Contents

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Portfolio PAGES

Personal Investments Management

a product of RCCO Research

Overview

Program Usage

The Pages

Equities

Bonds

Cash

R.E. & Other

Summary - Reg.

Ret. - Equities

Ret. - Bonds

Ret. - Cash

Summary - Ret.

Summaries / Reports

A Page's Table View Grid

Editing in Table View

Rearranging Column Order and Resizing Columns

Navigational Toolbar

Command Buttons

Editing in General

The Report Writer

The About Screen

Online Documentation and Help

Program Specifications

Notes & Precautions

Licensing Information

Registration Notes

Additional Information

Portfolio Pages, Copyright 1996 RCCO Research.  All Rights Reserved under International Conventions.  Product of U.S.A.     (D)


Overview

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RCCO Research's Portfolio Pages is a visually-oriented approach to maintaining summaries and details for personal investments records.  Based on a concept of tabbed file pages representing a multiple-table system of an investment portfolio, the program allows for a broad range of recordkeeping for mutual funds, stocks, bonds, cash accounts, real estate and other assets, as well as including provision for various retirement accounts.  After detail particulars are entered by the user, various summary pages and a printed report offer perspective and an overall portrait of aggregate assets.

Portfolio Pages is meant to provide a simple, non-technical method for investors to perceive their investments, savings, and retirement accounts in various stages of creation and as ones which are easily maintainable over periods of time.  Each page of differing types of accounts may be viewed/edited in a table view grid approach to maintaining data.  Automatically calculating summary pages reflect various portions of the portfolio and provide instantaneous display panel updates based upon share price changes, additions, deletions, or other edits.  An easy-to-use single-button selection for the report writer prints a formatted tabular report for all securities, accounts, and other holdings.

Complete documentation and help is available online, as well as in Windows Write/WordPad format (suitable for printing).


Program Usage

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The program begins with a display window, from which all tabbed page selections can be made.  The initial page shows the Equities page for the Regular Accounts section of the portfolio.  Simply select the appropriate tab with the mouse for any page you wish to work with or view.  A new copy of Portfolio Pages contains a couple of records of sample data on each table page for the purpose of demonstrating the appearance of the tables as well as a suggested layout of data entry, and to provide material for the summary pages calculations as well as for a demonstration of the printed report.

There are two rows of five tabs each; at the program's opening, the front tab row will represent those portions of the portfolio that do not include retirement funds or accounts.  This portion is referred to as the Regular Accounts section.  As a tab from the back row (generally including the Retirement Accounts) is selected, the rear set of tabs moves to the fore to indicate that portion of the portfolio currently active (being worked with).

Each page contains a set of six grey display panels in the lower middle portion of the screen.  The first five panels of each page will contain from one to five lines of calculated summary information based on details entered into the various tables.  The sixth panel always contains the name of the particular page that is currently active and in view.

Three of the ten pages are summary pages, while the remaining seven contain one data table each, representing a particular facet from the investor's portfolio.  Four of those seven table pages are meant to contain information for Regular Accounts, while the remaining three table pages will provide facility for any Retirement Accounts information.  The summary pages include a page each for calculations and representations of the Regular Accounts section, the Retirement Accounts section, and both sections combined (the entire portfolio).

You may exit the program by pressing the <Exit> button that appears on every page.  Prior to exiting, please ensure that you have posted any changes to a page's table so that the modifications will be written to disk.

The tables have a limitation of three (3) records per table that may be viewed/edited in the unregistered copy.  The registered version has no practical limit on the number of records per table.  Any tables edited and maintained with the unregistered copy will be fully and immediately usable with a registered copy of the program.


The Pages

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The visual tabs representation of the various accounts pages are as follows:

Equities  	Regular Accounts - Equities Page

Bonds  	Regular Accounts - Bonds Page

Cash  	Regular Accounts - Cash Accounts Page

R.E. & Other	Regular Accounts - Real Estate & Other Page

Summary - Reg.  	Regular Accounts Summary Page

Ret. - Equities  	Retirement Accounts - Equities Page

Ret. - Bonds	Retirement Accounts - Bonds Page

Ret. - Cash  	Retirement Accounts - Cash Accts Page

Summary - Ret.  	Retirement Accounts Summary Page

Summaries / Reports  	Portfolio Summaries / Reports Page

Detail on the various pages follows in the browse sequence (>>  -- the Next button on the Help screen).

