X  LThis is a data disk, not a startup disk.    RM1 NG NG P nS|`& K K .INSTRUCTIONS.Be&2*BEGIN.HERE H˶}˶ABOUT.THIS.DISKb˶7yK /ABOUT.THIS.DISKcK yK III.AWZ.04' ,B2..ANALYSISZ ,B1..ANALYSIS`[.INSTRUCTIONS.A0 ˶˶)A...TABLE .C...OTHER.SIDE44-READ.ME.ASCII<!/!*!*!*!*!*!*!*!*!*!*!***************\ !*!***G!*!* e@  ... Next Payment **]!*!* +@..!. Principa  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^r 0@C[@픕}ђ@L|OB@|$@e# .@|Total<^91U@vE@|$@:$ 0@||$@ (@|f@?Dec$@ S˙ u@(@Ŕ 9Z@L|OB@|$@:! *@||$@" ,@|Yea(@DY@ ]@|$@ &@|f@?Nov$@ ?-u@(@Z@F' P@|$@  "@|f@?Sep$@  LHu@(@խY@Bi@|$@ $@|f@?Oct$@ 9:u@(@a.Y@Cp@|$@ @|`f@?Aug$@ yUu@(@-X:cY@dFv@|$@ @| f@?Jun$@ ]+Xou@(@g)X@% P@|$@ @|@f@?Jul$@ Lbu@(@`Ɋ9X@xn@|$@ @|f@?May$@ w|u@(@^YX@ٟ@|$@ @|e@?Mar$@ nu@(@72aX@\U>3@|$@ @|e@?Apr$@ KD~?u@@(@#OW@{@|$@ @|e@?Feb$@ ]܀u@(@K{5/X@)qLd@|$@V#Date Interest PrincipalBalance@@Q!+!-!-!-!-!-!-!----------------+ @? ?|e@Jan$@ ÆWu Payment**< !\!*!*!*!*!*!*!*!*!*!*!***************/! ! 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Q@*}d.@0 @|0@?oS .@|Total&U&@.@|0@?P (@|`k@?Dec0@? sC_yr@(@`ٷa@0 @|0@?DQ *@? Vwc s@(@qCa@NOȴ?@|0@?O &@|@k@?Nov0@?  r@(@2D[vga@n QM"@|k@?Sep0@? Vs@(@&Ea@UP@|0@?N $@| k@?Oct0@s@|0@?L @|j@?Aug0@? 90s@(@`@Db@|0@?M ? CRs@(@ 1ɶ`@Œl@|0@?K @|j@?Jul0@? [RAs@(@ĩэ`@ @|j@?May0@? )V'ds@(@FM`@ê6@|0@?J @|j@?Jun0@<@|0@?H @|`j@?Apr0@? HAus@(@"yr`@ t9@|0@?I0@? >B s@(@B_.`@cL@|0@?G @|@j@?Mar0@?  9s@(@&aU\*P`@E ?|j@?Jan0@? s@(@4$ `@/I*@|0@?F @| j@?Febl+x^#ږ@Th7@|,@?oC .@|Totalݠ,?@]"@|,@?DD 0@||,@? oMs@(@T_@Th7@|,@?DA *@||,@?B ,@|Year2@?c@@|i@?Nov,@? ʪs@(@ ɖAN_@&gi#@|,@?@ (@|i@?Dec,@?@P @|4@?V @|k@?Feb4@? 4r@(@Xa@L<@|4@?W @|k@?Mar4@? .6Ir@(@ a@B@|4@?X @|k@?Apr4@#M @|8@?l @|m@?Aug8@? f]q@(@&d@ LO@|8@?m ? @hdRq@(@9Kd@R8f@|8@?k @|m@?Jul8@? m7sq@(@.4>.vd@@|m@?May8@? W`)Cq@(@ #"d@P//@|8@?j @|m@?Jun8@]@|8@?h @|`m@?Apr8@? ;a5q@(@G c@RE@|8@?i @? `q@(@Exc@>)@|8@?g @|@m@?Mar8@? Vhq@(@^0Wc@e ?|m@?Jan8@? NsWq@(@y9}c@TIB+@|8@?f @| m@?Feb8>0#@΂>@|4@?oc .@|Totalhj@@|4@?Dd 0@||4@?'OQsr@(@wӵUc@΂>@|4@?Da *@||4@?b ,@|Year4@?Nbc@|l@?Nov4@? @er@(@,g-c@/VDR@|4@?` (@|l@?Dec4@? UJx@|4@?^ $@|l@?Oct4@? ~v.+r@(@JJ?c@\oDe@|4@?_ &@? ?FRr@(@A#Vb@BS)@|4@?] "@|l@?Sep4@? u:>r@(@\2b@y@|@l@?Jul4@? V#er@(@\Z/pb@Pe1c@|4@?\ @|`l@?Aug4@@|4@?Z @| l@?Jun4@? k$߽xr@(@p kb@`r@|4@?[ ? Br@(@.Gnb@Rd#@|4@?Y @|l@?May4@? `5r@(@K Eb@"@|n@?Sep8@? nn{Hq@(@􄙥d@^ @|8@?n $@| n@?Oct8@? 2q@(@2d@a\Bt@|8@?o &@|@n@?Nov8@? `B q@(@ J"e@Q>j_ ?|p@?Jan@@? E'o@(@Og@sI@|@@? @|p@?Feb@@Ow٠@y@|<@?o .@|Total;a @-mw@|<@?D 0@||<@?ho@(@8 zg@y@|<@?D *@||<@? ,@|Year6@?w@|o@?Nov<@? #Qs- p@(@:ľAJg@-@|<@? (@|o@?Dec<@? @|<@?~ $@|o@?Oct<@? 84!p@(@r4g@ZCM{@|<@? &@? "~rPp@(@dAf@w2@|<@?} "@|o@?Sep<@? qk 9p@(@d垉f@@V@|@o@?Jul<@? { hp@(@΂i[f@~y`@|<@?| @|`o@?Aug<@'@|<@?z @| o@?Jun<@? Ycp@(@U]f@Q/+@|<@?{ ? ==8Yp@(@̏ f@9F@|<@?y @|o@?May<@? KMovp@(@o/f@ @|n@?Mar<@? w p@(@re@N% @|<@?x @|n@?Apr<@$n4@|<@?v @|n@?Feb<@? Y;p@(@2ve@ކ@|<@?w4OrH@|8@?Dt 0@||8@?u ?|n@?Jan<@? )fp@(@=ze@|8@?r ,@|Year5@?xb(;@xʞ@b؅J@|8@?os .@|Total|5Y!@@|8@?p (@|`n@?Dec8@? JUq@(@wNe@b؅J@|8@?Dq *@|? ;YQo@(@ P%g@)@|@@? @| p@?Mar@@? s5No@~(@bgh@c&@|@@? @|0p@?Apr@@? ڐ+o@}(@n/p@h@EDZ@|@@? ? fk@i(@Gk@l?ݗuy@|D@? "@|@q@?SepD@? kk@h(@k{Z k@kgA@| q@?JulD@? k@j(@0 Ĝak@ml/@|D@? @|0q@?AugD@KI@|D@? @|q@?JunD@? Gzl3l@k(@J…/)k@nQn@|D@? ? K_ l@m(@`xj@p38S@|D@? @|q@?MayD@? TGvkl@l(@ŵ%j@o @|p@?MarD@? 