{LAHELP.INC - help file include for LoanAmort} PROCEDURE LaHelp1 (Hline : string80); var Select : char; Begin Select := UpCase(Copy(Hline,3,1)); Case Select of 'P' : Begin WriteLn( ' P - Option P allows for changing the PRINCIPAL amount of the loan. You'); WriteLn( ' may wish to see payment differences for the same loan when the'); WriteLn( ' amount borrowed changes, or you may wish to amortize several loans'); WriteLn( ' without exiting the program and restarting.'); end; (* Begin 'P' *) 'I' : Begin WriteLn( ' I - Option I allows for changing the INTEREST RATE of the loan. This'); WriteLn( ' is treated as a FIXED rate for the term of the loan, or the first'); WriteLn( ' rate when VARYING RATE loans are examined (see second menu "V").'); end; (* Begin 'I' *) 'T' : Begin WriteLn( ' T - Option T is for setting the TERM of the loan. This is to be the'); WriteLn( ' number of payments assuming the loan is to go to full maturity.'); WriteLn( ' Unless changed via options on menu 2, this will also be in months'); WriteLn( ' and the interest will be compounded each term.'); end; (* Begin 'T' *) 'F' : Begin WriteLn( ' F - Option F is for setting the date of the FIRST PAYMENT to be made'); WriteLn( ' on the loan. Unless changed on menu 2, this assumes one full term'); WriteLn( ' (and only one) passes before this date'); end; (* Begin 'F' *) 'N' : Begin WriteLn( ' N - Option N is useful for adding NON EQUITY amounts to the total pay-'); WriteLn( ' ment of the loan. Such items may be property taxes paid with the'); WriteLn( ' loan payment, insurance, etc.'); end; (* Begin 'N' *) 'E' : Begin WriteLn( ' E - Option E is for adding EQUITY PAYMENTS to the total payment of the'); WriteLn( ' loan. Extra payment amounts will reduce the balance of the loan'); WriteLn( ' faster, pay the loan off earlier, and reduce the total interest'); WriteLn( ' over the life of the loan. Unless you set a different date, the'); WriteLn( ' extra payment will begin with the first payment date. Use menu 2'); WriteLn( ' to allow for changing this during the life of the loan.'); end; (* Begin 'E' *) 'S' : Begin WriteLn( ' S - Option S is used in conjunction with E. It is used when you are'); WriteLn( ' going to START EXTRA PAYMENTS at a date other than the first pay-'); WriteLn( ' ment. Menu 2 must be used to stop extra payments.'); end; (* Begin 'S' *) 'D' : Begin WriteLn( ' D - Option D is used in conjunction with B. It may be used to change'); WriteLn( ' the date a balloon payoff is DUE. You need not use this option'); WriteLn( ' unless you have entered a date under option B which you wish to'); WriteLn( ' change.'); end; (* Begin 'D' *) 'B' : Begin WriteLn( ' B - Option B is used to change to/from BALLOON PAYOFF type of loans.'); WriteLn( ' When this option is chosen, you must enter a date for the balloon'); WriteLn( ' to take place. The program will pay off the loan at this time,'); WriteLn( ' showing the final payment amount (including any NON EQUITY payment)'); WriteLn( ' on the last screen of the display.'); end; (* Begin 'B' *) 'X' : Begin WriteLn( ' X - Option X is used to enter the EXTENDED FUNCTIONS menu, menu 2.'); WriteLn( ' Help on menu 2 options is available only while looking at menu 2.'); WriteLn; WriteLn; WriteLn( ' NOTE - Menu 2 is not implemented in this version of the program. V2.0'); WriteLn( ' (expected soon) will contain the extended options. (LLS)'); end; (* Begin 'X' *) 'R' : Begin WriteLn( ' R - Option R begins the amortization RECALCULATION, using the figures'); WriteLn( ' you have most recently entered. Each recalculation will begin by'); WriteLn( ' offering the option of output going to the screen or printer.'); end; (* Begin 'R' *) 'Q' : Begin WriteLn( ' Q - Option Q is used to QUIT the program. Other than turning the com-'); WriteLn( ' puter off or entering invalid numbers, it is the only way to leave'); WriteLn( ' the LA program and re-enter the operating system.'); end; (* Begin 'Q' *) end; (* Case *) GotoXY(22,24); Write('[DEPRESS ENTER KEY TO RETURN TO MENU]'); Read(InKey); end; (* LaHelp1 *) PROCEDURE LaHelp2 (Hline : string80); var Select : char; Begin Select := UpCase(Copy(Hline,3,1)); Case Select of 'B' : Begin WriteLn( ' B - Option B allows you to set a date for the BEGINNING of the loan.'); WriteLn( ' Setting this date is critical if more than one interest period is'); WriteLn( ' to pass before the first payment is to be made.'); end; (* Begin 'B' *) 'C' : Begin WriteLn( ' C - Option C enables you to change the COMPOUNDING period. You will'); WriteLn( ' Be given an option menu of DAILY (360 days/year), WEEKLY, BI-MONTHLY,'); WriteLn( ' MONTHLY, QUARTERLY, or YEARLY.'); end; (* Begin 'C' *) 'P' : Begin WriteLn( ' P - Option P allows the setting of the PAYMENT term. This is needed'); WriteLn( ' whenever the default of MONTHLY is not appropriate. An option'); WriteLn( ' of WEEKLY, BI-MONTHLY, MONTHLY, QUARTERLY, or YEARLY is presented'); WriteLn( ' and one of these must be selected.'); end; (* Begin 'P' *) 'E' : Begin WriteLn( ' E - Option E permits you to enter up to 40 new EXTRA EQUITY payments'); WriteLn( ' and dates. Zero can be used to stop an EXTRA EQUITY payment at'); WriteLn( ' a specific date.'); end; (* Begin 'E' *) 'V' : Begin WriteLn( ' V - Option V allows for a method of attempting to handle VARIABLE RATE'); WriteLn( ' loans. It will allow you to enter a fixed number of payments between'); WriteLn( ' rate changes and a fixed increment/decrement of the rate. The prog-'); WriteLn( ' ram will stop at each interval, increase or decrease the current'); WriteLn( ' rate by the fixed amount, recalculate the remaider of the loan and'); WriteLn( ' begin to amortize with the new interest rate and payment. As an'); WriteLn( ' alternative to this method, you may select to enter (up to 40)'); WriteLn( ' specific dates with the new interest rate to be effective at that'); WriteLn( ' date. The recalculations will now take place at the dates you have'); WriteLn( ' specified with the new rates you have entered.'); end; (* Begin 'V' *) 'M' : WriteLn(' M - Option M is used to return to menu 1.'); 'R' : WriteLn(' R - Option R is used to start RECALCULATION.'); 'Q' : WriteLn(' Q - Option Q is used to QUIT the LA program.'); end; (* Case *) GotoXY(22,24); Write('[DEPRESS ENTER KEY TO RETURN TO MENU]'); Read(InKey); end; (* LaHelp2 *) PROCEDURE LaHelp (Hline : string80); Begin ClrScr; GotoXY(29,01);Write(Sign_OnA); GotoXY(24,02);Write(Sign_OnB); GotoXY(01,04); If Length(Hline) < 3 then Begin WriteLn( ' This program is designed to allow flexible loan amortization of common'); WriteLn( ' loans. It assumes defaults of: FIXED rate, MONTHLY payments, MONTHLY com-'); WriteLn( ' pounding of interest and CALENDAR YEAR interest totals. This is done due'); WriteLn( ' to my personal greatest use for loan amortization.'); WriteLn; WriteLn( ' However, I recognize the need of expanded functions and have included'); WriteLn( ' the ability to create BALLOON payment dates, have YEARLY/QUARTERLY/MONTHLY/'); WriteLn( ' BI-MONTHLY/WEEKLY payment periods, compound at YEARLY/QUARTERLY/MONTHLY/'); WriteLn( ' BI-MONTHLY/WEEKLY/DAILY periods, and start and stop EXTRA EQUITY payments.'); WriteLn; WriteLn( ' Two menus are used to set/reset these features. The first is the menu'); WriteLn( ' from which you chose "H" to see this screen. The second may be viewed'); WriteLn( ' by seclecting "X" from the first menu. You may return to the first menu'); WriteLn( ' by chosing "M" while on the second menu, or you will automatically return'); WriteLn( ' after each "R" recalculation.'); WriteLn; WriteLn( ' To obtain more details about each feature, enter "H *" at the OPTION'); WriteLn( ' input area, where "*" is the letter of the OPTION you wish to have explained'); GotoXY(22,24); Write('[PRESS ENTER KEY TO RETURN TO MENU]'); Read(InKey); end (* Begin *) Else If Menu1 then LaHelp1(Hline) Else LaHelp2(Hline); end; (* LaHelp *)