Equities

Bonds

Cash

R.E. & Other

Summary - Reg.

Ret. - Equities

Ret. - Bonds

Ret. - Cash

Summary - Ret.

Summaries / Reports


Equities

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Enter on this page all stock mutual funds, stock securities, and related areas that pertain to the Regular Accounts (i.e., non-retirement) section of the portfolio.  For stock holdings (as opposed to mutual fund shares), enter the current stock price into the Current NAV (Net Asset Value) cell.

The Net In cell should not include investment company or company-initiated items:  reinvested income or other distributions.   Enter into the Net In + Dstrbs cell all purchases and distributions, less redemptions; include all reinvested income, dividends or other distributions, as appropriate.  Mutual fund companies will often distribute Short Term Capital Gains Distributions (STCG), Long Term Capital Gains Distributions (LTCG), as well as Dividend (Div) or Income (Inc) Distributions; if these are reinvested for additional shares, enter the totals into the Net In + Dstrbs cell.

The display panels on this page include:

Total Net In

Total Market Value

Total Return Summary

Net In + Distributions Summary

Net Capital Gain/(Loss) Summary

A Page's Table View Grid

Editing in Table View

Navigational Toolbar

Command Buttons


Bonds

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Enter on the Regular Accounts - Bonds Page all bond mutual funds, bonds, and related areas that pertain to the Regular Accounts (i.e., non-retirement) section of the portfolio.  Please note that the Share Balance cell and the Current NAV cell are primarily designed to record mutual fund account information, but can easily maintain proper data for direct holdings of bonds themselves; simply substitute the number of bonds held into the Share Balance cell, and the current market price of the bond into the Current NAV cell.

The Net In cell must not include investment company, agency, or company-initiated items:  reinvested income or other distributions.   Enter into the Net In + Dstrbs cell all purchases and distributions, less redemptions; include all reinvested income, dividends or other distributions, as appropriate.  Mutual fund companies will often distribute Short Term Capital Gains Distributions (STCG), Long Term Capital Gains Distributions (LTCG), as well as Dividend (Div) or Income (Inc) Distributions; if these are reinvested for additional shares, enter the totals into the Net In + Dstrbs cell.

The displayed panels include:

Total Net In

Total Market Value

Total Return Summary

Net In + Distributions Summary

Net Capital Gain/(Loss) Summary

A Page's Table View Grid

Editing in Table View

Navigational Toolbar

Command Buttons


Cash

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Cash Accounts for the Regular Accounts section may be entered on this page.  Cash Accounts will include checking, savings, money market accounts/funds, CD's, Treasury bills, etc.  A description of up to fifty (50) characters for each record may be entered, along with the current value of the account.

A single display panel indicates:

Total Value, Cash Accounts

A Page's Table View Grid

Editing in Table View

Navigational Toolbar

Command Buttons


R.E. & Other

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The Regular Accounts section may have included within this page a listing of all Real Estate holdings and investments, as well as other appropriate assets or investments (works of art, jewelry, collections, etc.).  Simply enter a description of up to fifty (50) characters for each record, along with the current assumption of value.

The display panel includes:

Total Value, Real Estate & Other

A Page's Table View Grid

Editing in Table View

Navigational Toolbar

Command Buttons


Summary - Reg.

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The Regular Accounts Summary Page provides within its display panels calculated summaries of the data posted to the Regular Accounts section page tables.

The displayed panels include:

Equities Total Value

Bonds Total Value

Securities (Equities + Bonds) Total

Cash Accounts, R.E. & Other

Total Securities, Cash & R.E./Other Value


Ret. - Equities

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Enter on the Retirement Accounts - Equities Page all stock mutual funds, stock securities, and related areas that pertain to any Retirement Accounts currently held.  For stock holdings (as opposed to mutual fund shares) in an IRA or other type of retirement account vehicle, enter the current stock price into the Current NAV cell.

The Net In cell should not include investment company or company-initiated items:  reinvested income or other distributions.   Enter into the Net In + Dstrbs cell all purchases and distributions, less withdrawal redemptions; include all reinvested income, dividends or other distributions, as appropriate.  Mutual fund companies will often distribute Short Term Capital Gains Distributions (STCG), Long Term Capital Gains Distributions (LTCG), as well as Dividend (Div) or Income (Inc) Distributions; if these are reinvested for additional shares, enter the totals into the Net In + Dstrbs cell.