0l@n(@\kj@qy6 W@|D@? @|p@?AprD@s@|D@? @|p@?FebD@? ߕm@o(@gt~Kj@r2z.@|D@?l0@|@@?D 0@||@@? ?|p@?JanD@? [#Gm@p(@xj@|@@? ,@|Year7@?a@:W@x&@|@@?o .@|TotaliR@|@@? (@|p@?Dec@@? _|m@u(@]bi@xx&@|@@?D *@| BKm@w(@|3Qui@zOl@|@@? &@|p@?Nov@@? (q=Wm@v(@98Ei@y4Z@|p@?Sep@@? Kn@x(@xp@i@{@|@@? $@|p@?Oct@@?w%@|@@? @|pp@?Aug@@? MCsm@`nlV@|H@? ? -gbj@_(@c5cH5l@b 2ߩ$@|H@? @|q@?MarH@? JN!&j@^(@ '{6m@a ?|q@?JanH@? 0j@`(@APdkl@cI^@|H@? @|q@?FebH@_kv@,K!@|D@?o .@|Total@`d@|D@?D 0@||D@?~j@e(@"EJl@h,K!@|D@?D *@||D@? ,@|Year8@?U]a@@|`r@?MarL@? L~+g@N(@ Ҏp@Qw,@|L@? @|pr@?AprL@? 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(@|pt@?DecT@? %Ŗݡ|T@? $@|Pt@?OctT@? buw[@'(@.Ppt@*5wB@|T@? &@| _O]@)(@:lZt@,K&@|T@? "@|@t@?SepT@? .\@((@_G„t@+p@| t@?JulT@? j.~]@*(@Ԥn0t@-([e.@|T@? @|0t@?AugT@? 8p@|T@? @|t@?JunT@? Đ^@+(@St@.ȁp@|T@? @? 'V_@-(@3xs@0Kp@|T@? @|t@?MayT@? McdC_@,(@P,us@/h@|s@?MarT@? * D`@.(@@Ћs@1A5@|T@? @|s@?AprT@-@|T@? @|s@?FebT@? ;`@/(@L|cs@2̗+I@|T@? U @|P@?D 0@||P@? ?|s@?JanT@? "`@0(@s{;s@3|P@? ,@|Year;@?~G@삉a@\TE?@|P@?o .@|Totalk@]Ů@|X@? @|t@?AprX@? I.EW@(@iu@ vD@|X@? @|t@?MayX@? \I(W@(@~u@K/ӕ@|X@? @|t@?JunX@?|\@? $@|u@?Oct\@? X'~D@(@ ڿ=y@ Kx"@|\@? &@|Q G@ (@U&Lx@ [ C@|\@? "@|u@?Sep\@? }F@(@fx@ 1'va@|u@?Jul\@? PI@ (@Ϯ^Nx@ uζ@|\@? @|u@?Aug\@? ۹@|\@? @|u@?Jun\@?  J@ (@lQx@īzV@|\@? @? &OCN@ (@>;3w@f]@|\@? @|u@?May\@? 8vL@ (@ ^ex@rd@|`u@?Mar\@? :O@(@fw@Laܼ@|\@? @|pu@?Apr\@҂a4ѿ@|\@? @|Pu@?Feb\@? XP@(@dZmw@9,]}X@|\@? /@|X@?D 0@||X@? ?|@u@?Jan\@? D#MMQ@(@RH?R@(@R^v@8~O\@u@?SepX@? GT@(@lv@h1E@|X@? $@|u@?OctX@? G@|X@? @|t@?AugX@? J>ni$U@(@ mv@Y<@|X@? "@| !ԡrV@(@Yv@w aYF@|X@? @|t@?JulX@? SrP>U@(@h~?v@3(`eJ3u@?Nov\@? Y+B@(@XsRy@ Z1VL@|\@? (@|u@?Dec\@? 5)E6A@(@\Rty@h@@|\@?D *@||\@? ,@|Year>@?.fm@w   RM1 NG NG P nS/6?|`@?' &@|v@?Nov`@?N6?|`@?' $@|v@?Oct`@?N(@?(@?|`@?'  "@|v@?Sep`@?NH @(@?(@/“-1u{@`@?'  @|pv@?Aug`@?Nծp@(@?(@/hK<{@6ln[Zu{@|`v@?Jul`@?Nvݽ>%@(@?(@/BLX{@6jz5X@?|`@?NTב6,@(@?(@/|ʡ>z@6{-m@?|`@?'  @(@?(@/@]~3Oz@6ov @?|`@?'  @|Pv@?Jun(@/h=v^z@65+@?|`@?'  @|@v@?May`@?N7~"{1@6b܌.@?|`@?' @|0v@?Apr`@?N;-4@(@??|`@?' @| v@?Mar`@?Nqc8@(@?(@/nq(z@|`@?' @|v@?Feb`@?N+bXu;@(@?(@/_y@6" [s@?|v@?Jan`@?N%?@(@?(@/1Ky@677@? R@h@@|\@?o .@|TotalxSjM@_%M@|\@?D 0@||\@?' G!/!*!*!*!*!*!*!*!*!* **\ /***!***************\/!*!*  ** ****E!*!* +@..!. Principal  ** ****]!*!* (\_abcdefghijklmnopqrstuvwxyz{|}~?Jun@c(@(@/+@|@b/(@(@/+@|@b/@? @|4+@|@b/@? @|4?May@c @|4?Apr@c(@(@/c(@(@/+@|@b/@?/+@|@b/@? @|4?Mar@@? @|4?Feb@c(@(@?Jan@c(@(@/+@|@b/ Interest PrincipalBalance@@Q!+!-!-!-!-!-!-!----------------+@?b/?? ?|4***************/!!AReport Coord inates: E20  to N261!!V#Date $@..!. Starting Month  ** ****Y !*!* @..!. Starting Year  ** **copyright 1986 **/ !*!*  ** ****G !\!*!*!*!*!*!*!*!*!* **/ \***!(@??(@(@..!. Monthly Payment  ** **  Richard M. Rowell **/!*!*  ** ****/ !*!*  ** ****J !*!*?..!. Interest  ** **  MORTGAGE AMORTIZATION **Z!*!* >@..!. Years  ** **  ANALYSIS FORM **/!*!*  ** ****!*!*_#0;N{@@? @|4?Jul@c(@(@/+@|@b/ @? @|4?Aug@c?Aug@? 굦 z@(@8:@9`M @|@?- "@|(@?Sep@?  z@|@?+ @|$@?Jul@? mz@(@h9@sP @|@?, @|&@z@(@s9@V&@|@?* @|"@?Jun@? ,yz@(@Јu9@c@@?Apr@? ւ[z@(@$v3?9@r4/@|@?) @| @?May@? ks|@?' @|@?Mar@? 0uz@(@0O?Z 9@BW@|@?( @| n)@ $z@(@eq/8@yEՓ@|@?& @|@?Feb@? +/ z@(@yp8@.x@|@[# .