999.99 : 365 days 
           
              Press <P> to print, <ENTER> for new data or <ESC> for Menu
           

                                                                         18







               You are prompted to press <P> to print data, <ENTER> for new
          data of  <ESC> for  Main  Menu. You  may  press your  choice  the
          <ENTER> option is there to allow you to change any or all data. 
           
               Remember on returning to the payee name entry  position, the
          pressing of <ENTER> in any input restores previous data, allowing
          for ease in corrections or adjustments. 
           
               If  you make errors  during the  entries, continue  with the
          rest of your  inputs and then  at the printer/screen/exit  prompt
          press  <ENTER>  repeatedly  until  you  reach  the  entry  to  be
          corrected. When you  reach the entry to be  changed, just type in
          the new data and proceed as before. 
           
                      *** see Screen Displays and Printouts ***






































                                                                         19







                            <C> Note Receivable - Buy/Sell
           
               Press <C> from the Main Menu, screen displays (one at a 
          time): 
           
                   Enter Payee's name                         [  ]
           
                   Enter Maker's name                          [  ]
           
                   Enter Buyer's name                         [  ]
           
                   Enter Sellers name                         [  ]
           
           
               You are  returned  to this  screen  and position  after  all
          operations in this  option. You  are prompted to  type in  Payee,
          Maker,  buyer  and  sellers  names with  the  maximums  being  32
          characters. All inputs have the  same restrictions, they may  not
          be left blank and must be filled the first time through. 
           
               If  the  Payee and  Seller are  the same  if you  just press
          <ENTER> the Payee's  name is  transferred to  the Seller's  name.
          After the names are entered, the screen displays: 
           
                   What is the date of the note, mm-dd-yyyy [ - - ]
           
               You  are prompted to  type in the date  using both the BASIC
          and DOS  format 01-01-1988. The entry must  contain 8 characters,
          the program supplies  the dashes.  The input must  be filled  the
          first time through  and must be greater than 1979. If you already
          have a  date entered, to change it  you must type in  a new date.
          After the date of the note is entered, screen displays: 
           
             Length of time by <D>ay, <M>onth, <Y>ear, <ESC> for new data
           
               You  are prompted to choose a type  of term, days, months or
          years. Pressing  <ESC> returns you to the  transaction date input
          position. Pressing term option, displays one of the following: 
           
                    How many days                             [  ]
           
                    How many months                           [  ]
           
                    How many years                            [  ]
           
               The input must be  filled the first time through,  cannot be
          less than one, days  greater than 365 become 365,  months greater
          than 12 become 12 and  years greater than 50 become 50.  After an
          acceptable entry, the program calculates the transaction date and
          term, screen displays: 

                    What is the principal amount              [  ]

                                                                         20







               You are prompted to type in the Principal Amount. This entry
          must  be filled  the first  time through,  the entry  here cannot
          exceed $999,999 or the  program beeps at you  and returns you  to
          the  entry  position.  After  the  principal  entry,  the  screen
          displays: 
           
                    Is there an interest charge? Press <Y> or <N>
           
               Pressing  <N> skips the next step and erases the prompt from
          the screen. Pressing <Y>, the screen displays: 
           
                    What is the interest rate, <F2>=0         [  ]
           
               You  are prompted to type in the  interest. The entry may be
          made in decimal or whole number, the program converts all entries
          into  decimal, both are displayed  on the screen  after you press
          <ENTER>.  If  you are  entering  interest  using whole  or  mixed
          numbers (10  or 10.1) and want  to input less than  1% (.01), you
          must  use a  leading zero or  the number  must be  converted to a
          decimal. 
           
               Interest rate must not be negative, less than .1% (.001), or
          greater than 100%  (1.00) or  the program beeps  and repeats  the
          process  until input is acceptable.  If you are  entering 100% it
          must be entered as  a whole number (100) since the program checks
          the  first character  for a  decimal point  when converting  from
          whole  number  to decimal  and  cannot  distinguish between  1.00
          (100%) and 1 (1%). 
           
