------------------------------------------------------------------------------- FIRST FINANCIAL SOFTWARE * * * * * * * * FPLAN * * * * * * * * EDUCATION FUNDING ANALYSIS FINANCIAL PLANNER Version 3.0 USERS GUIDE Information presented in this guide is available throughout the regular program indicated at various menu options. --------- ------|-- | (tm) --| | |------------------ | -----|--- | Association of | | |-- Shareware ---| O | Professionals ------| | |--------------------- --------- MEMBER ------------------------------------------------------------------------------- Copyright(c) 1990-1991 by First Financial Software. All Rights Reserved ------------------------------------------------------------------------------- Shareware ========= "Shareware" is a term used to describe a system for distribution of software. Under the shareware concept, software may be freely copied and passed along to others, or distributed through bulletin board systems, etc. As a recipient of a shareware program, you may use the software for a short trial period to determine if it meets your needs. If it does, you pay the registration fee. By paying the fee, you are granted the right to retain the software for your use. If the software is not suitable, then you may discard it. The shareware system provides substantial benefits: 1) You get to try out the software BEFORE you buy it so you know exactly what you're buying. 2) Shareware is substantially less expensive than most commercial programs. You don't pay for costly marketing programs and fancy packaging. 3) You get access to a MUCH broader base of available programs. Thousands of excellent programs have been written by expert programmers who would never consider marketing commercially. Through the concept of shareware, these people make their programs available to the community. Usually, all they ask in return is a small fee to reward them for the time and effort they've put into the program. The system is based entirely on the honor system, and generally works quite well. (Most people are honest and wouldn't violate the trust placed in them by the author of the software.) Shareware is NOT free software - the author counts on your integrity. Please register using the enclosed Registration/Order Form. (This form may also be printed from the ORDER.FRM file or from Main Menu Option #4 within the program.) Registration may be made by credit card, check or money order. You are encouraged to copy this software and pass it along to others who may be interested in using it. This program is produced by a member of the Association of Shareware Professionals (ASP). ASP wants to make sure that the shareware principle works for you. If you are unable to resolve a shareware related problem with an ASP member by contacting the member directly, ASP may be able to help. The ASP Ombudsman can help you resolve a dispute or problem with an ASP member, but does not provide technical support --------- for members' products. ------|-- | (tm) Please write to the --| | |------------------ ASP Ombudsman at | -----|--- | Association of 545 Grover Road | | |-- Shareware Muskegon, MI 49442-9427 ---| O | Professionals or send a Compuserve ------| | |--------------------- message via easyplex to --------- MEMBER ASP Ombudsman 70007,3536 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- TABLE OF CONTENTS ----------------- SECTION PROGRAM ITEM PAGE --------- ------------------------------------------------------- ------ A Introduction:............................................ 1 B Initial Screen:.......................................... 2 B-1 Demo & Regular Program Option:........................... 2 B-2 Suggested Instructions to Use Program:................... 2 B-3 Introduction Screen (Regular/Automatic Presentation):.... 2 C Main Menu:............................................... 3 C-1 Narrative Presentation:.................................. 4 C-2 Planning Module Menu:.................................... 5 C-3 Main Utilities Menu:..................................... 5 C-3-1 User Code:............................... 5 C-3-2 Total Analysis Program Information:...... 6 C-3-3 Special Instructions to Print:........... 7 C-3-4 General Help Training:................... 7 C-3-5 License Agreement:....................... 7 C-4 Customer Service Information & Ordering:................. 8 C-5 Exiting Program:......................................... 8 D EDUCATION FINANCIAL PLANNER MODULE:...................... 8 D-1 Module Menu Initial Screen:.............................. 8 D-1-1 Education Planning Analysis Module:...... 9 D-1-2 Questionnaire Print Menu:................ 9 D-1-3 Module Help/Training Menu:............... 9 D-2 Initial Set-Up Menu:..................................... 10 D-2-1 Print Questionnaires Information:........ 10 D-2-2 Set-Up for Number of Persons:............ 11 D-2-3 College Cost Inflation:.................. 11 D-2-4 Funding Accounts Rate of Return:......... 11 D-2-5 Input Data for All:...................... 12 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- TABLE OF CONTENTS CONTINUED --------------------------- SECTION PROGRAM ITEM PAGE --------- ------------------------------------------------------- ------ D-3 Basic Analysis Module General Menu:...................... 12 D-3-1 Specific Analysis Menu:.................. 13 D-3-2 General Utilities/Edit Menu:............. 13 D-3-3 Exit to Main Menu (Not Saving Data):..... 13 D-3-4 Print Option for Illustrations:.......... 13 D-3-5 Exit to Main Menu (Saving Data):......... 14 D-4 General Utilities/Edit Menu:............................. 14 D-4-1 Economic Assumptions Cost Inflation:..... 15 D-4-2 Economic Assumptions Rate of Return:..... 15 D-4-3 Delete All Data for Module:.............. 15 D-4-4 Change Modes (Regular/Demonstration):.... 15 D-5 Specific Analysis Menu:.................................. 16 D-6 Detailed Analysis Menu:.................................. 16 D-6-1 Enter All Information:................... 17 D-6-2 To Specific Analysis Menu:............... 17 D-6-3 Delete All Data on This Person:.......... 17 D-7 Detailed Data Screen:.................................... 17 D-7-1 Enter All Information:................... 18 D-7-2 Edit Existing Information:............... 18 D-7-3 View Yearly Detailed Information:........ 19 D-7-4 Print Illustration for this Person:...... 19 E Module Data Input Screens:............................... 20 F Help/Training Menus:..................................... 22 F-1 General Help/Training:................................... 22 F-1-1 General Problem Items:................... 22 F-1-2 Starting & Operation Program:............ 23 F-1-3 Stopping Program:........................ 23 F-1-4 Printing Problems:....................... 23 F-2 Module Help/Training:.................................... 24 F-2-1 General Purpose:......................... 24 F-2-2 General Menu:............................ 25 F-2-3 Questionnaire Print Menu:................ 25 F-2-4 Normal Probles:.......................... 25 G Technical Information:................................... 25 G-1 General & System Requirements:........................... 25 G-2 Files Listing:........................................... 26 ------------------------------------------------------------------------------- ------------------------------------------------------------------------------- SECTION A - INTRODUCTION ------------------------ This Financial Planner module is designed to assist individuals in the planning of their EDUCATION FUNDING Requirements for children, grand- children or other persons. Funding requirements will be shown both as a lump-sum and monthly to cover any shortages identified considering the current funding plans. Up to three different colleges can be used. Any number of years for attendence and different costs with yearly cost inflation adjustments are available. The program can accomodate up to 10 persons. Detailed Illustrations will show year by year accumulations, disbursements and any remaining balances. For planning strategies, various cost inflation and education fund account rates of return can be used. A quick edit screen is available to facilitate immediate what if type changes for consideration. While scholarship and grant programs should be researched and used where available, the major bulk of college funding is being divested from the government programs to the responsibility of the individual. This program will assist planning for this important financial planning goal. This program is always being revised because of changes in the available programs and improvement suggestions from users. If Education Fund Planning is important