The displayed panels include:

Total Net In

Total Market Value

Total Return Summary

Net In + Distributions Summary

Net Capital Gain/(Loss) Summary

A Page's Table View Grid

Editing in Table View

Navigational Toolbar

Command Buttons


Ret. - Bonds

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Enter into the table on the Retirement Accounts - Bonds Page all bond mutual funds, bonds, and related areas held in the Retirement Accounts section of the portfolio.  Please note that the Share Balance cell and the Current NAV cell are primarily designed to record mutual fund account information, but can easily maintain proper data for direct holdings of bonds themselves; in such a case, simply substitute the number of bonds held into the Share Balance cell and the current market price of the bond into the Current NAV cell.

The Net In cell should not include investment company, agency, or company-initiated items:  reinvested income or other distributions.   Enter into the Net In + Dstrbs cell all purchases and distributions, less withdrawal redemptions; include all reinvested income, dividends or other distributions, as appropriate.  Mutual fund companies will often distribute Short Term Capital Gains Distributions (STCG), Long Term Capital Gains Distributions (LTCG), as well as Dividend (Div) or Income (Inc) Distributions; if these are reinvested for additional shares, enter the totals into the Net In + Dstrbs cell.

The displayed panels include:

Total Net In

Total Market Value

Total Return Summary

Net In + Distributions Summary

Net Capital Gain/(Loss) Summary

A Page's Table View Grid

Editing in Table View

Navigational Toolbar

Command Buttons


Ret. - Cash

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Cash Accounts for the Retirement Accounts section may be entered here.  Cash Accounts may include IRA or other retirement savings accounts, money market accounts/funds, CD's, etc.  A description of up to fifty (50) characters for each record may be entered, along with the current value of the account.

If the Retirement portion of the portfolio contains investments other than securities or cash accounts, they may also be placed on this page.

The display panel indicates:

Total Value, Retirement - Cash Accts

A Page's Table View Grid

Editing in Table View

Navigational Toolbar

Command Buttons


Summary - Ret.

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The Retirement Accounts Summary Page provides within its display panels calculated summaries of the data posted to the Retirement Accounts section page tables.

The displayed panels include:

Ret. - Equities Total Value

Ret. - Bonds Total Value

Ret. Securities (Equities + Bonds) Total

Ret. - Cash Accts

Total Ret. - Securities & Cash Value


Summaries / Reports

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The Portfolio Summary / Reports Page provides within its display panels calculated summaries of the data posted to all the Regular and Retirement Accounts in the portfolio.

The displayed panels include:

Total Regular Accounts Value

( x% Equit., x% Bonds, x% Cash, x% RE/Other )

Total Retirement Accounts Value

( x% Equities, x% Bonds, x% Cash )

Combined Regular & Retirement Accounts

where x represents a percent approximation of that proportional makeup in the total indicated directly above the line in which it appears.  The Grand Total figure for the portfolio is contained in the panel indicating Combined Regular & Retirement Accounts.

Also included on the Summary / Reports Page is the <Print Report> button.  The action of this facility will prepare a complete, formatted tabular report for the entire portfolio.  A print dialog window prompts for confirmation, at which time the Portfolio Pages report writer prepares and sends the report  to the currently selected printer.  Please ensure that all updates and edits of records have been posted to the appropriate tables prior to printing a report.


A Page's Table View Grid

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The table view concept presents your data in a spreadsheet-like grid showing multiple records in rows within a single page.  You may scroll right to view other columns and scroll down to view any other records (rows) not immediately in view.

You may begin by working with some of the sample data supplied with a new copy of the program:  view the layouts, make practice entries/changes, print out the report, etc.  The sample data may be deleted/overwritten after your own data is ready for entry and the program is familiar to you.  (With the unregistered version, take care not to exceed the record limit for any of the tables.)

For each record (or row) in the table view portion of a page you will enter only one type of investment or account.  Maintain your tables in any order you wish; the tables are not sorted in any manner by the program.

The cells for which data entry is required on a table page include:

Equities (or

Bonds, as appropriate)	A text description cell up to fifteen (15) characters in length describing the current security (stock, bond, mutual fund, or other investment vehicle) for a record.  Abbreviate as needed to fit.