               You may press  <F2> to remove an  interest rate, if  this is
          your first interest input,  pressing <ENTER> without any  data is
          also a zero  rate. After interest is  entered, the input line  is
          replaced by the following line: 
           
                   What is the transaction date, mm-dd-yyyy [ - - ]
           
               You are  prompted to type in  the date using both  the BASIC
          and DOS format 01-01-1988.  The entry must contain 8  characters,
          the program supplies  the dashes.  The input must  be filled  the
          first time through,on first time through you may press <ENTER> to
          load current date, after first time through, you must type in new
          date in  order  to change  it.  After the  date  of the  note  is
          entered, the screen displays: 
           
               If the maturity date is past the current system date, screen
          displays: 
           
                   Number of days past maturity is       :  5 days
           
                    Is there an interest charge? Press <Y> or <N>



                                                                         21







               Pressing  <N> skips the next step and erases the prompt from
          the screen. Pressing <Y>, the screen displays:

                   What is the interest rate, <F2>=0          [  ]
           
               You are  prompted to type in the  interest. The entry may be
          made in decimal or whole number, the program converts all entries
          into  decimal, both are displayed  on the screen  after you press
          <ENTER>.  If  you  are  entering interest  using  whole  or mixed
          numbers (10  or 10.1) and want  to input less than  1% (.01), you
          must use  a leading  zero or  the number must  be converted  to a
          decimal. 
           
               Interest rate must not be negative, less than .1% (.001), or
          greater than 100%  (1.00) or  the program beeps  and repeats  the
          process  until input is acceptable.  If you are  entering 100% it
          must be entered as a whole number (100) since the  program checks
          the first  character  for a  decimal point  when converting  from
          whole  number  to decimal  and  cannot  distinguish between  1.00
          (100%) and 1 (1%). 
           
               You may  press <F2> to  remove an interest rate,  if this is
          your  first interest input, pressing <ENTER>  without any data is
          also a zero rate. All late charges are converted today's for ease
          in calculating days  expired since Maturity Date and is displayed
          as days both on the screen as well as printouts. 
           
               If there is still time on the note, the screen displays: 
           
                   Number of days expired on note is     : 49 days
           
                   Accumulated interest is                $  999.99
           
                        Is there a discount ? Press <Y> or <N>
           
               Pressing  <N> skips the next step and erases the prompt from
          the screen. Pressing <Y>, the screen displays: 
           
                   What is the discount rate, <F2>=0           [  ]
           
               You are prompted  to type in the interest to  be used in the
          discount. The entry  may be made in decimal or  whole number, the
          program converts all  entries into decimal, both are displayed on
          the  screen after you press <ENTER>. If you are entering interest
          using whole  or mixed numbers (10 or 10.1) and want to input less
          than 1% (.01), you must use a leading  zero or the number must be
          converted to a decimal. 
           
               If  the note  is past due,  the program  does not  ask for a
          discount value and uses a heading that informs you that this is a
          non-discount sale (if anyone would by a past due note?). 


                                                                         22







               Interest rate must not be negative, less than .1% (.001), or
          greater than 100%  (1.00) or  the program beeps  and repeats  the
          process  until input is acceptable.  If you are  entering 100% it
          must be entered as a whole  number (100) since the program checks
          the  first character  for  a decimal  point when  converting from
          whole  number  to decimal  and  cannot  distinguish between  1.00
          (100%) and 1 (1%). 
           
               You may  press <F2> to remove  an interest rate, if  this is
          your first  interest input, pressing <ENTER> without  any data is
          also a zero rate. All late charges are converted to days for ease
          in calculating days expired since  Maturity Date and is displayed
          as days both on the  screen as well as printouts.  After interest
          is entered, screen displays: 
           
           
             Press <P>=print, <S>=screen, <ENTER>=new data or <ESC>=Menu
           
           
               Because of the vast  amount of input variances and  results,
          the  data  is printed  on the  screen in  the  same format  as is
          printed  on the printer. Press <P>  to print, <S> to display data
          on  the  screen, <ENTER>  to enter  new/change  data or  <ESC> to
          return to the Menu. 

               Depending on  the entries,  maturity date and  late charges,
          the program displays the following data, (labeled, here, for ease
          in reading) is displayed along with header: 

           
          (interest bearing note with late charge) 
           
                   Principal X      Rate       X Term days = Interest 
                     $999.99 X 0.0120 = 12.00% X 365 days  =  119.99 
           
                   Principal + Interest = Maturity Value 
                     $999.99 +  119.99  =  $  1,119.99 
           
              Maturity Value X  Discount Rate  X Term days = Discount 
                  $1,119.99  X 0.0100 = 10.00% X 12 days   = $  3.68 
           
                   Maturity Value - Discount = Proceeds 
                       $1,119.99  -   3.68   = $ 1116.31 
           
          -------------> 
           
          Non-interest bearing note 
           
              Maturity Value X  Discount Rate  X Term days = Discount 
                   $ 999.99  X 0.0100 = 10.00% X 65 days   = $  17.80 