to you, then registration of this program is a valuable asset for your over-all financial planning. ------------------------------------------------------------------------------- SECTION B - INITIAL SCREEN -------------------------- When the Program is Started (Type EFPLAN at the DOS Prompt>), the FPLAN logo will appear with the following at the bottom of the screen: ............................................................................... ------------------------------------------------------------------------------- This Program is provided under the Shareware Distribution System. You may feel free to copy and pass this program to others for their evaluation. If you make use of this program, you are expected to submit a registration fee. (See Main Menu Option 4 (Section C-4)//Page 8// for details). ------------------------------------------------------------------------------- Type 1 & Press Return for DEMONSTRATION Program or Just Press Return for REGULAR Program:.... ............................................................................... ------------------------------------------------------------------------------- FPLAN USERS GUIDE Page 1 ------------------------------------------------------------------------------- SECTION B-1 - Demo & Regular Program Option ------------------------------------------- If you have not reviewed the program, suggest you Type 1 & Press Return for the Demonstration Version of the Program (See B-3). The program will not accept any input of data, but will illustrate demo figures and extra explanations of items. If you have reviewed the program or if desired, you may proceed directly to the Main Menu (See Section C). In this mode, the program will accept your own data and avoid general explanation screens. The top of most screens will show the mode the program is in as follows: ............................................................................... FPLAN - EDUCATION FINANCIAL PLANNER - DEMONSTRATION MODE or FPLAN - EDUCATION FINANCIAL PLANNER - REGULAR MODE ............................................................................... Changing of the program between Demo & Regular can be done at Main Utilities Option 1 (User Code) (See C-3-1) or by Exiting and Restarting the program. ------------------------------------------------------------------------------- SECTION B-2 - SUGGESTED INSTRUCTIONS TO USE THIS PROGRAM -------------------------------------------------------- (This program has two main Modes, DEMONSTRATION and REGULAR. Suggest review of the DEMONSTRATION Mode before using the REGULAR Mode.) 1. At the Introduction Screen, choose the AUTOMATIC PRESENTATION (Type 1 and Press Return). After reviewing each screen, Press Return to Continue until you reach the end of the program. This is a quick general review of the programs features and benefits. 2. After the end of the Automatic Presentation, the MAIN MENU will reappear as just the Demonstration Mode. You may choose any item desired for for furthur review. You should, as a minimum, review menu items not presented during the Automatic Presentation. 3. Use the REGULAR MODE of the program. At MAIN MENU choose # 3 Utilities Option Menu. At Utilities Option Menu choose Option # 1 to INPUT USER CODE. Input Shareware User Code - 1234 and proceed to MAIN MENU. The program will then allow for your input and computation of the analysis. (You may also Exit and Restart the Program) ----------------------------------------------------------------------------- SECTION B-3 - INTRODUCTION SCREEN (Regular/Automatic Presentation Option ------------------------------------------------------------------------ FPLAN - EDUCATION FINANCIAL PLANNER - DEMO MODE - INTRODUCTION SCREEN EDUCATION FUNDING ANALYSIS FINANCIAL PLANNER Version X.0 ----------------------------------------------------------------------------- FPLAN USERS GUIDE Page 2 ---------------------------------------------------------------------------- For This DEMONSTRATION you have the Option for an AUTOMATIC PRESENTATION or you may choose to proceed at your choice. If you have not reviewed the program, suggest you use the AUTOMATIC PRESENTATION first. You may STOP the Automatic Presentation when offered that option. This will present the MAIN MENU OF OPTIONS and allow you to proceed by your choice. Type 1 and Press Return for AUTOMATIC PRESENTATION or Just Press Return for MAIN MENU OF OPTIONS:.. ............................................................................... If you have not reviewed the program, suggest you Type 1 & Press Return for the Automatic Demonstration Version of the Program. The program will continue from screen to screen by just Pressing Return. The next option to be presented will be noted by >>>>>. You may cancel the Automatic Presentation by Typeing Z and Pressing Return at each prompt>. This will return the Regular Demo program and the Main Menu. If you have reviewed the program or if desired, you may proceed directly to the Main where you may proceed at your choice to review or select other Demo items. The top of most screens will show the mode the program is in as follows: ............................................................................... FPLAN - EDUCATION FINANCIAL PLANNER - DEMONSTRATION MODE or FPLAN - EDUCATION FINANCIAL PLANNER - DEMO MODE - AUTOMATIC PRESENTATION ............................................................................... At the completion of the Automatic Presentation the following appears: >>>>> This ENDS the AUTOMATIC PRESENTATION - When MAIN MENU reappears, you may proceed at your choice - Press Return for Main Menu:.. Changing of the program between Demo & Regular can be done at Main Utilities Option 1 (User Code) (See C-3-1) or by Exiting and Restarting the program. ------------------------------------------------------------------------------- SECTION C - MAIN MENU --------------------- The MAIN MENU OF OPTIONS allows for the selection of any of five options: OPTION 1 = Program Narrative Presentation: General Information relative to the features/benefits of the program and First Financial. An explanation of the shareware system is provided. OPTION 2 = EDUCATION PLANNING MODULE: Questionnaire, Data Input and Illustration for Education Funding Analysis. OPTION 3 = Utilities Options Menu: Presents program maintenance and special options. OPTION 4 = Customer Service and Order Information/Form: Shows where to call for help, price information and to print the Registration Form. OPTION 5 = Exit FPLAN Demonstration Program: Will exit the program and return your computer system to DOS. ------------------------------------------------------------------------------- FPLAN USERS GUIDE Page 3 ------------------------------------------------------------------------------- MAIN MENU OF OPTIONS: FOR DETAILS SEE: SECTION .. PAGE --------------------- ---------------- ------- ---- 1 = Program Narrative Presentation:............... C-1 ..... 4 2 = EDUCATION PLANNER MODULE MENU:................ D ..... 8 3 = Main Utilities Options Menu:.................. C-3 ..... 5 4 = Customer Service and Order Information/Form:.. C-4 ..... 8 5 = Exit FPLAN Demonstration Program:............. C-5 ..... 8 ------------------------------------------------------------------------------- SECTION C-1 - Program Narrative Presentation -------------------------------------------- First Financial Software has been providing professional financial planning software to professionals (Financial Planners, Stockbrokers, Insurance Agents, CPA's, etc.) since 1982. Our commercial program, FPLAN, covers all aspects of personal financial planning from investments to insurance. Because of the need for an organized approach to financial planning and to make it available to more people, we have decided to provide various FPLAN modules as Shareware. This Financial Planner module is designed to assist individuals in the planning of their EDUCATION FUNDING. Whether it is for children, grand- children or other persons, education costs are a major factor in financial planning. This Program will identify the required funding to cover future college costs. While there are many scholarship and grant programs available, with government cut-backs and the expectation for personal funding, the programs should be considered as an extra benefit. As time goes on, updating with this program, makes easy monitoring of attainment of the education funding financial planning goal. The program was designed to be easy to use, even for those who do not have extensive experience with computers. The program Menus encompass all that you need to know to perform your own Education Funding Analysis. (In the Demonstration Mode, Each Menu will be preceded by an explanation screen) If you find this program useful and would like more financial planning in this format, we have a few suggestions and requests. 