@|TotaleƟ@\I/R@|@:$ 0@||@% ?|@?Jan@?;["@|@:! *@||@" ,@|Year??eƟ@\I/R@;["@?? (@|4@?Dec@c܁8'z@(@(@/p40iXq8@?Nov@c_*z@(@(@/>8@H%@|@b /(@(@(@/0R 8@c(@|@b/&@?? &@|4@|@b/?$@?? $@|4??Oct@c-z@"@|4?Sep@c(@(@/+@(@(@/+@|@b/"@? (@pwJ:@*ѓ@|@?. $@|*@?Oct@? ]T3Bz@(@t}:@f{@|@?/ &@|,@?Nov@? J#.z@(@v:@]@|@?0 (@|.@? XOy@(@^=@W@|@?F @|=@?Feb@? yevy@(@QF*>@z .@|Total!@f@|@?DD 0@||@?E ?|<@?Jan@@?DA *@||@?B ,@|Year@?6bm@>:LMu@e@|@?oC(@P`(cq=@\@|@?@ (@|;@?Dec@? Y"dy@(@v=@e@|?Oct@?  $@|9@y@(@R<@I@|@?< @|7@?Aug@? Hry@(@3<@Ћh)@5@?Jun@? zy@(@0F<@-=6@|@?; @|6@?Jul@? Xr9|@?9 @|4@?May@? y@(@`B+ <@}@|@?: @| "8ܿy@(@t;@@|@?8 @|3@?Apr@? +m)y@(@p)XL;@.@|@?7 @|2@?Mar@?||@?5 ?|0@?Jan@? Hy@(@Cz';@ 顚@|@?6 @@?K-\t@heTs@?1@|@?o3 .@|TotalȆ eu@`?g7w@|@?D4 0@?Dec@? Vy@(@Ps:@?1@|@?D1 *@||@?2 ,@|Year@|@?G @|>@?Mar@? `Qy@(@0|M[i>@}@|@?H @|?@?Apr@? "4my@(@؜>@i@@|@?I @|@@?May@?|@?] "@|H@?Sep@? .0fhl{y@(@RA@2 |@|@?^ $@| =uy@(@9 NA@Lw@|@?\ @|G@?Aug@? !>y@(@0rA@giƅ@|F@?Jun@? b#zy@(@K+A@Aϴ(6@|@?[ @|G@?Jul@?%‘@|@?Y @|F@?May@? ߍYy@(@ A@5쀍@|@?Z @? ՞y@(@p2O@@u@|@?X @|E@?Apr@? eZy@(@{T@@@|D@?Feb@? 8ky@(@Xl@@],@|@?W @|E@?Mar@0@||@?U ?|D@?Jan@? fay@(@O|@@j"T@|@?V ear@?{ )K@u yw@Ss@|@?oS .@|Total_<@0D )@|@?DT ?Dec@? Py@(@XZ@@Ss@|@?DQ *@||@?R ,@|Y|@?O &@|C@?Nov@? Ը-y@(@ 9@@G0e@|@?P (@|C@y@(@?@D(@|@?N $@|B@?Oct@? =\y@(@ @nE]c@|@?J @|@@?Jun@? mûy@(@rq(?@@G~@H@?Oct@? +/vy@(@A@Nw@|@?_ &@|I@?Nov@? n[3N=ry@(@MgA@S8s@|@?` (@|I@?Dec@? Uaohmy@(@p B@vvn@ @|@P@?Feb@? <Qi(y@(@8'.)/D@G+@|@?w @|P@?Mar@ 0@||@?u ?|P@?Jan@? x@-y@(@X%2D@Βϳ0@|@?v|Year@?e|ݧ@Vz,|@ۙ05@|@?os .@|TotalzwcS@Y@|@?DtO@?Dec@? y2y@(@`+4C@ۙ05@|@?Dq *@||@?r ,@|@?o &@|O@?Nov@? Ͱ7y@(@F ;C@I=:@|@?p (@| w`By@(@q&DbC@)\{D@|@?n $@|N@?Oct@? y@(@QwD@fp!@|@?y @|Q@?May@? 2܉y@(@_"D@'zXUE@|@?z ? @ x@w(@!:aG@zl S$@|@? $@|@U@?Oct@? \t0x@v(@8`YG@yJ @|T@?Aug@? 9| "x@x(@PϝmaYG@{[{@|@? "@|U@?Sep@2KrF@|@? @|T@?Jul@? l'x@y(@(4)G@|hFQ@|@? ?  x@{(@+F@~%KG@|@? @|@T@?Jun@? x@z(@`SkF@} @|S@?Apr@? cGx@|(@6F@ k"@|@? @|T@?May@F@=@|@? @|S@?Mar@? x@}(@W[lF@#S3@|@?@? Gx@(@Ա3F@;^@|@? @|@S@?Feb@? i֣?o .@|Totalň@-{=M@|@?D 0@||@? ?|S@?Jan|@?D *@||@? ,@|Year@?ш%̲@)9Ri@L'@|@ ;lx@(@[wE@957[@|@? (@|R@?Dec@? dZwx@(@E@L'@|@R@?Oct@? 7ӻ6x@(@`/E@M@|@? &@|R@?Nov@?ہ @|@?} "@|R@?Sep@? \)~y@(@8f4M\E@K*@|@?~ $@? 3 y@(@8E@@|@?| @|Q@?Aug@? ,+Fy@(@;0E@@|@Q@?Jun@? 3b)y@(@O&D@ @|@?{ @|Q@?Jul@>J@| @? @|Z@?May @? 7A8x@[(@j:̏K@^SC@| @? @|@Z@?Jun @? l;E1x@Z(@ť $@|@^@?Oct@? b"w@F(@PkoaO@Ij3@|@? &@|^@?Nov@O@K;_@|@? "@|^@?Sep@? Rw@G(@٣O@JE#@|@?@? D Dw@I(@ gN@L,2;Z@|@? @|]@?Aug@? 8 Rrw@H(@0b*I>? @|@]@?Jun@? s_w@J(@-+uN@MUs @|@? @|]@?Jul`d@N@O4i@|@? @|]@?May@? `Wimw@K(@$ɎN@Nekr@|@Mar@? %#Ow@M(@ N@PB:@|@? @|\@?Apr@? XJw@L(@? @|@\@?Feb@? Bw@N(@klM@QSy@|@? @|\@??D 0@|| @? ?|\@?Jan@? ow@O(@0`TZ^M@R! @|@ ,@|Year$@Y?[-"@?xh@90L@| @?o .@|Total@/{Ӱ@| @(@|[@?Dec @? Ix@T(@P6sIM@W90L@| @?D *@|| @?9@| @? &@|[@?Nov @? f x@U(@3 M@XPn@| @? ? @1x@W(@7L@ZM'@| @? $@|@[@?Oct @? ߦq+x@V(@,MLL@Y @|Z@?Aug @? AG"x@X(@`SwZL@[J};.@| @? "@|[@?Sep @K@]20Z<@| @? @|Z@?Jul @? ryQI*x@Y(@M' L@\u(&R5@| @?? P=^w@E(@LqP@H.W@|@? (@|^@?Dec@? :w@D(@(#P@GF0֧@|@?D *@||@? ,@|Year&@I?BAݗݱ@ļy)@F0֧@?Mar@? -UD w@-(@\m3%8R@07Dt3@|@? @|`a@?Apr@? Nw@,@? @| a@?Feb@? F)w@.(@HR@1 <@|@? @|@a@@?D 0@||@? ?|a@?Jan@? w(2w@/(@JDQ@2ΈSE@| ,@|Year(@9?[Ԥ@|<@6@N@|@?o .