                                                                         23







                  Maturity Value - Discount = Proceeds 
                       $ 999.99  -  17.80   = $ 982.18 

           Non-interest  bearing  note, this  is  a non-discount  sale(late
          note) 
           
                          Maturity Value : Term days 
                               $ 999.99  : 90 days 
           
              Press <P> to print, <ENTER> for new data or <ESC> for Menu
           
               You are prompted to press <P> to print data, <ENTER> for new
          data of  <ESC> for  Main  Menu. You  may  press your  choice  the
          <ENTER> option is there to allow you to change any or all data. 
           
               ***** NOTE  *****  If a  note is  past due,  no discount  is
          calculated and is handled as a non-discount note. 
           
               Remember  on  returning  to  the name  entry  position,  the
          pressing of <ENTER> in any input restores previous data, allowing
          for ease in corrections or adjustments. 
           
               If you  make errors during  the entries,  continue with  the
          rest  of your inputs  and then at  the printer/screen/exit prompt
          press  <ENTER>  repeatedly  until  you  reach  the  entry  to  be
          corrected. When you  reach the entry to be changed,  just type in
          the new data and proceed as before. 
           
           
                      *** see Screen Displays and Printouts ***























                                                                         24







                                 <D> From The Author

               Press <D> from the Promissory Note Menu, screen displays:


                                   From The Author

            If you find this program  useful, please send contribution, $10
          is suggested, to the following so  I can continue with updates as
          well as new  programs. Please include  version number, source  of
          program and your diskette size.

             James Huckabey, 3621-A Fraser Street, Bellingham, WA 98226

          If  you use  the program  on a  regular basis,  please show  your
          support for the program as well as the shareware theme. Feel free
          to copy and  pass on non-altered  copies, however no  fee may  be
          charged for the program itself.

          You can send  me diskettes to cover two megs  with return postage
          and $1  to receive a  copy of  all my current  software. I  would
          enjoy hearing from you about your  likes, dislikes or suggestions
          on any of my programs. I am user friendly!

                              Press <ENTER> to Continue
           
          Pressing <ENTER> returns you to the Main Menu.


























                                                                         25







                                 <E> Exit The Program
           
               Press <E> from the Promissory Note Menu, screen displays: 


                               Promissory Note Program


                         I hope you have enjoyed the program


                            J A M E S  H U C K A B E Y   
                                software with a heart


               Program is terminated  and you are  returned to DOS  (system
          start up  level). If  you  exit the  program, all  data that  was
          entered  into the program is lost, if you restart the program you
          must reenter previous data to see previous results. 
           
               If you have  a border color  at DOS  level other than  black
          before starting NOTES, the border is set to black on termination.































                                                                         26







                            Screen Displays and Printouts
           
               The program calculates  all data which is  then displayed on
          the screen or printed on the printer. The data that is printed on
          the  screen is  the  same as  the  data that  is  printed on  the
          printer.  The screens  may not  show all  data because  of screen
          limitations but  vital data  is displayed.  There are no  prompts
          during the printouts, these reports are contained on one page. 
           
               After choosing to print,  you are prompted to set  the paper
          in the printer to 1/2 inch  below the perforation and to turn the
          printer off and back on. 
           
               Turning the printer on and off clears all printer codes that
          might have been sent to the printer by previous programs, it also
          makes wherever  the paper  is positioned  the new home  position.
          Home position is  the alignment  position to which  the paper  is
          returned to  each time the  printer advances the  paper to a  new
          page (FF/form feed). This  step is necessary only the  first time
          you do a print out and  is not required again during this running
          of the program. 


               You are prompted to enter the number of copies that you wish
          to print, pressing <ENTER>  uses the default of one copy, but you
          can  print up  to  9 copies  at a  time.  While printing,  screen
          displays: 
           
                       Printing n copies, please wait.........
           
               Where `n' represents the number of  copies. When printing is
          completed,  you are returned to the name input position where you
          may enter new data or exit from the chosen option. 




















                                                                         27







                                       GLOSSARY
           
          ALL INPUTS=In this program, in number inputs all numbers from 0 
                     to 9 and the decimal point are acceptable. In inputs 
                     containing words (alphanumeric) any keyboard symbol 
                     may be entered. 
           
          APOSTROPHE(S)=Used in this documentation and program as high 
                        lighting and are not required on any input. 
           