1. Notify your Shareware Distributor to let you know when new FPLAN Modules are available. If you register, we will notify you also. 2. Education Planning should be made in consideration of your total financial situation. We have a shareware program that can be used to determine you over-all financial situation. This program is explained in detail at Utilities Option #2. 3. If your a financial planning professional or would like your advisor to consider using the Professional FPLAN Program, order the FPLAN DEMO KIT (See Main Menu Option 4) (Also See Section C-4). 4. Since there are Financial Planning Professionals using FPLAN throughout the US from Hawaii to New York, we can place you in contact with the closest FPLAN user. They would be happy to discuss financial planning and give suggestions for implementation of financial programs. ------------------------------------------------------------------------------- FPLAN USERS GUIDE Page 4 ------------------------------------------------------------------------------- SECTION C-2 - EDUCATION PLANNER MODULE MENU ------------------------------------------- SEE SECTION D (Page 8) ------------------------------------------------------------------------------- SECTION C-3 - MAIN UTILITIES MENU --------------------------------- The MAIN UTILITIES MENU allows for the selection of any of five options: OPTION 1. TO INPUT USER CODE: Allows for input of User Code to change program from Demonstration to Regular Program or back to Demonstration. OPTION 2. DETAILS OF A TOTAL PRELIMINARY FINANCIAL ANALYSIS PROGRAM: Over- all Analysis Shareware Program explained OPTION 3. SPECIAL INSTRUCTIONS FOR PRINTING: Allows for Set-Up to accommodate Laser Printers and comments on printing problems. OPTION 4. GENERAL HELP/TRAINING MENU: Program items explained in detail. OPTION 5. LICENSE AGREEMENT: Our agreement which allows you use the program. ............................................................................... MAIN UTILITIES MENU: FOR DETAILS SEE: SECTION .. PAGE -------------------- ---------------- ------- ---- 1. TO INPUT USER CODE:................................ C-3-1 .... 5 2. DETAILS OF TOTAL FINANCIAL ANALYSIS PROGRAM:....... C-3-2 .... 6 3. SPECIAL INSTRUCTIONS FOR PRINTING:................. C-3-3 .... 7 4. GENERAL HELP/TRAINING MENU:........................ F-1 .... 22 5. LICENSE AGREEMENT:................................. C-3-5 .... 7 ------------------------------------------------------------------------------- SECTION C-3-1 ------------- Utilities Option 1 - USER CODE INPUT (User Code in Use:... XXXX ) ------------------------------------ (Demo) 1. TO INPUT USER CODE (This will ask for a provided 4 digit code which will activate the REGULAR MODE of the program, if desired.) (Regular) 1. TO INPUT USER CODE (You MUST Enter Your 4 Digit User Code or press return for DEMONSTRATION Mode.) The USER CODE system is used for the Commercial Version of FPLAN to validate and authorize use of the program during the lease period. For Shareware, you may enter the USER CODE 1234 to change the Program from DEMONSTRATION to REGULAR Mode. If you enter other than 1234, the Program Mode will change to or continue with the DEMONSTRATION Mode. ------------------------------------------------------------------------------- FPLAN USERS GUIDE Page 5 ------------------------------------------------------------------------------- Various Messages depending on Mode in Use: ------------------------------------------ To Continue with DEMONSTRATION Mode, just Press Return or Enter USER CODE: 1234 to validate the program (Change to Regular Mode). To Input USERS CODE, you must be in REGULAR MODE or NON-AUTOMATIC Presentation You must enter 4 Digit USERS CODE: 1234 or program will revert to DEMO. If Desired, INPUT 4 DIGIT USER CODE AND PRESS RETURN:.... (CANNOT CHANGE WHILE IN AUTOMATIC PRESENTATION) INPUT 4 DIGIT USER CODE AND PRESS RETURN:.... ------------------------------------------------------------------------------- SECTION C-3-2 ------------- Utilities Option 2 - Details of a TOTAL PRELIMINARY FINANCIAL ANALYSIS Program ------------------------------------------------------------------------------ FPLAN - PERSONAL FINANCIAL PLANNER Shareware Program ---------------------------------------------------- The Personal Financial Planner program is designed to assist individuals in their own total financial situation analysis. Subjects areas include: * Budget Information: Current Income & Expenses can be monitored. Computes ------------------- the new Social Security & Medicare expansion tax. * Balance Sheet: Your Assets & Liabilities used to determine your personal -------------- Net Worth. * Economic Assumptions: Determination of Emergency Fund Requirements. Tax --------------------- (New 1991 Rates) & Inflation Computations. * Education Funding: Determination of Requirements for funding of education ------------------ expenses for children or grand-children. * Retirement Needs: Determination of requirements for a financial secure ----------------- retirement. * Capital Needs (Life Insurance): Determines amount of financial assets ------------- needed to support dependents in case of death. * Income Protection (Disability): Financial situation if injured or ----------------- disabled. * Impact of Taxes & Inflation: Real situation of rates of return on savings ---------------------------- and investment assets. * Personal Data: Information relative to your family which can be saved & -------------- edited. * Insurance Information Form: Information relative to all types of --------------------------- insurance policies to be kept in a where it can be made available in case of emergency or problems where you are not available. * Planning Checklist: Designed for an organized approach to reviewing your ------------------- total financial situation. You can choose all or just a particular subject of interest. The accurate completion of this program will help identify any financial problem areas where adjustments may be needed. You may monitor and update information as necessary to know the current status and insure you are on track or what adjustments are needed to achieve your identified financial goals. If you are interested in a more detailed financial planning analysis of areas identified with this program, you can order the other shareware program(s) in the FPLAN-FINANCIAL PLANNING SERIES concerning the specific area of concern. ------------------------------------------------------------------------------- FPLAN USERS GUIDE Page 6 ------------------------------------------------------------------------------- SECTION C-3-3 ------------- Utilities Option 3 - Special Instructions for Printing ------------------------------------------------------ This Program is now set-up for LASER PRINTERS You may change the set-up to use a regular printer as instructed below. ---- or ---- This Program is now set-up for REGULAR PRINTERS Align top of sheet at paper guide bar on your printer. This will be the proper position on most printers. If you have a Laser Printer you need to change the set-up as instructed below. Most printing problems are due to the printer not being turned on and running out of paper. Before printing the program will ask you if the printer is ready. Please take that time to check. NOTE: This Option is not available in the AUTOMATIC Presentation Mode. Type 1 and Press Return to CHANGE PRINTER SET-UP or Just Press Return for UTILITIES MENU:..... ------------------------------------------------------------------------------- SECTION C-3-4 - Utilities Option 4 - General Help/Training Menu --------------------------------------------------------------- SEE SECTION F (Page 22) ------------------------------------------------------------------------------- SECTION C-3-5 - Utilities Option 5 - License Agreement ------------------------------------------------------ FPLAN COMPUTER PROGRAM LICENSE AGREEMENT - LICENSOR: First Financial Software ------------------------------------------------------------------------------- 1. COPYRIGHT: THIS PROGRAM IS PROTECTED BY FEDERAL COPYRIGHT LAW. THE PROGRAM REMAINS THE EXCLUSIVE PROPERTY OF THE LICENSOR. THE USER IS GRANTED A NON- EXCLUSIVE LICENSE TO USE THE PROGRAM. THE USER MAY NOT SELL OR USE THIS PROGRAM FOR COMMERCIAL PURPOSES. AFTER AN INITIAL REVIEW PERIOD, THE USER WILL PAY A REGISTRATION FEE, AS NOTED IN THE PROGRAM, FOR CONTINUED USE OF THE PROGRAM. 