Net In	A currency amount summary of your net purchases less your net redemptions to date for this security.  Must not include company-initiated items:  reinvested income or other distributions (to be included below in the Net In + Dstrbs column).

Share Balance	Indicate the number of full and fractional shares (to 3 decimal places) for the current security.

Current NAV	A currency figure to indicate the Net Asset Value (share price) amount at which shares are currently valued.  Even though the NAV cell is always rounded to two decimal places on screen, you may enter additional decimal places if needed in special circumstances; calculations will be based on the number you enter even though it will show a rounded representation on screen.

Net In + Dstrbs	A summary in currency amounts of all purchases and distributions less redemptions.  Differs from Net In cell as it is to include reinvested income, dividends or other distributions, if any.

On a Cash Accounts or Real Estate/Other page, all cells are edit cells and should always be filled in.  The text description cells for these pages may contain up to fifty (50) characters in length to describe the current entry for any record.

When entering a currency amount in any page table, enter only the numbers and decimal place symbol.  The currency symbol (i.e., "$" or other currency) and placeholders (",") will be entered by the program itself.

The Net In cell is to contain only the amount you have yourself placed into the described security.  It will not include those distributions from the fund company or the stock itself which are reinvested for additional full and fractional shares.  You may then take the Net In amount and add to it all such distributions reinvested into the account and place this sum into the Net In + Dstrbs cell.

After you have entered the required data items into the table and posted them with the <Post> toolbar button, you may press the <Recalculate> button to allow Portfolio Pages to update the calculated cells (i.e., those which are disallowed from data entry -- the non-edit cells) and the appropriate display panels for that page.

The calculated (or non-edit) cells include:

Market Value	Market Value in currency at the currently indicated NAV for this record.

Total Return	A currency amount reflecting the current Market Value less the Net In cell for this line item.

Avg. Cost Each 	A currency figure shown to 4 decimal places.  This is a figure used in determining your tax cost of shares/securities redeemed for tax purposes, as it is based on an average of all  purchases and distributions.  (Investors should consult a qualified tax counselor or the appropriate IRS documentation for additional information pertaining to an individual's tax situation as regards investments.)

Net C/G	The Net Capital Gain/(Loss) for the line item.  Shown as a currency amount determined by the current Market Value less the Net In+Dstrbs (your investment plus any reinvested distributions) column.

TR as %	Expresses the Total Return figure as a percent to reflect return on investment.

An Edit Cell/Non-edit Cell LED indicator is provided below the table view grid that serves as a helpful reminder as to which cells are editable.  As you move from column to column with the tab key, the indicator will reflect the intended Edit (green LED) or Non-edit (red LED) nature of a cell.  Simply tab past a non-edit cell during your data entry and allow table recalculation to automatically fill in such cells.

Editing in Table View

Rearranging Column Order and Resizing Columns

Navigational Toolbar

Command Buttons


Editing in Table View

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Enter only one investment or account per record (row).

When using the table view grid portion of a page, edits and insertions within a cell are posted only when you move to a different record (row) on the table view grid.  Even if you use the mouse to change focus to a command button on the screen, the changes are not posted until you move off the current row during an editing session within the grid itself.

You may cancel all edits for a record by pressing the <Esc> key in any field before moving to another record.

You may immediately post an edit by pressing the <Post> button on the Navigational Toolbar.  You may then select the <Recalculate> command button to recalculate the entire table.

You may begin typing in the cell on which the highlight is placed to begin edit mode. You may press the <Tab> key to move from cell to cell (or <Shift-Tab> to move in the previous direction) in the same row.  When you are finished with the edits, click on the <Post> button in the Navigational Toolbar to write the information to disk.  Pressing the <Recalculate> button will recalculate the entire table, which may take extra time on a large table or with a slower computer. You may enter many records or edits and save the recalculation as the last action in order to speed up data entry.  You must post the edits before recalculating a table.

You need not attempt to edit the following calculated cells ("non-edit cells") in a table view of equities or bonds pages:  Market Value, Total Return, Avg. Cost Each, Net C/G, and TR as %.  Any such edits will be changed anyway with the updating brought about by pressing the <Recalculate> button.