@|TotallxT@GRx@| (@|`@?Dec@? W<Q@|@? @| `@?Jun@? f%,rw@:(@? @|_@?Apr@? ēw@<(@cP@?#<@|@? @|`@?(@{]ifP@ADEXR@|@? @|_@?Mar@? ߭,w@=(@]5P@@ U*@|@?Jan@? n)w@?(@y2DP@Bw@|@? @|@_@?Feb@? *&Yڳw@>|@?o .@|Total6Ѐg"@}J@|@?D 0@||@? ?|_@(@hi ^R@/E*@|@? @|a@?May@? R> w@+(@Ȕ>R@.64!@|@? @|a@?Jun@? W w@*(@tªR@-Cs@|@? @|a@?`x7fT?U@Ew@|@? &@|c@?Nov@? WlSv@(@|4kU@ml@|@Sep@? Mpniv@(@X}U@Ce9@|@? $@|c@?Oct@? !y^v@(@? @|`c@?Aug@? Mtv@(@T@G'$Ì@|@? "@|c@?(@$#T@@|@? @|@c@?Jul@? /qv@(@U&߼T@$7@|@?May@? 'ev@(@;gT@/`ޫ@|@? @| c@?Jun@? Zȉv@@? @|b@?Apr@? v@(@8a=T@MEq@|@? @|c@(@hD[S@!,;@|@? @|b@?Mar@? ݼ0\v@(@!)T@ ~71@|?Jan@? #v@(@vDS@"wH0@|@? @|b@?Feb@? IQVv@@|@?o .@|Total+~|@>&pxm@|@?D 0@||@? ?|b@S@'91@|@?D *@||@? ,@|Year*@)?;X>@? @91@? BIv@%(@`SpS@(JB,@|@? (@|`b@?Dec@? v%-v@$(@"* ? $@| b@?Oct@? QOv@&(@$zGS@)936@|@? &@|@b@?NovR@+8K@|@? "@|b@?Sep@? >yOAv@'(@/0 S@*h29@|@Jul@? v@)(@tfR@,E@|@? @|a@?Aug@? C|v@((@? (@|c@?Dec@? 4R?IHv@(@AyU@Hb@|@?D *@||@? ,@|Year,@?a@{L?@Hb@|@?o .@|Totalݘ@u @M@| ,@|Year.@ ?Pa)}@(z @xE}z@| @?o .@|TotalXKT@ I@| @NgʻZu@(@(@/W@xE}z@| @?D *@|| @?:u@(@(@/TW@. f`@| @? (@|`e@?Dec @?(@(@/ЈtjW@ -@| @? &@|@e@?Nov @?Nu(@(@/a9W@ H@| @? $@| e@?Oct @?Nbu@(@(@/ W@ o@| @? "@|e@?Sep @?N"Ju@ (@/rAV@ :@| @? @|d@?Aug @?Noqu@ (@/ EV@ oq@| @? @|d@?Jul @?NGz޽u@ (@ (@/U|V@I/2*@| @? @|d@?Jun @?NB{v@ (@ (@/'"MV@7=]6@| @? @|d@?May @?N68v@ (@(@/Ɋ,V@K@U,A@| @? @|`d@?Apr @?N/v@ (@/)FU@K ףp=?{Gzd?zG?(@??(@(@_Țѷ@(@??(@(@_ $@(@??(@(@??(@(@ || |V @|_shoѐ@(@??(@(@_#@?(@(@_TI@(@??(@(@_ &@(@??(@(@_Y0@V $@|_5/@(@??(@(@_ [؄@(@??(@(@_ @(@?(@(@_/@(@??(@(@_S΁@(@??(@(@ || |_aҀ@(@??(@(@_Ck@(@??(@(@_< O@(@??(@_RĝQ@(@??(@(@ | | |V .@|_<c@(@??(@(@(@??(@(@_mγ@(@??(@(@_z O@(@??(@ | |V 4@|_} }@(@??(@(@_e7~@(@??(@(@_Ӡ^~@??(@(@_pNB}@(@??(@(@_}jk~@(@??(@(@ |(@(@_-@&|@(@??(@(@_0# |@(@??(@(@_EJSF}@(@(@(@_Nx}@(@??(@(@ | | |V 9@|_a p{@(@??(@_5MN{@(@??(@(@_FI5F|@(@??(@(@_4 |@(@??{Gzd? |"9--+-9-9-9-9-9-9----V >@|_2[mz@(@??(@(@_/X]{@(@??(@(@_Ro6@(@??(@(@_ P@(@??(@(@ | 9-9-9-9-9-9-9-9---- MORTGAGE AMORTIZATION WAP /// SIG PD DISK 3AWZ.04 Originally developed by Pacific Technology Systems. These templates require any Apple ][ or /// computer, any version of AppleWorks and perhaps just a small amount of common sense. The templates were b here (one spreadsheet is worth a thousand words, you know). We suggest that you use, play with, modify, experiment, and add to the spreadsheets, always saving your files on your backup disk, leaving the original spreadsheets intact. Try other move, cut .<MORTGAGE AMORTIZATION<:MORTGAGE AMORTIZATION is a 3EZ Pieces/AppleWorks Template :8disk designed to be run on any Apple // or /// computer ;9with 128K of RAM.THO=====|====|====|====|====|====|====|====|====|====|====|====|====|====|====|===>G the full spreadsheet (Analysis C), we suggest that you try this splicing procedure with Analysis B1 and Analysis B2, as it represents a tutorial on combining spreadsheets. Many features are included within the analysis spreadsheets that are not describedscreen. Since Analysis B is a spreadsheet that has been broken into two halves we have included a step-by-meticulous-step procedure for splicing two spreadsheets as part of the instructions. Even if you are using an extended RAM card, allowing you to usehree programs are included on the MORTGAGE AMORTIZATION disk