The BASIC `Home and Business' programs which accompany this text were contributed to ROM magazine by Stephen C. Everett of Victoria, B.C. Since completing his bachelor's degree in Business Administration, Stephen realized that many people could benefit from some of the knowledge he gained regarding the calculation of returns on moneys invested and the costs of financing. The program, which Stephen has provided, addresses thirteen types of financial calculations, outlined in more detail below. Although the calculations of the future value of a bond purchase on savings account deposit, or of the real cost of a mortgage, are tedious when performed by hand, this program acts as a `smart business calculator' which allows you to determine the cost or value of money in a variety of common financial situations.


    Future Value of a Deposit: Determines the future value of an investment, eg. bond or savings, given the initial investment, length of investment, annual interest rate, and the number of times interest is compounded annually.
    Future Value of an Annuity: This program calculates the amount of each payment required to give an annuity with a fixed value in the future, eg. how much money to deposit each month to save $25,000 in eight years. Input consists of the amount of money desired, annual interest rate, number of payments per year, and the number of years.
    Units of Output Depreciation: Allows you to determine the depreciation per unit, based on initial cost, residual cost, and number of units.
    Straight-line Depreciation: Calculates the current value, expense, and depreciation year, given the annual depreciation rate, the initial value, and the number of years to depreciate.
    Break-Even Analysis: Calculates the number of units which must be produced to 'Break-Even', given the fixed manufacturing costs, costs of producing each unit, and the intended sales price per unit.
    Economic Order Quantity: This program is used to determine the optional number of items to order at a given time, based on the cost of ordering, annual consumption of units, and the unit carrying cost.
    Weighted Average: Calculates the weighted average of a series of values, given the values and the weights for each value.
    Payment Calculation: Determines the total amount paid for a loan, given the amount borrowed, annual interest rate, and the length of the loan in years.
    Mortgage Schedule: Lists the amount of your mortgage payment which is applied to principal and interest charges, as well as the balance owing by month for the length of the mortgage. The program requests amount borrowed, annual interest rate, length of the loan, and the year for schedule.
    Remaining Balance: Calculates the balance remaining on a mortgage, given the amount borrowed, annual interest, term of the loan, and the payment number.
    Mortgage with Second: Gives the monthly payments for first and second mortgages, given the initial purchase price, cash on hand, amount of the first mortgage, and the interest rates and terms for both mortgages.

10 DIM A(15),B(15),C(15),D(15),E(15),F
(15),G(15),H(15),I(15),J(15),K(15),L(1
5),M(15),N(15)
20 DIM O(15),P(15),Q(15),R(15),S(15),T
(15),U(15),V(15),W(15),X(15),Y(15),Z(1
5),L$(10),O$(10)
30 DIM X$(10),Q$(10),W$(10),N$(10),M$(
10),G$(10),U$(10)
90 G0SUS 10000
100 ? ""
110 REM ------------------------------
115 ? "   HOME AND BUSINESS PROGRAMS"
120 REM ------------------------------
121 ? "-------------------------------
--"
122 ?
123 ? "(1)  = EXIT FROM PROGRAM"
125 ? "(2)  = FUTURE VALUE OF A DEPOSI
T"
130 ? "(3)  = FUTURE VALUE OF AN ANNUI
TY"
135 ? "(4)  = PRESENT VALUE OF AN AMOU
NT"
140 ? "(5)  = UNITS OF OUTPUT DEPRECIA
TION"
145 ? "(6)  = DECLINING BALANCE DEPREC
IATION"
150 ? "(7)  = STRAIGHT-LINE DEPRECIATI
ON"
155 ? "(8)  = BREAK-EVEN ANALYSIS"
160 ? "(9)  = ECONOMIC ORDER QUANTITY"
165 ? "(10) = WEIGHTED AVERAGE"
170 ? "(11) = PAYMENT CALCULATION"
175 ? "(12) = MORTGAGE SCHEDULE"
180 ? "(13) = REMAINING BALANCE"
185 ? "(14) = MORTGAGE WITH SECOND"
190 ?