An Edit Cell/Non-edit Cell  LED indicator is provided below the table view grid that serves as a helpful reminder as to which cells are editable.  As you move from column to column with the tab key, the indicator will reflect the intended Edit (green LED) or Non-edit (red LED) nature of a cell.  Simply tab past a non-edit cell during your data entry and allow table recalculation to automatically fill in such cells.

The left edge of the table view grid contains a triangular-shaped pointer that indicates the current record having the active focus.  You may position this Record Selector on any existing or newly appended record by clicking on (or moving to) the record, and perform edits on that record.

After performing any needed edits/additions, you must <Post> the edits with the appropriate button selection on the Navigational Toolbar.   If the <Exit> button is pressed or another page tab is selected without properly posting changes or additions, the newly entered material will not be written to the table.  Selecting the <Post> button on the Navigational Toolbar will post any changes.

You may add a new, blank record to the end of the table by pressing the <Append Record> command button while the highlight is anywhere on the table view grid, or by pressing <DownArrow> while editing the current last (bottom) record.  You may then press <Ctrl-LeftArrow> to return the highlight to the leftmost cell of the new record.

A Page's Table View Grid

Rearranging Column Order and Resizing Columns

Navigational Toolbar

Command Buttons


Rearranging Column Order and Resizing Columns

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You can use the mouse to drag a column to a new location for the current session.  For example, you may wish to move the Avg Cost Each column from its default right position next to the first (leftmost) column so that you may more easily peruse the average cost figure in relation to the item description.

To move a column:  Click the mouse pointer on the heading (column title) for the column you wish to move; holding down the mouse button, drag the column to the desired position.  Multiple dragging operations may be needed to effect a long move.

You may also Resize columns to a wider or narrower width (within limitations) for a session.  To Resize a column:  As you move the mouse pointer to the column heading (column title) you will note the mouse cursor changes shape; click on the edge of the column separator and hold down the mouse button while dragging the separator to the position desired.  Release the mouse button and the column will remain in that position for the session or until it is resized again.

Column Rearrangement and Resizing last throughout the current session with Portfolio Pages and return to to their default size with the next launch of the program.

A Page's Table View Grid

Editing in Table View


Navigational Toolbar

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The long Navigational Toolbar on each page with a table view grid contains buttons representing the following actions, from left to right:

<First>	Sets the current record to the first record in the table.

<Prior>	Sets the current record to the previous record.

<Next>	Sets the current record to the next record.

<Last> 	Sets the current record to the last record in the table.

<Insert>	Inserts a new record before the current record.

<Delete>	Deletes the current record at which the record pointer in the leftmost column appears.  Prompts for confirmation before deleting.

<Post>	Writes changes in the current record to the table.

<Cancel>	Cancels edits to the current record.

Placing the mouse pointer momentarily over a toolbar button will cause a help reminder flag to appear as to the button's function.

Command Buttons


Command Buttons

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The command buttons that appear on all table pages consist of:

<Append Record>	Adds a new, blank record to the end of the data table.

<Recalculate>	Performs a math recalculation on the entire table for updating purposes.  (Multiple records may be entered/edited before recalculating.)

The buttons appearing on all pages include:

<About>	Product and system information window.

<Documentation>	Brings up the Contents page of the Portfolio Pages Help;  from the Contents page, you may click on an item to go directly to a topic, or click the >> (Next) button to browse through the topics in documentation sequence.  (Pressing <F1> while the focus is on components other than the Documentation button provides context-sensitive help.)

 <Calculator>	Launches the Windows Calculator applet.  (For the Calculator applet to be available in Portfolio Pages, you must not have deleted Calc.exe from your Windows directory.  For help in using that program, consult the Windows documentation or online help for Windows Calculator.)

 <Exit>	Closes the program.

The Summaries / Reports page contains an additional button selection:

<Print Report>	Prepares a complete, formatted tabular report for the entire portfolio.  A print dialog window prompts for confirmation, at which time the Portfolio Pages report writer sends the report  to the currently selected printer.

Placing the mouse pointer momentarily over a command button will cause a help reminder flag to appear as to the button's function.

Navigational Toolbar


Editing in General

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Traditional Windows copy and paste operations may be utilized as necessary.  In order to use the Windows Clipboard copy and paste facilities, you need only understand the simple process of text selection with the mouse.  Selection may consist of an entire cell or only parts.