as 3EZP/AppleWorks word processor files. We recommend that you print out on paper the directions for whichever spreadsheet(s) you plan to use, although the instruction files can also be read on- (in years). Analysis B A thirty year analysis of a mortgage, broken into two fifteen year halves to operate on an AppleWorks desktop of 55K. Analysis C A thirty year analysis of a mortgage as one large AppleWorks spreadsheet. Instructions for all tnd/or ... whatever. This is a two sided disk, and both sides can be copied with any SOS or PRODOS copy program. There are three programs included: Table A A table for calculating monthly mortgage payments based on loan amount, interest rate, and term MORTGAGE AMORTIZATION is a 3EZ Pieces/AppleWorks Template disk designed to be run on any Apple // or /// computer with 128K of RAM. Please feel free not only to use this disk yourself, but also to copy it, give it to friends, add it to a club library, auilt with an instructional approach during development, so expect that the templates will not only meet your data management needs, but also can be used to teach AppleWorks related activities to yourself as well as to others, particularly computer novices.& paste, or rearrange techniques to get the spreadsheets to meet your own unique needs. Personal computers are supposed to be personal, aren't they? If you always follow the procedure of first calculating (Apple-K) then rearranging, moving, deleting, etc., you can't go wrong. Well ... almost! Although this MORTGAGE AMORTIZATION disk does not contain a specific refinancing spreadsheet, refinancing data can be obtained by using the Analysis spreadsheet two times as if calculating on two different propertions for all three programs are included on the 53MORTGAGE AMORTIZATION disk as 3EZP/AppleWorks word 75processor files. We recommend that you print out on 86paper the directions for whichever spreadsheet(s) you :8plan to use, although the instructiis B75 A thirty year analysis of a mortgage, broken into 64two fifteen year halves to operate on an AppleWorks desktop of 55K.Analysis C75 A thirty year analysis of a mortgage as one large AppleWorks spreadsheet.:8Instructiplate and later wish to return to a "virgin" template.$There are three programs included: Table A75 A table for calculating monthly mortgage payments 42based on loan amount, interest rate, and term (in years).Analys9Do copy this disk immediately, as your own backup. This :8backup will be important not only in the event that the <:original is lost or damaged, mutilated or worse, but also <:in the case of normal use, when you may have entered data 97to the tem Please feel free not only to use this :8disk yourself, but also to copy it, give it to friends, <:add it to a club library, and/or ... whatever. This is a <:two sided disk, and both sides can be copied with any SOS or PRODOS copy program.;leWorks related activities to yourself as well .as to others, particularly computer novices. and perhaps just a small amount of common sense.:8The templates were built with an instructional approach <:during development, so expect that the templates will not =;only meet your data management needs, but also can be used =;to teach App MORTGAGE AMORTIZATIONWAP /// SIG PD DISK 3AWZ.045Originally developed by Pacific Technology Systems.