195 ? "DO YOU REQUIRE ANY FURTHER INFO
RMATIONON THE ABOVE PROGRAMS (Y/N)";:I
NPUT X$
200 IF X$="N" THEN 250
205 IF X$="Y" THEN 210
207 GO TO 250
210 ? "WHICH ONE":INPUT XS
220 IF X$="1" THEN 210
221 IF X$="2" THEN 15000
222 IF X$="3" THEN 16000
223 IF X$="4" THEN 17000
224 IF X$="5" THEN 18000
225 IF X$="6" THEN 19000
226 IF X$="7" THEN 20000
227 IF X$="8" THEN 21000
228 IF X$="9" THEN 22000
229 IF X$="10" THEN 23000
230 IF X$="11" THEN 24000
231 IF X$="12" THEN 25000
232 IF X$="33" THEN 26000
233 IF X$="14" THEN 27000
234 GOTO 210
250 ? "MAKE YOUR SELECTION";:INPUT X$
251 IF X$="1" THEN 6000
252 IF X$="2" THEN 300
253 IF X$="3" THEN 1000
254 IF X$="4" THEN 1200
2SS IF X$="5" THEN 500
256 IF X$="6" THEN 700
257 IF X$="7" THEN 1500
258 IF X$="8" THEN 1700
261 IF X$="9" THEN 1800
262 IF X$="10" THEN 1900
263 IF X$="11" THEN 2000
264 IF X$=:12" THEN 2100
265 IF X$="13" THEN 2600
266 ME X$="14" THEN 2900
270 GOTO 250
300 REM START
309 ? ""
310 REM ------------------------------
320 ? "     FUTURE VALUE OF A DEPOSIT"
325 REM ------------------------------
327 ?
328 ?
330 ? "INPUT DATA:"
335 ?
340 TRAP 340:? "ORIGINAL DEPOSIT:;:IN
PUT W
350 ? "INTEREST RATE:";:INPUT S
355 ? "PERIODS PER YEAR:";:INPUT B
356 ? "NUMBER OF YEARS:";:INPUT C
365 ?
366 ?
368 LET S=S/100
369 LET S=S/B
370 LET S=INT(W*(1+S)^(B*C))*100)/100
380 ? "#";S;" IS THE FUTURE AMOUNT."
385 ?
386 ?
390 ? "ANY MORE CALCULATIONS";:INPUT G
$
400 IF G$="Y" THEN 309
4X0 GO TO 100
500 REM START
510 REM ------------------------------
519 ? ""
520 ? "    UNITS OF OUTPUT METHOD (DEP
R.)"
530 REM ------------------------------
535 ?
536 ?
540 ? "INPUT DATA:"
545 ?
550 TRAP 550:? "COST OF UNIT:";:INPUT
C
555 ? "RESIDUAL VALUE:";:INPUT R
560 ? "ESTIMATED UNITS OF OUTPUT:";:IN
PUT E
570 LET T=INT(((C-R)/E(*100)/100
580 ?
585 ?
590 ? "$";T;" DEPRECIATION PER UNIT."
680 ?
605 ? "ANY MORE CALCULATIONS:";:INPUT
MS
610 IF M$="Y" THEN 519
620 GO TO 100
700 REM START
701 ? ""
710 REM ------------------------------
720 ? "     DECLINING-BALANCE METHOD"
730 REM ------------------------------
739 ?
740 ? "ENTER DATA:"
741 ?
745 ? "NAME OF ITEM:";:INPUT NS
746 TRAP 746:? "DEPRECIATION PERCENTAG
E:";:INPUT P
747 ? "BOOK VALUE:";:INPUT H
748 ? "YEARS TO DEPRECIATE:";:INPUT Y
749 ?
750 ? "ITEM:";:PRINT N$
753 ?
754 ?
755 ? " ","DEP.:","ACC.","BOOK"
756 ? "YEAR","EXPENSE","DEP.","VALUE"
757 ?
760 A=0
855 LET P=P/100
859 LET X=1
862 LET D=INT((P*N)*100)/100
863 LET A=(D+A)
865 LET B=INT((H-(H*P))*100)/100
879 PRINT X,D,A,B
880 LET X=X+1
881 LET H=H-D
885 IF X>Y THEN 898
895 GO TO 862
898 ?
899 ?
900 ? "ANY MORE CALCULATIONS";:INPUT Q
$
910 IF Q$="Y" THEN 701
920 GO TO 100
1000 REM START
1010 ? ""
1015 REM -----------------------------
1820 ? "    FUTURE VALUE OF ANNUITY"
1025 REM -----------------------------
1026 ?
1027 ?
1030 ? "INPUT DATA:"
1031 ?
1035 TRAP 1035:? "SIZE OF EACH PAYMENT
:";:INPUT T
1040 ? "INTEREST RATE:";:INPUT K
1041 ? "NUMBER OF YEARS:";:INPUT X
1045 ? "PAYMENTS PER YEAR:";:INPUT U
1046 ?