2. INSTALLATION OF PROGRAM: THE USER WILL PROVIDE ANY NECESSARY OPERATION MS- DOS OR RELATED SOFTWARE TO OPERATE THE PROGRAM. 3. EXCLUSION OF WARRANTY: THE PROGRAM IS PROVIDED 'AS IS' WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR ANY PARTICULAR PURPOSE. 4 LIMITATION OF LIABILITY: FIRST FINANCIAL SOFTWARE OR ITS PRINCIPALS, EMPLOYEES OR ANY RELATED COMPANIES SHALL NOT BE LIABLE FOR ANY DAMAGES (WHETHER DIRECT OR INDIRECT, CONSEQUENTIAL OR INCIDENTAL, COMPENSATORY OR PUNITUVE) ARISING OUT OF THE USE OR INABILITY TO USE THE PROGRAM. THIS PROGRAM IS NOT INTENDED TO PROVIDE INVESTMENT/LEGAL ADVICE. CONSULT YOUR PROFESSIONAL ADVISOR. 5. ENTIRE AGREEMENT, MODIFICATIONS: THE USE OF THE PROGRAM OR ANY RELATED MATERIAL IS DEFACTO ACCEPTANCE OF THIS AGREEMENT. THIS INSTRUMENT CONSTITUTES THE ENTIRE AGREEMENT OF THE PARTIES. NO MODIFICATION OR AMENDMENT OF THIS AGREEMENT SHALL BE BINDING EXCEPT IF IN WRITING AND SIGNED BY THE PARTIES. ------------------------------------------------------------------------------- FPLAN USERS GUIDE Page 7 ------------------------------------------------------------------------------ SECTION C-4 - CUSTOMER SERVICE AND ORDER INFORMATION/FORM: ---------------------------------------------------------- This Program is provided under the Shareware System. If you wish to use the program after your initial review, a Registration Fee of $ 30.00 is requested. Payment of the Registration fee will provide the latest version, telephone support, 20% discount on other FPLAN Programs and a 50% discount on future versions. Registration also provides for the continued development and distribution of these programs. Please submit a completed FPLAN ORDER FORM to effect registration. You may register by sending check or money order. The latest version will be shipped the next business day. You can also register with MC, Visa, Amex or Discover Credit Cards from the Public Software Library (PSL) by calling 1-800-242-4775, by FAX to 1-713-524-6398 or by CIS Email to 71355-470. These numbers are for REGISTRATIONS ONLY. to insure you get the latest version, PSL will notify us the day of your registration and we will ship the program direct to you. Any questions about the status of the shipment, refunds, product details, tech support, volume discounts, dealer pricing, site licenses, etc. must be directed to First Financial Software at 1-800-736-4920. You may use the FPLAN ORDER FORM to order Evaluation Disks of other FPLAN Financial Planner Series Programs @ $5/Disk or the FPLAN Commercial Version Demonstration Kit. You will be notified of any delays for new or revisions of ordered programs. If you have any questions, please call. ------------------------------------------------------------------------ SECTION C-5 - EXIT OF PROGRAM ----------------------------- (From DEMO) 5 = Exit FPLAN Demonstration Program. (To Use the Automatic Presentation, you must exit and Restart the Program) (From Regular) 5 = Exit FPLAN Program. Choosing this option will bring FPLAN Logo screen & return your system to DOS> ------------------------------------------------------------------------------- SECTION D - EDUCATION FINANCIAL PLANNER MODULE MENU ------------------------------------------------------------------------------ SECTION D-1 - Module Menu Initial Screen ---------------------------------------- .............................................................................. 1. EDUCATION PLANNING BASIC ANALYSIS MODULE 2. QUESTIONNAIRE PRINT MENU 3. MODULE HELP/TRAINING MENU At this Menu you may proceed directly to the Analysis Module (Option #1), Print the Questionnaire Form with Option for Instruction Sheet (Option #2), Select the Modules Help/Training Menu for explanations of the programs features and benefits (Option #3) or Return to the Main Menu by Just Pressing Return. (Option #2 & #3 Not Reviewed in the Automatic Presentation) ------------------------------------------------------------------------------ TYPE MODULE# DESIRED AND PRESS RETURN (Just Press Return for MAIN MENU):.. .............................................................................. MODULES MENU FOR DETAILS SEE: SECTION .. PAGE ------------ ---------------- ------- ---- 0 MAIN MENU:.............................................. C ... 3 1 EDUCATION PLANNING BASIC ANALYSIS MODULE:............... D-1-1 ... 9 2 QUESTIONNAIRE PRINT MENU:............................... D-1-2 ... 9 3 MODULE HELP/TRAINING MENU:.............................. F-2 ... 24 ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 8 ------------------------------------------------------------------------------ SECTION D-1-0 Main Menu ----------------------- See Section C Page 3 ------------------------------------------------------------------------------ SECTION D-1-1 Basic Analysis Module Initial Screen -------------------------------------------------- If you have not Saved any Previous Data in the Module, the First Screen will be the SET-UP Screen (See Section D-2). If you have Saved Previous Data in the Module, the First Screen will be the Basic Analysis Module - GENERAL MENU (See Section D-3). ------------------------------------------------------------------------------ SECTION D-1-2 Questionnaire Print Menu -------------------------------------- QUESTIONNAIRE PRINT MENU: The Questionnaire includes a 1 Page Instruction Sheet and a 1 Page Blank Data Sheet for Up to 5 Persons. If you already have the Instruction Sheet, you have the Option to Just Print the Blank Data Sheet. ------------------------------------------------------ Printer Set-Up for: Regular (or Laser) Printer (Can Change at MAIN UTILITIES MENU Option #3) Will PRINT Instructions and/or Data Sheet. /If both are choosen, will have option to Stop between Pages or Continuous/ (To CANCEL this Print, Type 1 & Press Return) ------------------------------------------------------ - PRINTER READY? - PRESS RETURN TO PRINT Make sure your printer is ON and paper is ready or Type 1 to Cancel. The MENU SCREEN Will Return after Printing. ------------------------------------------------------------------------------ SECTION D-1-3 Module Help/Training Menu --------------------------------------- See Section F Page 24 ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 9 ------------------------------------------------------------------------------ SECTION D-2 - Initial Set-Up Menu --------------------------------- This Menu is Provided for Initial Set-Up or after All Data has been Deleted for this Module (General Utilities/Edit Menu Option #3). .............................................................................. OPTION: 1. Print Questionnaire Information 2. Set-Up for Total Number of Persons for Analysis (Currently Set-Up for xx Persons) Economic Assumptions: --------------------- 3. College Cost Yearly Increase (Inflation) Rate 4. Rate of Return for College Funding Accounts 5. Input Data for ALL Persons (can do this now or choose individually at Specific Analysis Menu) ------------------------------------------------------------------------------ Input OPTION # Desired or Just Press Return(CR) for SPECIFIC ANALYSIS MENU:... .............................................................................. MODULES MENU FOR DETAILS SEE: SECTION .. PAGE ------------ ---------------- ------- ---- 0 SPECIFIC ANALYSIS MENU:................................. D-5 ... 16 1 PRINT QUESTIONNAIRES INFORMATION:....................... D-2-1 ... 10 2 SET-UP FOR NUMBER OF PERSONS FOR ANALYSIS:.............. D-2-2 ... 11 3 ECONOMIC ASSUMPTIONS - COST INCREASES:.................. D-2-3 ... 11 4 ECONOMIC ASSUMPTIONS - RATE OF RETURN:.................. D-2-4 ... 11 5 INPUT DATA FOR ALL:..................................... D-2-5 ... 12 ------------------------------------------------------------------------------ SECTION D-2-0 SPECIFIC ANALYSIS MENU ------------------------------------- See Section D-5 Page 16 ------------------------------------------------------------------------------ SECTION D-2-1 PRINT QUESTIONNAIRES INFORMATION ----------------------------------------------- - Initial Set-Up Menu Option #1 and GENERAL MENU Option #4 The Printing of the Questionnaire can be done from the Planning Modules Selection Menu. You would need to Exit this Module First, then select the Proper Questionnaire to Print at the Menu. The Questionnaire includes a 1 Page Instruction Sheet and a 1 Page Blank Data Sheet for Up to 5 Persons. If you already have the Instruction Sheet, you have the Option to Just Print the Blank Data Sheet. Since the Instruction and Data Sheet are Two Pages, you have the Option to Print Continuous or to Stop Between Pages. ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 10 ------------------------------------------------------------------------------ SECTION D-2-2 SET-UP FOR NUMBER OF PERSONS FOR ANALYSIS -------------------------------------------------------- NOTE: Use This Option to Set-Up Number of Persons for Education Funding Planning and Analysis. You are Allowed for up to 10 Persons. Number of Persons (1 to 10):... /Would Input Number Here/ /Most Input Items will allow for reedit of the screen by input of 1 here./ ------------------------------------------------------------------------------ SECTION D-2-3 ECONOMIC ASSUMPTIONS - COST INCREASES ---------------------------------------------------- - Initial Set-Up Menu Option #3 and - General Utilities/Edit Option #1 Economic Assumptions - Inflation NOTE: By Using This Option the Yearly Cost Inflation Rate will be the Selected Rate for ALL Persons. If Different Inflation Rates are Applicable, that Rate can be Selected during Each Persons Input or Edit of Specific Information Data. (If you use Option for Rate for All, Program will Recompute, taking a Moment) /If you choose to exercise the option, the following will appear, If not, the MENU will reappear and you may input rate at each persons input./ CURRENT Yearly Cost Increase (Inflation) Rate:.... % 0.00 >>>> Input New Rate or Press Return for 5%:............ % 5.00 Will Use as Yearly Inflation Rate:................ % 5.00 ------------------------------------------------------------------------------ SECTION D-2-4 ECONOMIC ASSUMPTIONS - RATE OF RETURN ---------------------------------------------------- - Initial Set-Up Menu Option #4 and - General Utilities/Edit Option #2 Economic Assumptions - Rate of Return NOTE: By Using This Option the After-Tax Growth/Yield Rate will be the Selected Rate for ALL Persons. If Different Growth/Yield Rates are Applicable, that Rate can be Selected during Each Persons Input or Edit of Specific Information Data. (If you use Option for Rate for All, Program will Recompute, taking a Moment) /If you choose to exercise the option, the following will appear, If not, the MENU will reappear and you may input rate at each persons input./ CURRENT After-Tax Growth/Yield Rate to Use:....... % 0.00 >>>> Input New Rate or Press Return for 10%:........... % 10.00 Will Use as After-Tax Growth/Yield Rate:.......... % 10.00 ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 11 ------------------------------------------------------------------------------ SECTION D-2-5 INPUT DATA FOR ALL --------------------------------- Input Data for ALL Persons If you choose this option, the input screens for all items will appear. If you have choosen more than one person (Option #2), the inputs for all will appear before the Specific Analysis Menu. You can review each Input Screen from Option #1 of the DETAILED ANALYSIS or Option #1 of the DETAILED DATA SCREEN. See Section E (Page 20) for Details ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ SECTION D-3 - Basic Analysis Module - GENERAL MENU -------------------------------------------------- # # Adjusted Current Lump Sum or Monthly Name Age Col Yrs Total Cost Col Fund To Fund Now Deposit -------------- --- --- --- ---------- -------- ----------- ------- Mary 7 3 6 $ 58,557 $ 10,000 $ 7,515 $ 83.41 John 12 1 4 $ 23,104 $ 5,000 $ 5,275 $ 94.51 ------------------------------ ---------- -------- ----------- ------- Totals:...................... $ 81,661 $ 15,000 $ 12,790 $177.92 OPTIONS: 1. SPECIFIC ANALYSIS MENU 2. General Utilities/Edit Menu 3. Exit to MAIN MENU (Not Saving New Data) 4. PRINT Options for Illustration 5. Exit to MAIN MENU (Save New Data) ------------------------------------------------------------------------------ Type OPTION # Desired or Just Press Return(CR) for SET-UP MENU:............. .............................................................................. MODULES MENU FOR DETAILS SEE: SECTION .. PAGE ------------ ---------------- ------- ---- 0 SET-UP MENU:............................................ D-2 ... 10 1 SPECIFIC ANALYSIS MENU:................................. D-5 ... 16 2 General Utilities/Edit Menu:............................ D-4 ... 14 3 Exit to MAIN MENU (Not Saving New Data):................ D-3-3 ... 13 4 PRINT Options for Illustration:......................... D-3-4 ... 13 5 Exit to MAIN MENU (Save New Data):...................... D-3-5 ... 14 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ SECTION D-3-0 SET-UP MENU -------------------------- See Section D-2 Page 10 ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 12 ------------------------------------------------------------------------------ SECTION D-3-1 SPECIFIC ANALYSIS MENU ------------------------------------- See Section D-5 Page 16 ------------------------------------------------------------------------------ SECTION D-3-2 General Utilities/Edit Menu ------------------------------------------ 1. ECONOMIC ASSUMPTIONS: Cost Inflation 2. ECONOMIC ASSUMPTIONS: Rate of Return 3. Delete ALL EXISTING DATA for THIS MODULE 4. Change MODE From DEMONSTRATION to REGULAR /or/ Change MODE From REGULAR to DEMONSTRATION NOTE: To Edit Specific Item for a Specific Person, Use Option #2 at the Specific Analysis Selection Menu for that Child. For Details See Section D-4 Page 14 ------------------------------------------------------------------------------ SECTION D-3-3 Exit to MAIN MENU (Not Saving New Data) ------------------------------------------------------ If you DO NOT want to SAVE New/Changed Data and Return to the MAIN MENU - TYPE 3 and Press Return. NOTE: This WILL NOT SAVE any New/Changed Data for the MODULE In-Use and the Data SAVED will be the Last DATA SAVED with OPTION #5. MAKE SURE YOU WANT TO DO THIS. ------------------------------------------------------------------------------ SECTION D-3-4 PRINT Options for Illustration --------------------------------------------- Illustration Print Options are: 1. Main Illustration which is a Recap of all the Detailed Analysis for each Person and a one page Sub-Illustration on each person with their Detailed Analysis Information. This Illustration would be /Number of/ Pages. /or/ Just the Main Illustration which is a Recap of all the Detailed Analysis on each person. This Illustration would be # Page(s). (To Just Print a particular detailed analysis for a Specific Person, Use the Print Option at the Detailed Analysis Menu. To Cancel this PRINT, Just Press Return until the PRINTER READY Question - Then Type 1) Type 1 & Press Return to Print Main and all Sub-Illustrations or Just Press Return to Print Just Main Illustration:..... ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 13 ------------------------------------------------------------------------------ SECTION D-3-4 PRINT Options for Illustration Continued ------------------------------------------------------- Since this Illustration will be /More than One/ Page, you have the Option to Print Continuous or to Stop Between Pages. Type 1 & Press Return to Print Continuous or Just Press Return to Print Stopping Between Pages:.... Module PRINT ILLUSTRATION Items: -------------------------------- -------------------------------------------------------- Printer Set-Up for: /Regular or Laser/ (Can Change at MAIN UTILITIES MENU Option #3) Will PRINT Just Main Illustration /or/ Will PRINT Main & Sub-Illustrations /As You Choose/ This Illustration will be /Number of/ Page(s) Printing Will Stop Between Pages /or/ Printing will be Continuous /As You Choose/ (To CANCEL this PRINT - Type 1 & Press Return) -------------------------------------------------------- - PRINTER READY? (If Not, Type 1) - Press Return to PRINT ILLUSTRATION - ------------------------------------------------------------------------------ SECTION D-3-5 Exit to MAIN MENU (Save New Data) ------------------------------------------------ If you WANT to SAVE NEW/CHANGED DATA and Return to the MAIN MENU - TYPE 5 and Press Return NOTE: This will SAVE ALL NEW/CHANGED DATA for the MODULE In-Use MAKE SURE YOU WANT TO DO THIS - Use Option #3 to NOT SAVE any NEW/CHANGED DATA and keep the Data last SAVED. -------------------------------------------------------------------------------- SECTION D-4 General Utilities/Edit Menu ---------------------------------------- 1. ECONOMIC ASSUMPTIONS: Cost Inflation 2. ECONOMIC ASSUMPTIONS: Rate of Return 3. Delete ALL EXISTING DATA for THIS MODULE 4. Change MODE From DEMONSTRATION to REGULAR /or/ Change MODE From REGULAR to DEMONSTRATION NOTE: To Edit Specific Item for a Specific Person, Use Option #2 at the Specific Analysis Selection Menu for that Child. ------------------------------------------------------------------------------ Type OPTION # Desired or Just Press Return(CR) for GENERAL MENU Screen:..... .............................................................................. ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 14 ------------------------------------------------------------------------------ MODULES MENU FOR DETAILS SEE: SECTION .. PAGE ------------ ---------------- ------- ---- 0 GENERAL MENU:........................................... D-3 ... 12 1 ECONOMIC ASSUMPTIONS: Cost Inflation:................... D-2-3 ... 11 2 ECONOMIC ASSUMPTIONS: Rate of Return:................... D-2-4 ... 11 3 Delete ALL EXISTING DATA for THIS MODULE:............... D-4-3 ... 15 4 Change MODE:............................................ D-4-4 ... 15 ------------------------------------------------------------------------------ SECTION D-4-0 GENERAL MENU --------------------------- See Section D-3 Page 12 ------------------------------------------------------------------------------ SECTION D-4-1 ECONOMIC ASSUMPTIONS: Cost Inflation -------------------------------------------------- See Section D-2-3 Page 11 ------------------------------------------------------------------------------ SECTION D-4-2 ECONOMIC ASSUMPTIONS: Rate of Return -------------------------------------------------- See Section D-2-4 Page 11 ------------------------------------------------------------------------------ SECTION D-4-3 Delete ALL DATA for THIS MODULE --------------------------------------------- You will be asked the following important question: Are You SURE You Want to DELETE ALL EXISTING DATA for this MODULE? (If Deleted, When Finished with Module -Need to Exit Module Using Option 5) If YES, Type 1 & Press Return - If NO, Just Press Return:........ " /If you choose to delete, the following appears. If you exit using Option #3 (Not Saving), the data will be as when you came to the module. To delete you need to Exit using Option #5./ ****** DELETEING DATA FILES FOR THIS MODULE - WAIT FOR NEW SCREEN ****** ------------------------------------------------------------------------------ SECTION D-4-4 Change MODE ------------------------- Change MODE From DEMONSTRATION to REGULAR/ or Reverse/ With this Option, You can change back and forth between Demo and Regular for Review Purposes. ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 15 ------------------------------------------------------------------------------ SECTION D-5 SPECIFIC ANALYSIS MENU ----------------------------------- .............................................................................. Information on the following Persons are Saved in Program Number Name ------ --------------------- 1 Mary 2 John ------ --------------------- .............................................................................. Select Number for DETAILED ANALYSIS MENU, Next Number to Add a New Person or Just Press Return for GENERAL MENU Screen:...... ------------------------------------------------------------------------------- SECTION D-6 DETAILED ANALYSIS MENU ----------------------------------- .............................................................................. This Menu Concerns Information Relative to: Number Name ------ --------------------- 1 Mary ------ --------------------- OPTIONS: 1. Enter All Information 2. Return to SPECIFIC ANALYSIS MENU 3. Delete All Data for this Person ------------------------------------------------------------------------------ Type OPTION # Desired or Just Press Return(CR) for DETAILED DATA SCREEN:..... .............................................................................. MODULES MENU FOR DETAILS SEE: SECTION .. PAGE ------------ ---------------- ------- ---- 0 DETAILED DATA SCREEN:................................... D-7 ... 17 1 Enter All Information:.................................. E ... 20 2 Return to SPECIFIC ANALYSIS MENU:....................... D-5 ... 16 3 Delete All Data for this Person:........................ D-6-3 ... 17 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ SECTION D-6-0 DETAILED DATA SCREEN ----------------------------------- See Section D-7 Page 17 ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 16 ------------------------------------------------------------------------------ SECTION D-6-1 Enter All Information ----------------------------------- See Section E Page 20 ------------------------------------------------------------------------------ SECTION D-6-2 Return to SPECIFIC ANALYSIS MENU ---------------------------------------------- See Section D-5 Page 16 ------------------------------------------------------------------------------ SECTION D-6-3 Delete All Data for this Person ---------------------------------------------- You will be asked the following important question: Name:......... Mary Are You SURE You Want to DELETE ALL EXISTING DATA for this Person? (If Deleted, When Finished with Module -Need to Exit Module Using Option 5) /If you choose to delete, the following appears. If you exit using Option #3 (Not Saving), the data will be as when you came to the module. To delete you need to Exit using Option #5./ ****** DELETEING DATA FILES FOR Mary - WAIT FOR NEW SCREEN ****** ------------------------------------------------------------------------------ SECTION D-7 DETAILED DATA SCREEN --------------------------------- DETAILED DATA SCREEN for #1 ... Mary ... Current Age:.. 7 After Tax Growth/Yield Rate:..... 8.00% Current Education Fund Balance:....................... $ 10,000 Future Planned Lump-Sum Deposit in Year:.. 0 of:...... $ 0 Planned Monthly Additions Starting in Year:.. 0 of:................ $ 0.00 Start Current Inf Adjusted Lump Sum or Monthly Nr College Name Age Cost/Yrs Rate Total Cost To Fund Now Deposit -- -------------- ----- ---------- ------ ---------- ----------- -------- 1. Local C/C 18 $ 1,000/2 5.00% $ 3,506 2. Regular U 20 $ 4,000/2 5.00% $ 15,462 3. Graduate U 22 $ 6,000/2 8.00% $ 39,589 -- -------------- ----- ---------- ------ ---------- ----------- -------- Totals:......................... $ 58,557 $ 7,515 $ 83.41 OPTIONS: 1. Enter All Information 2. Edit Existing Information 3. View Yearly Detailed Analysis for this Person 4. PRINT ILLUSTRATION for this Person ------------------------------------------------------------------------------ Type OPTION # Desired or Just Press Return(CR) for GENERAL MENU Screen:...... .............................................................................. ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 17 ------------------------------------------------------------------------------ SECTION D-7 DETAILED DATA SCREEN Continued ------------------------------------------- MODULES MENU FOR DETAILS SEE: SECTION .. PAGE ------------ ---------------- ------- ---- 0 GENERAL MENU:........................................... D-3 ... 12 1 Enter All Information:.................................. E ... 20 2 Edit Existing Information:.............................. D-7-2 ... 18 3 View Yearly Detailed Analysis:.......................... D-7-3 ... 19 4 PRINT ILLUSTRATION for this Person:..................... D-7-4 ... 19 ------------------------------------------------------------------------------ SECTION D-7-0 GENERAL MENU --------------------------- See Section D-3 Page 12 ------------------------------------------------------------------------------ SECTION D-7-1 Enter All Information ------------------------------------ See Section E Page 20 ------------------------------------------------------------------------------ SECTION D-7-2 Edit Existing Information ---------------------------------------- Specific Items Edit for /Name/ Current Information in Program: .............................................................. Cost Inflation:............ 61. % 5.00 62. % 5.00 63. % 8.00 1. Persons Name:....... Mary 2. Current Age:........ 7 College #1 College #2 College #3 --------------- --------------- --------------- 3. Name (or #) of College(s):. Local C/C Regular U Graduate U --------------- --------------- --------------- Start College Age:......... 31. 18 32. 20 33. 22 Cost per Year:............. 41. $ 1000 42. $ 4000 43. $ 6000 For Number of Years:....... 51. 2 52. 2 53. 2 7. Lump-Sum to Add:......... $ 0.00 /At this Menu you can choose 8. To Add in Year #:... 0 to Edit a Specific Line # and 9. Monthly Deposit:......... $ 0.00 the change will recompute. 10. To Start in Year #:. 0 You change Data to Zero here 11. Current Fund Amount:..... $ 10000.00 also./ 12. Growth/Yield Rate:....... % 8.00 Choose Item# to EDIT of Just Press Return for DETAILED DATA SCREEN:....... ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 18 ------------------------------------------------------------------------------ SECTION D-7-3 View Yearly Detailed Analysis -------------------------------------------- Yearly Detailed Data for #1 ... Mary ... Current Age:... 7 After Tax Growth/Yield Rate:.. 8.00% Year Additions Earnings Balance Disbursements Balance ----- ---------- ---------- ---------- ------------- ---------- Begin: $ 10,000 $ 10,000 0 $ 0 $ 800 $ 10,800 $ 0 $ 10,800 1 $ 0 $ 864 $ 11,664 $ 0 $ 11,664 / Would illustrate each year until end of last school year. The ending balance if negative, is the amount the Lump-Sum Now or Monthly Deposit will fund. Assumes the Monthly Deposit will stop when 1st school is entered. If the illustration is longer than 12 years, a second page will appear. At the end of the Illustration, You can review the previous screen or return to Detailed Data Screen./ 15 $ 0 $ 913 $ 12,319 $ 19,033 $ -6,714 16 $ 0 $ 0 $ -6,714 $ 20,556 $ -27,269 ----- ---------- ---------- ---------- ------------- ---------- End: $ -27,269 $ 58,557 Press Return for DETAILED DATA Screen:... ------------------------------------------------------------------------------ SECTION D-7-4 PRINT ILLUSTRATION for this Person ------------------------------------------------- Module PRINT ILLUSTRATION Items: -------------------------------- --------------------------------------------- Printer Set-Up for: /Regular or Laser/ (Can Change at MAIN UTILITIES MENU Option #3) Will PRINT Detailed Illustration for:. Mary This Illustration is One Page (To CANCEL this PRINT - Type 1 & Press Return) ---------------------------------------------- - PRINTER READY? (If Not, Type 1) - Press Return to PRINT ILLUSTRATION - Press Return for DETAILED DATA Screen:... ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 19 ------------------------------------------------------------------------------ SECTION E DATA INPUT SCREENS ------------------------------------------------------------------------------ The Input of Data Screens can be reached as Option #1 of the DETAILED ANALYSIS MENU, DETAILED DATA SCREEN or Option #5 of the SET-UP MENU. NOTE: Length of Screens in Program will vary. At the end of each screen input, you should review your input for accuracy. Type 1 and Press Return and you can Reenter all the input for the screen. ------------------------------------------------------------------------------ DATA INPUT SCREEN #1 -------------------- Name of Person #1:.......................... /Name/ x..max length.x >>>> Input New Name or Press Return for Same:.. /Default=Name/ A. Current Age of Person #1 :................... # >>>> Input New Age or Press Return for Same:.... /Default=A.#/ Will Use as Current Age:..................... # * You now have the Option of Choosing From 1 to 3 Colleges. As an Example: You may choose college #1 as a starting community college @ $1,000/yr for 2 years. Then a regular college @ $4,000/yr for 2 more years. Then a graduate school @ $10,000/yr for 2 more years. Current Noted Number of Colleges to Use:... # >>>> Input New Number or Press Return for 1:.... /Default=1/ /Maximum allowed is 3/ Will Use as Number of Colleges:............ # ------------------------------------------------------------------------------ DATA INPUT SCREEN #2 -------------------- Name of College# 1: /Name of College/ x..max length.x >>>> Input New Name or Press Return for Same:.. /Default=Name Shown/ B. /Name/ will start college #1 at: Current Age Noted:.......... ## >>>> Input New Age or Press Return for Age 18:../College #1 Default=18/ Will Use as Start College Age:............. ## C. Current Yearly Cost Noted:................. $ ####.## >>>> Input New Cost or Press Return=$ 4000/Yr:../College #1 Default=$ 4000.00 Will Use as Yearly Cost Amount:............ $ ####.## D. Number of Years to Attend College #1 Noted:........ # >>>> Input New Number of Years or Press Return for 4:... /Default=4/ Will Use as Number of Years to Attend College #1:.. # E. Yearly Education Cost Inflation Rate for College #1:. % ##.## >>>> Input New Inflation Rate or Press Return for 5%:..... %/Default=5%/ Will Use as Yearly Inflation Rate for College #1:.... % ##.## ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 20 ------------------------------------------------------------------------------ DATA INPUT SCREEN #3 -------------------- **** /NOTE: Next Two Screens the Same for Colleges #2 & #3/ **** Name of College #X: /Name of College/ x..max length.x >>>> Input New Name or Press Return for Same:.. /Default=Name Shown/ B. /Name/ will start college #X at: Current Age Noted:.................. ## Age at which will end at College #X will be:........... ## >>>> Input New Age or Press Return for Age end College #X:./Default=End Last/ Will Use as Start College #X Age:...................... ## /NOTE: * Start Age Can Not Be Before Ending Last School/ C. Current Yearly Cost for College #X Noted:............ $ ####.## >>>> Input New Cost or Press Return for Same as Current:.. /Default=C. $ #/ Will Use as Yearly Cost Amount:...................... $ ####.## D. Number of Years to Attend College #X Noted:........ # >>>> Input New Number of Years or Press Return for Same: /Default=D. #/ Will Use as Number of Years to Attend College #X:.. # E. Yearly Education Cost Inflation Rate for College #X:. % ##.## >>>> Input New Inflation Rate or Press Return for 5%:..... %/Default=5%/ Will Use as Yearly Inflation Rate for College #X:.... % ##.## ------------------------------------------------------------------------------ DATA INPUT SCREEN #4 -------------------- F. Amount to Contribute as LUMP SUM Now or In Future: $ #####.## >>>> Input New Amount or Press Return for Same:........ $ /Default=F. $ #/ Will Use as LUMP-SUM Contribution Amount:......... $ #####.## G. Contribution as LUMP SUM will be Made in Year:.... ## >>>> Press Return for NOW or Type # of Year:........... /Default=G. ##/ /NOTE: Use in # of Years, NOT Year Number/ Will Use as LUMP-SUM Contribution Year:........... ## H. Amount to Contribute Monthly Now or In Future:.... $ ###.## >>>> Input New Amount or Press Return for Same:........ $ /Default=H. $ #/ Will Use as Monthly Contribution Amount:.......... $ ###.## I. Contribution as Monthly will Start in Year:....... ## >>>> Press Return for NOW or Type # of Year:........... /Default=I. ##/ /NOTE: Use in # of Years, NOT Year Number/ Will Use as Start Monthly Contribution in Year:... ## J. CURRENT Amount Earmarked for Education Fund:...... $ ######.## >>>> Input New Amount or Press Return for Same:........ $ /Default=J. $ #/ Will Use as Current Education Fund Amount:........ $ ######.## K. CURRENT After-Tax Growth/Yield Rate on This Fund:. % ##.## >>>> Input New Rate or Press Return for 10%:........... % /Default=10%/ Will Use as After-Tax Growth/Yield Rate:.......... % ##.## ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 21 ------------------------------------------------------------------------------ SECTION F - HELP/TRAINING MENUS ------------------------------- SECTION F-1 - Utilities Option 4 - GENERAL HELP/TRAINING MENU ------------------------------------------------------------- We will not review the individual items from the AUTOMATIC Presentation, but you can and should review each one from the Non-Automatic Demonstration Mode or Regular Mode. MOST ALL PROBLEMS CAN BE SOLVED BY REVIEWING HELP/TRAINING RELATIVE TO THE ITEM IN QUESTION. IF YOU NEED OTHER HELP - CALL 1-800-736-4920 - IF NO-ONE IS AVAILABLE OR IF AFTER HOURS - LEAVE YOU NAME, NUMBER AND BEST TIME TO CALL YOU BACK. 1. GENERAL OPERATING ITEMS (General Problems and How to Fix) 2. STARTING & OPERATING PROGRAM 3. STOPPING PROGRAM (Various Ways) 4. PRINTING (Various Problems and Solutions) CHOOSE OPTION DESIRED OR PRESS RETURN FOR MAIN UTILITIES MENU:..... GENERAL HELP/TRAINING MENU FOR DETAILS SEE: SECTION .. PAGE -------------------------- ---------------- ------- ---- 1. GENERAL OPERATING ITEMS:........................... F-1-1 ... 22 2. STARTING & OPERATING PROGRAM:...................... F-1-2 ... 23 3. STOPPING Program:.................................. F-1-3 ... 23 4. PRINTING:.......................................... F-1-4 ... 23 ------------------------------------------------------------------------------- SECTION F-1-1 - GENERAL HELP/TRAINING MENU OPTION #1: GENERAL OPERATING ITEMS ----------------------------------------------------------------------------- GENERAL PROBLEMS WITH THE PROGRAM NOT OPERATING CORRECTLY AND SUGGESTED CORRECTIVE MEASURES=FIX 1. (FLOPPY DISK) You Started your system, the program didn't run and displayed the message 'Non-System disk or disk error': Didn't Boot your system with your DOS Disk first. FIX=Re-Boot your system with DOS Disk first. 