The <Ctrl-C> key combination will Copy selected text to the Windows Clipboard.  <Ctrl-V> will Paste the contents of the Windows Clipboard to the location at which the insertion point is placed.  To overwrite existing text with incoming text, select the existing contents (or portions thereof) first before issuing the Paste command.  Text from a cell may be copied to other applications (such as Notepad or Write/WordPad) in like manner.

Records may be inserted or deleted anywhere within a table by using the <Insert> or <Delete> keys on the Navigational Toolbar.  Remember to recalculate the table before utilizing (or printing) contents of calculated cells after an insertion or deletion. You may add, edit, or delete multiple records in any number before recalculating; doing so will speed data entry in that the recalculation need only be performed after the final modification and posting.

From all pages, you may launch the Windows Calculator simply by pressing the <Calculator> button.  For the Calculator applet to be available in Portfolio Pages, you must not have deleted Calc.exe from your Windows directory/folder.  For help in using that program, consult the Windows documentation or online help for Calculator.


The Report Writer

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(Print Report button on Summaries / Reports page)

A complete, formatted tabular report for the entire portfolio may be created by selecting the <Print Report> button on the Summaries / Reports page.  A print dialog window prompts for confirmation, at which time the Portfolio Pages report writer prepares and sends the report  to the currently selected printer.

The column headers (titles) are abbreviated where needed on the printed report.  All records posted to the portfolio tables are included in the report.

The multiple-page report is designed for printing on 8 1/2 x 11 inch letter-size paper in portrait mode (vertical position).  It includes the date of the report on the first and succeeding pages, as well as the names of the appropriate sections and summaries.  With a portfolio consisting of a small number of records, the report printout is generally about three pages in length.  The margins are fixed at one-half inch (.5") for all margins - Left, Right, Top, Bottom.


The About screen

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Selecting the About button on any page brings up information on product name, version number, and copyright information.  It also includes system information (in the registered copy only) showing the versions of Windows and DOS, Windows mode, the presence or absence of a math co-processor, free memory, and available system resources.  To close the About screen, click on the <OK> button.


Online Documentation and Help

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Pressing the <Documentation> button on any page brings up the Contents page of the Portfolio Pages Help; from the Contents page, you may click on an item to go directly to a topic, or click the >> (Next) button on the Windows help screen to browse through the topics in documentation sequence.

Pressing <F1> while the focus is on components other than the <Documentation> button itself provides context-sensitive help.

You may also open the included PORTFOL.WRI file in Windows Write/WordPad (or any Windows word processor that can read the Write format, such as Microsoft Word) and print the documentation from that program.


Program specifications

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Portfolio Pages requires an 80386sx or greater system, Windows(R) 3.1 or Windows 95, 4mb ram, 1.4mb hard disk space.


Notes & Precautions

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Extra Records

If you have appended an unneeded record, simply select that record (with the left-edge grey Record Selector) and then press the <Delete> button on the Navigational Toolbar prior to Recalculating.

Backups

You should maintain regular backups of your account tables (*.RLL) and their related validation (*.VAL) files in order to prevent loss to your data entry effort.  It is the .RLL files that get updated when you do your calculations, so you will want to include them in any daily backups that you may perform.  You may simply use Windows 3.1 File Manager or Windows 95 Explorer to copy these files from the directory/folder in which Portfolio Pages was installed over to a formatted floppy diskette.  You may also use commercial or other backup software, including the Microsoft Backup program that comes with Windows 95.

Exiting

Make sure that you exit Portfolio Pages properly before shutting down Windows or turning off the computer.  Corrupted tables and/or data loss can occur if the program is not exited properly before shutdown by way of the <Exit> button (appearing on any page).  Ensure that all edits are posted to the tables before exiting.

Windows 3.1 Resources

Since the interface portion of Portfolio Pages is made up of an extensive and rich set of visual controls (the tabbed pages, grids, graphic buttons, etc.) that requires a substantial portion of available Windows 3.1 resources, it is possible (although unlikely) that a Windows 3.1 user could have inadequate system resources if running too many other applications at the same time.  The situation of limited resources with Windows 3.1 is independent of the amount of ram installed on the system.  In the rare event you experience problems with the launching or running of the Portfolio Pages program, restart Windows 3.1 and run fewer applications simultaneously with a Portfolio Pages session.