<:These templates require any Apple ][ or /// computer, any ;9version of AppleWorksTGO=====|====|====|====|====|====|====|====|====|====|====|====|====|====|====|===4G+ ions (Apple-O) to redesign a form. charts or tables that you might be printing out on your printer. Do not hesitate, however, to change these formats so that they fit your own needs, preferences and printer requirements. Before printing from a spreadsheet, you may wish to choose print optes. Or, if adventurous, you could design your own by using portions of the existing spreadsheets. Printer information is stored along with 3EZP/AppleWorks spreadsheets. Some suggestions are given in the instructions for formats appropriate to different on files can also be read on-screen.97Since Analysis B is a spreadsheet that has been broken %#into two halves we have included a 53step-by-meticulous-step procedure for splicing two 97spreadsheets as part of the instructions. Even if you :TGO=====|====|====|====|====|====|====|====|====|====|====|====|====|====|====|===4G |`@? ,@|Year?@?B [+1c@@|`@?o .@|Total(>W@?N(@?(@/6?|`@?D *@|(@?(@/6?|`@?' (@|v@?Dec`@*******/ I@  ... Principal Total **b!*!*#0;N{@..!. MonthlyxE}z@  ... Previous Balance ***!*!* Payment**<!\!*!*!*!*!*!*!*!*!*!*!********rst Year **p !*!*(\?..!. Interest$@.@  ... Next Year **c !*!*>@..!. YearsXKT@  ... Interest Total **K!*!*/!*!*!*!*!*!*!*!*!*!*!***************\ !*!***V !*!*e@?  ... Next Payment **g !*!*+@..!. Principal@  ... Fi83++++++++++++++++++++++++++++++++++++++++++++++++++83+ +83+ The sole purpose of this "spreadsheet" is to +83+ provide a note on the main m 2 CA1NFNFP nSeWorks related activities to yourself as well .as to others, particularly computer novices.and perhaps just a small amount of common sense.:8The templates were built with an instructional approach <:during development, so expect that the templates will not =;only meet your data management needs, but also can be used =;to teach Appl MORTGAGE AMORTIZATIONWAP /// SIG PD DISK 3ZAW.045Originally developed by Pacific Technology Systems.;9These templates require any Apple ][ or // computer, any ;9version of AppleWorks E+@|`@?X 0@!+!-!-!-!-!-!--------------!-+d@@.O================================================================================ easily done by ? =touching Apple-9 and then touching the up-arrow key 9 times, > <(#), Date, Interest, Principal and Balance for each monthly ; 9payment on any amortized mortgage from sixteen to thirty  years. ; 9Forms B1 and B2 can be "spliced" together to calculate a  thirty year mortgage. other side of this disk. > <(#), Date, Interest, Principal and Balance for each monthly > payment on any amortized mortgage from one to fifteen years. > Amortization Analysis Form C on theSIS FORMS B1 & B2 **"** **"** Richard M. Rowell **"** Pacific Technology Systems **"** **"** copyright 1986 **"** **"\************* "/******************************\"** **"** INSTRUCTIONS for **"** **"** MORTGAGE AMORTIZATION **"** ANALYApple-C .... for copy to clipboard .... choose this6Apple-9 .... now the entire box is highlighted9Yes .... as an answer to the warning/question .... done! < :Clear