2. (HARD-DISK) You Typed - EFPLAN and the program didn't run and displayed The MESSAGE 'Bad command of file name': You are not in the Proper Sub- Directory and/or correct Drive. FIX=If installed on Drive X - on X> type CD\Proper Directory, Press Return, Then Type EFPLAN and Press Return. 3. Report/Questionnaire will not print: Some kind of Printer Problem. FIX=Insure your printer is on and connected correctly. 4. The program will only display DEMONSTRATION Information: Incorrect USERS CODE or Started wrong Module. FIX=INPUT CORRECT USERS CODE (1234) in Utilities Option 1 and DO NOT start any program other than EFPLAN. ------------------------------------------------------------------------------- FPLAN USERS GUIDE Page 22 ------------------------------------------------------------------------------- SECTION F-1-2 - HELP/TRAINING MENU OPTION #2 STARTING & OPERATING PROGRAM ------------------------------------------------------------------------- To Start the Program: At the DOS prompt > for the Drive where the program is located, type EFPLAN and Press Return. If while operating the program you incurr the following messages: Type mismatch in module XXXXX at address XXX:XXX - Hit any key to return to system - means there is a problem with the program. Reinstall program if on a hard-disk and/or try again. If the Problem is still present, contact your distributor or us for a replacement program disk. File not found in module XXXXX at address XXX:XXX - Hit any key to return to system - means there is a file missing from your disk or sub-directory. The following programs need to be present for the program to work: EFPLAN.EXE and EFPLANM.EXE If you do not have these files, contact your distributor or us for a replacement program disk. ------------------------------------------------------------------------------- SECTION F-1-3 - GENERAL HELP/TRAINING MENU OPTION #3: STOPPING PROGRAM ---------------------------------------------------------------------- THREE WAYS CAN BE USED TO EXIT THE PROGRAM: 1. Normally use Option #5 of the Main Menu of Options. In the planning Module use Option #3 (Not Saving New/Changed Data) or Option #5 (Saving New/Changed Data) to Return to Main Menu of Options. 2. While any place in the Program, Hold CTRL and Press the Break Key. *Break* Hit any key to return to system - will appear. No New or Changed Data will be saved and when the program is restarted, it will start at the last main menu used. 3. While any place in the Program, Turn OFF your Computer Systems. No New or Changed Data will be saved and when the program is restarted, it will start at the last main menu used. (Suggest ONLY using Item One for EXIT of the Program) ------------------------------------------------------------------------------- SECTION F-1-4 - GENERAL HELP/TRAINING MENU OPTION #4: PRINTING -------------------------------------------------------------- PRINT THE SCREEN: ON MOST SYSTEMS=Hold Shift Key and Press PrtSc KEEPS PRINTING SAME ILLUSTRATION OVER & OVER: Usually Problem with a Damaged Disk or Program. TRIED TO PRINT BUT DISPLAYED MESSAGE: Device fault/timeout in module XXXXX at address XXX:XXX - Hit any key to return to system - means: Printer was NOT ON, NO PAPER or PAPER JAM. You need to fix the problem and start over. Any changed or new data will not be saved. ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 23 ----------------------------------------------------------------------------- DOES NOT PRINT AND HAS STRANGE SCREEN MESSAGES: Problem with Computer or Printer. Try Turning OFF then Turning ON Printer. NOTE: THIS WILL ALSO CLEAR PRINT BUFFER OF TEXT. SPACING OF TEXT IS NOT CORRECT: Problem with Printer Dip Switches. Need to Refer to Your Printer Manual. SPACING OF PAGES IS NOT CORRECT: See Spacing of Text Above or If You Have a LAZER PRINTER it needs to be setup in MAIN UTILITIES MENU #3. ----------------------------------------------------------------------------- SECTION F-2 MODULE HELP/TRAINING MENU ------------------------------------- 1. MODULE NARRATIVE EXPLANATION: Purpose of Module 2. MODULE GENERAL MENU: Explain Selected Options 3. GENERAL UTILITIES/EDIT MENU: Explain Selected Item 4. QUESTIONNAIRE PRINT MENU: Explained 5. NORMAL PROBLEMS: What Usually Causes Inaccurate Results ------------------------------------------------------------------------------ Type Number of OPTION DESIRED and Press Return or Just Press Return for MODULE MENU:..... .............................................................................. HELP/TRAINING MENU FOR DETAILS SEE: SECTION .. PAGE ------------------ ---------------- ------- ---- 0 MODULE MENU:............................................ D-1 ... 9 1 MODULE NARRATIVE EXPLANATION:........................... F-2-1 ... 24 2 MODULE GENERAL MENU:.................................... D-3 ... 12 3 QUESTIONNAIRE PRINT MENU:............................... D-2-1 ... 10 4 NORMAL PROBLEMS:........................................ F-2-4 ... 25 ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ SECTION F-2-0 MODULE MENU -------------------------- See Section D-1 Page 9 ------------------------------------------------------------------------------ SECTION F-2-1 MODULE NARRATIVE EXPLANATION ------------------------------------------- This Option will explain the purpose of the Module and How it should be used. Any Special Input or Output will be explained also. This will be similiar to the information in Option #1 of of the MODULES HELP/TRAINING MENU. ------------------------------------------------------------------------------ FPLAN USERS GUIDE Page 24 ------------------------------------------------------------------------------ SECTION F-2-2 MODULE GENERAL MENU ---------------------------------- See Section D-3 Page 12 ------------------------------------------------------------------------------ SECTION F-2-3 QUESTIONNAIRE PRINT MENU --------------------------------------- See Section D-2-1 Page 10 ------------------------------------------------------------------------------ SECTION F-2-4 NORMAL PROBLEMS ------------------------------ INPUT of Decimals i.e. .28 Instead of Whole Numbers i.e. 28 for Per-Cent Data. INPUT of $ Signs or Commas i.e. $1000 or 1,000 Instead of 1000 for $ Number Data. Trying to Input Data while in DEMONSTRATION MODE. Changing the MODE is done in MAIN MENU Utilities Option #1 or at General Utilities/Edit Menu Option #4. Starting the Program from other than EFPLAN. Stopping the Program from other than Option #5 of MAIN MENU. Trying to Print without the Printer being ON. ------------------------------------------------------------------------------- SECTION G - TECHNICAL INFORMATION --------------------------------- ------------------------------------------------------------------------------- SECTION G-1 - GENERAL & SYSTEM REQUIREMENTS ------------------------------------------- To operate this program you need: 1. An IBM or Compatable PC computer with at least 256K RAM. (On some newer OS2 type IBM, program will not run. We can provide you the BASIC Version which will work. 2. DOS Operating System Version 2.0 or higher. 3. If you desire to print you may use a regular or laser printer. 4. The program may be installed on a hard-disk, if desired. You would need to set up a sub-directory and copy the files to it. See your Operating Manual. 5. For Registered Users we can provide a Master Menu Program (No Registration Fee Required) to run all FPLAN Modules from One Menu on a hard-disk. ------------------------------------------------------------------------------- FPLAN USERS GUIDE Page 25 ------------------------------------------------------------------------------- SECTION G-2 - FILES LISTING --------------------------- The following files MUST be present on your disk/sub-directory for the program to function correctly: EFPLAN.EXE EFPLANM.EXE The following files MAY be present on your disk/sub-directory for the special functions as outlined below: You may delete them to save space, if desired. README.1ST Initial operating instructions. ORDER.BAT ORDER.FRM Files to Print Registration/Order Form. UGUIDE.BAT UGUIDE.TXT Files to Print this Users Guide. PAGE.COM File that controls screen scrolling. (There may be a VENDOR.TXT file which pertains only to Shareware Vendors for marketing and should have been deleted from your distribution Disk) The following files MAY be present on your disk/sub-directory after you have used the program and should not be deleted. OPN*.CTR Control files for program functions. *(xx).DAT Data files of your Saved Data. ------------------------------------------------------------------------------- FPLAN USERS GUIDE Page 26