Licensing Information

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This program is licensed and supplied as is, without any warranty.  To the extent permitted under applicable law, RCCO Research Associates disclaims all warranties, either expressed or implied, with respect to this software program, its quality, performance, merchantability, or fitness for any particular purpose.

In particular, this software program is not guaranteed to prevent or detect damage to your data or programs.  In no event shall RCCO Research Associates be liable for any claims for lost profits or any damage, including, but not limited to, special, incidental, consequential or other damage (including, without limitation, damages for loss of business profits, business interruption, loss of business information, or other pecuniary loss) arising out of the use of or inability to use this RCCO Research Associates product, even if RCCO Research Associates has been advised of the possibility of such damages.  Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.  In no case shall RCCO Research Associates's liability exceed the license fees paid for the right to use the licensed version of the software.

The license agreement and warranty shall be construed, interpreted and governed by the laws of the state of Tennessee.

This software program is protected under the Copyright Laws of the United States of America and all applicable International Copyright Conventions.  Makers and/or users of illegal or unauthorized copies of the registered version are subject to prosecution under these laws.

Windows(R) is a registered trademark of Microsoft Corporation.  Other trade names referenced herein are either trademarks or registered trademarks of their respective companies.

The registration fee licenses one copy for use on any one computer at any one time.  Site licenses are available from RCCO Research.

The unregistered version of this program is intended for use in evaluation situations only.  It may be used for ninety (90) days by yourself and within your own organization by persons that have knowledge and understanding of the fact that this is an unregistered evaluation copy.

Please note:  This software program is distributed with the understanding that neither the Developers nor the Publisher is engaged in rendering legal or accounting services.  Questions relevant to the practice of law or accounting should be addressed to a member of those professions.  The Developers and the Publisher specifically disclaim any liability, loss, or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this work.


Registration Notes

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The unregistered copy is fully-functional as to the features and components found in the full registered copy; the unregistered copy allows the user ample flexibility to satisfactorily and fully evaluate the program.  The tables do have a limitation on the number of records that may be viewed/edited in any particular table; that limit is three (3) records per table.  Any tables edited and maintained with the unregistered copy will be fully and immediately usable with the registered version, with no practical limitation on the number of records per table.

You are granted an evaluation period of up to 90 days to determine whether or not you wish to purchase a registered copy of this software.  To purchase a registered copy, you may mail the registration fee of U.S. $19.95 + $2.55 handling ($7.05 outside of U.S.A., $4.05 for Canada) directly to RCCO Research, P.O. Box 196, Gatlinburg, TN 37738 (U.S.A.); you will receive a registered copy of the latest version on a 3.5" 1.44mb disk.  Additional users for business purposes are $12.00 each and may be licensed at the time of registration or later as they may be added at the then current license fee in effect.  Please remit with check or money order only (no currency).  For credit card and telephone orders, see Additional Ordering Options note below.

Tennessee clients please include the required 8.5% sales tax on both the product amount and shipping/handling as mandated by the state.

We require payment with order so that prices and fees may be kept as reasonable as possible; this policy has worked well for us in recent years, as we observe increased registration on products that are reasonably priced.  An invoice will be included with your order, showing the registered serial number(s) applicable to the purchase.  We can provide a pro forma invoice to those corporations or institutions that require same before payment can be issued; shipment will be made promptly upon receipt of payment.  Prices and/or registration and/or license fees are subject to change.

International clients must pay by check or money order in U.S. dollars, drawn on a U.S. bank or the U.S. branch of an international bank.  Please realize that international postal money orders are considerably delayed through the postal systems and may not be the most expedient way of relaying payment.  An often-used form of payment consists of obtaining a dollar-denominated money order from the local American Express office which you may then airmail to us along with your order.  International orders are dispatched promptly when using a credit card order as outlined below.

Please indicate program name and current version number on your order; you may use the Order.frm file provided with the program or simply send a note or letter with your name, organization name, address, program name & version, and remittance.