the desktop; if you wish to save the data for years ? =1-15 choose Apple-N and rename the spreadsheet, then save it = ;to a separate disk. For consistency you should assign the ? =following volume names to any new data disks that you format < :for use with the Mortgage Analysis FSTRUCTIONS C Word Processor!A...TABLE Spreadsheet !C...ANALYSIS Spreadsheet 97Some files are redundant on both sides of the disk; if 97the name is identical the file is identical. This has 97been done to make working w(Side 1) Disk volume /III.ZAW.04!INSTRUCTIONS A Word Processor!INSTRUCTIONS B Word Processor!A...TABLE Spreadsheet !B1..ANALYSIS Spreadsheet !B2..ANALYSIS Spreadsheet $(Side 2) Disk volume /III.ZAW.04!INchange these formats so that 31they fit your own needs, preferences and printer 97requirements. Before printing from a spreadsheet, you ;9may wish to choose print options (Apple-O) to redesign a form.Here's what's on the disk:$ormation is stored along with 3EZP/AppleWorks 31spreadsheets. Some suggestions are given in the ;9instructions for formats appropriate to different charts =;or tables that you might be printing out on your printer. <:Do not hesitate, however, to eet, refinancing data can :8be obtained by using the Analysis spreadsheet two times 97as if calculating on two different properties. Or, if ;9adventurous, you could design your own by using portions of the existing spreadsheets.;9Printer inf If you always follow the procedure of first <:calculating (Apple-K) then rearranging, moving, deleting, -etc., you can't go wrong. Well ... almost!<:Although this MORTGAGE AMORTIZATION disk does not contain ;9a specific refinancing spreadshes on your backup 1disk, leaving the original spreadsheets intact.:8Try other move, cut & paste, or rearrange techniques to 75get the spreadsheets to meet your own unique needs. 97Personal computers are supposed to be personal, aren't 75they?es are included within the analysis <:spreadsheets that are not described here (one spreadsheet 97is worth a thousand words, you know). We suggest that 97you use, play with, modify, experiment, and add to the 86spreadsheets, always saving your fil8are using an extended RAM card, allowing you to use the 97full spreadsheet (Analysis C), we suggest that you try <:this splicing procedure with Analysis B1 and Analysis B2, 8as it represents a tutorial on combining spreadsheets.1/Many featurws 1-10 (the upper box); use 4 2Apple-D and ROWS to delete. Now touch Apple-K to = ;recalculate. After the calculations are completed use the ; 9arrow keys to scan through the spreadsheet. All monthly 8 6analyses will be shown, as well as year end (ng it = ;"automatically", but we have chosen this system because it ? =is almost foolproof and error free. You will be able to see ? =both boxes of data, years 1-15 and years 16-31 on the screen  at the same time. = ;Before recalculating delete roy you don't need 9 7to type MONTHLY PAYMENT and NEXT YEAR ... this will be : 8calculated if you don't enter them. This procedure for A ?transferring the data from one spreadsheet to another is quite 9 7manual -- there are AppleWorks procedures for doir (as rows (1-10). Place the ; 9cursor in cell A1 and touch Apple-C then choose FROM THE 2 