          CONTROL KEYS=Pressing <F1> and <F10> perform the same function 
                       and are used for ease of operation and may be 
                       pressed for return to Main Menu from any input 
                       or prompt. The <F2> key is used in removing data 
                       from inputs that do not require data and may be 
                       left blank. The <F5> key is used for skipping or 
                       in other multiple choice prompts. 
           
          DEFAULT=Preset minimum or maximum set by the program to keep 
                  inputs within the limits of the operation or to fit 
                  within number formats used on screen displays and 
                  printouts. 
           
          ENTER=Pressing of the <ENTER> or <RETURN> key. The word ENTER is 
                used in this program and documentation and may be called 
                RETURN on your system (big blue uses the return sign). 
           
          ENTRY, ENTRIES=Typing in data followed by the pressing of the 
                         <ENTER> key. 
           
          INTEGER=Whole number without any decimal value, inputs requiring 
                  an integer value convert all non-integer values. 
           
          PRESS=Means to press single key and does not require the pressing
                of the <ENTER> key. Keys to be pressed are enclosed within 
                less than/greater than symbols < >. All <PRESS> requests 
                may be upper or lower-case. 
           
          PRESS <ENTER>=Where this is displayed, it is required to do the 
                        task to which it is requested. The <ENTER> key is 
                        also the default for `Y' (yes) or to continue 
                        without exiting. In some cases the program prompts 
                        you for either the <RETURN> or <ESC> key and is 
                        used for ease in operation. 

          PRESS <ESC> TO EXIT=To exit an option when displayed on the 
                              screen. In some cases the program prompts you
                              for either the <ESC> or <RETURN> key and is 
                              used for ease in operation. 
           
          PROMPT=Displays on the screen upon which appropriate action must 
                 be taken. 

                                                                         28







          THE SCREEN DISPLAYS=What is displayed on the computer screen less
                              any decoration, all blank lines and may 
                              contain abbreviations not used in the program
                              because of manual format. 
           
















































                                                                         29







                                        Index
           
          CALCULATE..............5,8,9,13,17,20,24,27
           
          DAY....................5,8,9,11,13-15,18,21-24
           
          DISCOUNT...............22-24
           
          DUE....................11,12,16,18,22,24
           
          ERROR..................12,19,24
           
          <F1>...................28 (not listed in manual or screen)
           
          <F2>...................10,11,14-17,21-23,28
           
          <F5>...................28 (not listed in manual or screen)
           
          <F10>..................28 (not listed in manual or screen)

          INTEGER................28 (not listed in manual or screen)
           
          MONTH..................9,13,17,20
           
          PRINCIPAL..............9,11,13,16,18,20,21,23
           
          RATE (see interest)....10,11,12,14-18,21-23
           
          TERM (see period)......5,8,9,11,13,16,17,18,20,23,24
           
          TERMINATE..............7,26
           
          USER...................2-4,7
           
          YEAR...................9,13,17,20
           
          ZERO...................10,11,14-17,21-23
















                                                                         30







                                 James Huckabey  
                               software with a heart

 Date:                                                   P.O.Number:

                                  James Huckabey
                               3621-A Fraser Street
                               Bellingham, WA 98226

 ================================================================================
  QUANTITY|               DESCRIPTION                      | EACH  |    TOTAL
 --------------------------------------------------------------------------------
          |   Promissory Note Program, contribution only   | 10.00 |
 --------------------------------------------------------------------------------
          |      Current version on diskette U.S. add      |  2.00 |
          |          outside of United States add          |  5.00 |
          | Disk Size:  360[ ]   1.2[ ]   720[ ]   1.44[ ] |       |
 --------------------------------------------------------------------------------
          | Site License (allows multiple copies to be     | 25.00 |
          | run at same location for one fee)              |       | 
 --------------------------------------------------------------------------------
          |                                                |       |
          |                                                |       | 
 --------------------------------------------------------------------------------
                                                          SUBTOTAL | 
            (Washington state residents please add 7.6%) SALES TAX | 
                                                                   ==============
                                           (U.S. funds only) TOTAL | 

 ................................................................................

 FROM:   NAME: 
              ------------------------------------------------------- 
      ADDRESS:  
              ------------------------------------------------------- 
         CITY: 
              ------------------------------------------------------- 
  STATE & ZIP: 
  (or Country)-------------------------------------------------------
  
              -------------------------------------------------------

              -------------------------------------------------------

  
   Your current version number             date 
                              ------------      --------------- 
                                   (from title screen)





                                                                               31