Additional Ordering Options:

CREDIT CARD ORDERS ONLY -

You may order a registered copy of this RCCO Research program with MasterCard, Visa, Amex, or Discover from PsL, Public (software) Library of Houston, Texas by calling 1-800-242-4775 or 713-524-6394, or by FAX to 713-524-6398, or by CompuServe E-mail to 71355,470.  PsL's office hours are 7:00am to 6:00pm CST Monday-Thursday and 7:00am to 12:30pm CST on Fridays.  You may also mail credit card orders to PsL at P.O. Box 35705, Houston, TX 77235-5705 (U.S.A).  Please include the cardholder name exactly as it appears on the credit card plus the billing address for the card.

PsL's item/product number for Portfolio Pages is #14456.

THE ABOVE NUMBERS ARE FOR ORDERS ONLY.

Any questions about the status of the shipment of the order, registration options, product details, technical support, volume discounts, dealer pricing, site licenses, etc. must be directed in writing to RCCO Research, P.O. Box 196, Gatlinburg, TN 37738.  To ensure that you get the fastest possible delivery of your registered copy, PsL will notify us the day of your order and we will promptly ship the materials directly to you.  There are no additional fees for ordering by credit card.

Your credit card number is not transmitted to RCCO Research, but rather is processed by PsL as part of their worldwide software registration service.

The above service is made available as a convenience to client individuals who wish the security and expediency of ordering by telephone and/or with a credit card.  Established business concerns may prefer to order directly from RCCO Research with the company's own business check.

The PsL staff cannot answer non-order inquiries.


Additional Information

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If you have any comments or questions regarding this program after (or with) registration, please direct them to:

                                    RCCO Research Associates

                                    P. O. Box 196

                                    Gatlinburg, TN 37738-0196

                                    (U.S.A.)

Please include your phone (day & evening) and fax (if any) numbers as well as your mailing address (and e-mail address, as applicable) on all communications.  Please indicate the serial number from your registered copy of the program as well as your CustID number.  Special e-mail addresses for use by registered users are provided along with the invoice.

To print the registration order form from Notepad (or other text editor), open the file Order.frm in the PORTFOL directory/folder.  From the File menu of Notepad, select Page Setup to set all margins minimally:  0 for Left, Right, Top, Bottom Margins.  Delete the default header and footer items.  Select OK.  Then from the File Menu, select Print to print out the order form.  (If you wish to fill in the form with your order information before printing, it may be best to open Order.frm in a word processor, such as Write/WordPad, since Notepad does not have an overwrite mode.)

(C) Copyright 1996 RCCO Research Associates.  All Rights Reserved under International Conventions.  Product of U.S.A.

RCCO Research is also the publisher of MONEY & BANKS,  Personal Banking Manager software, a leading personal financial program for DOS systems and MFTC:  Mutual Fund Tax Calculator (for Windows v3.1 or greater).

Also available from your favorite user-supported software source:

MFTC:  Mutual Fund Tax Calculator

for Windows (v3.1 or greater)

MFTC:  Mutual Fund Tax Calculator provides a facility for determining tax cost of redeemed shares (full or partial) in one or more mutual fund accounts.  The program computes dividends, capital gains distributions, redemptions, and purchases on an average-cost basis.  It is meant to provide a simple, non-technical method for those mutual fund accountholders who must file Schedule D (Capital Gains & Losses) on IRS Form 1040 to cover their fund redemptions during any tax years.

When a holder of shares in a mutual fund redeems any portion of shares in the account, the IRS requires that holder to file Schedule D and list not only the date of redemption and the redemption amount, but also the date of acquisition and the exact cost of those shares (full and fractional) redeemed.  MFTC is meant to assist the shareholder in making the determination of cost along with a record of the needed dates.  Since shares are often purchased and distributions reinvested at different times at varying Net Asset Value (NAV) figures, a system of determining average share cost basis (along with other recordkeeping) may be advantageous for the account.  MFTC may be used with any number of fund accounts and works with both equity and bond funds that are purchased in full and fractional shares.  Once the cost of the redemption(s) during the tax year(s) has been determined, it is relatively easy to ascertain the gain or loss incurred for each redemption and make the appropriate entries as required on the Schedule D tax form.

Fund tables may be viewed/edited in either Form or Table view.  An easy-to-use single-button selection for the Report Writer prints formatted tabular reports for fund tables.  Complete documentation is available online as well as in Windows Write/WordPad format.

Program specifications for MFTC:  80386sx or greater, Windows 3.1 or Windows 95, 2mb ram, 1.6mb hard disk space.

RCCO Research Associates

Technical Publishers, Established 1965