CLIPBOARD. (Be patient ... this takes a while.) ? =After the box finally appears, type the all of the data from = ;the upper box into the lower box. Actuallorms: MORTGAGE. What 2 0else? Your saved files will have the pathnames  /MORTGAGE/filename. ; 9Now get the spreadsheet B2..ANALYSIS and place it on the ? =desktop. A box identical in form to the one you just placed ; 9on the clipboard will appeaith a two-sided disk easier :8and because just as nature abhors a vacuum floppy disks detest unused areas.91991 NOTE: PACIFIC TECHNOLGY SYSTEMS NO LONGER EXISTS.% Copyright 1986 ALL RIGHTS RESERVEDPACIFIC TECHNOLOGY SYSTEMSDEPT. C BOX 8OO5ROCKVILLE, MD. 2O856(3O1) 231-9O86 |Sheet |Upper Left|Lower Right|Margin|per inch |H|____________________|______|__________|___________|______|__________|H| | | | | | |H| Complete Analysis | B1 | E20 | N261ble = ;shows numbers that produce well laid out forms on standard 8.5" paper: H ____________________________________________________________________ H| For |Spread| Coordinates |Left |Characters|H| based on  calendar year) summaries. $PRINTING $-------- : 8Most often when you print out (choose Apple-P) mortgage ; 9analysis forms you will choose BLOCK; this form prints a ? =rectangular portion of the spreadsheet. The following taVILLE, MD. 2O856(3O1) 231-9O867been done to make working with a two-sided disk easier :8and because just as nature abhors a vacuum floppy disks detest unused areas.% Copyright 1986 ALL RIGHTS RESERVEDPACIFIC TECHNOLOGY SYSTEMSDEPT. C BOX 8OO5ROCK) Disk volume /MORTGAGE!INSTRUCTIONS C Word Processor!A...TABLE Spreadsheet !C...ANALYSIS Spreadsheet 97Some files are redundant on both sides of the disk; if 97the name is identical the file is identical. This has 9ere's what's on the disk:"(Side 1) Disk volume /MORTGAGE!INSTRUCTIONS A Word Processor!INSTRUCTIONS B Word Processor!A...TABLE Spreadsheet !B1..ANALYSIS Spreadsheet !B2..ANALYSIS Spreadsheet "(Side 2:Do not hesitate, however, to change these formats so that 31they fit your own needs, preferences and printer 97requirements. Before printing from a spreadsheet, you ;9may wish to choose print options (Apple-O) to redesign a form.Histing spreadsheets.64Printer information is stored along with Appleworks 31spreadsheets. Some suggestions are given in the ;9instructions for formats appropriate to different charts =;or tables that you might be printing out on your printer. LLANEOUS!------------- 5 3Columns A - C have been used for some intermediate > @n@[kK@|H@? $@|r@?OctH@? Q2qh@W(@@.n@Zj/C@|H@? &@| r@?NovL@?D 0@||L@? ?|s@?JanP@? P!:td@@(@{U0tq@Coxe@|? ,@|Year:@?dT@PBX٨@j;֪@|L@?o .@|Totalw @щn@|? (@|r@?DecL@? @d@E(@-Pq@Hj;֪@|L@?D *@||L@JA q@Jj 4@|L@? &@|r@?NovL@? 1e@F(@)/u,q@IwM@|L@SepL@? 1ېe@H(@ -np@K{ x@|L@? $@|r@?OctL@? GJe@G(@? @|r@?AugL@? bI5e@I(@r p@L/a@|L@? "@|r@?(@0ͼ~p@NU%B@|L@? @|r@?JulL@? àf@J(@>#`mp@M(Pn@|L@?MayL@? 5j+wkf@L(@К\p@OUH @|L@? @|r@?JunL@? \`f@KL@? @|pr@?AprL@? e$f@M(@rwW:p@PHG{@|L@? @|r@O(@>Ko@RwF@|L@? @|`r@?MarL@? 1YM*g@N(@bp@QaJ&dd@|?JanL@? VPW{4g@P(@ go@SAk@|L@? @|Pr@?FebL@? w˽Pmg@|H@?o .@|Total!w |@`i n@|H@?D 0@||H@? ?|@r@5\ lo@X/;@|H@?D *@||H@? ,@|Year9@?u@:㩌@/;@H@? d1h@V(@I&7+o@Y=T@|H@? (@|0r@?DecH@? +g@U(@sP@? @|s@?FebP@? @I+d@?(@`~q@B}@|P@? @| s@