1047 ?
1048 LET K=K/100
1049 LET K=K/U
1050 LET S=INT((T*(((1+K)^(X*U))-1)/K)
*100)/100
1060 ? "THE FUTURE VALUE IS $";S
1065 ?
1066 ?
1070 ? "ANY MORE CALCULATIONS";:INPUT
L$
1080 IF L$="Y" THEN 1010
1090 GO TO 100
1200 ? ""
1210 REM -----------------------------
1215 ? " PRESENT VALUE OF FUTURE AMOU
NT"
1220 REM -----------------------------
1230 ?
1231 ?
1232 ?
1240 ? "ENTER DATA:"
1241 ?
1245 TRAP 1245:? "AMOUNT WANTED IN FUT
URE:";:INPUT Z
1250 ? "INTEREST RATE:";:INPUT V
1253 ? "PERIODS PER YEAR:";:INPUT F
1254 ? "NUMBER OF YEARS:";:INPUT X
1255 ?
1260 ?
1270 LET V=V/100
1271 LET V=V/F
1275 LET P=INT((Z*(1+V)^-(F*X))*100)/1
00
1280 ? "PRESENT VALUE IS $";P
1285 ?
1286 ?
1290 ? "ANY MORE CALCULATIONS";:INPUT
O$
1300 IF O$="Y" THEN 1205
1310 GO TO 100
1500 REM START
1505 ? ""
1510 REM ------------------------------
1515 ? "        STRAIGHT-LINE DEPRECIAT
ION"
1520 REM -----------------------------
1522 ?
1523 ?
1524 ?
1530 ? "ENTER DATA:"
1531 ?
1535 TRAP 1535:? "COST OF ITEM:";:INPU
T D
1540 ? "RESIDUAL VALUE:";:INPUT I
1550 ? "YEARS OF USEFUL LIFE:";:INPUT
J
1555 ?
1556 ?
1560 ? "YEAR","DEP($)","ACC.DEP.","VAL
UE($)"
1563 ?
1570 LET T=INT(((D-I)/J)*100)/100
1573 LET Z=T
1575 LET A=1
1580 LET L=D-Z
1585 ? A,T,Z,L
1590 )IF A=J THEN 1608
1591 LET Z=Z+T
1595 LET A=A+1
1596 GOTO 1580
1608 ?
1609 ?
1610 ? "ANY MORE CALCULATIONS";:INPUT
X$
1615 IF X$="Y" THEN 1585
1620 GO TO 100
1692 ?
1700 REM START
1705 ? ""
1710 REM ----------------------------
1715 ? "    BREAK-EVEN POINT"
1720 REM -----------------------------
1721 ?
1722 ?
1723 ?
1730 ? "ENTER DATA:"
1731 ?
1735 TRAP 1735:? "FIXED COSTS:";:INPUT
  A
1738 ? "COST PER UNIT:";:INPUT B
1741 ? "SALES PRICE:";:INPUT C
1742 ?
1743 ?
1745 LET X=C-B
1748 LET T=INT((A/X)*100)/188
1750 ? "BREAK-EVEN POINT IS ";T;" UNIT
S."
1753 ?
1755 ?
1758 ? "ANYMORE CALCULATIONS";:INPUT O
$
1760 ZF O$="Y" THEN 1705
1780 GOTO 100
1800 REM START
1801 ? ""
1805 REM -----------------------------
1810 ? "    ECONOMIC ORDER OUANTZTY"
1815 REM -----------------------------
1817 ?
1818 ?
1819 ?
1820 ? "ENTER DATA:"
1821 ?
1825 TRAP 1825:? "COST TO ORDER:";:INP
UT A
1830 ? "ANNUAL UNITS USED:";:INPUT B
1835 ? "UNIT CARRYING COST:";:INPUT C
1840 ?
1841 ?
1845 LET T=INT((SQR((2*B*A)/C))*100)/1
00
1850 ? "THE EOQ IS ";T;" UNITS."
1851 ?
1852 ?
1853 ?
1868 ? "ANY MORE CALCULATIONS";:INPUT
X$
1865 IF X$="Y" THEN 1801
1870 GO TO 100
1900 REM START
1905 ? ""
1910 REM -----------------------------
1915 ? "    WEIGHTED AVERAGE"
1920 REM -----------------------------
1922 ?
1923 ?
1924 ?
1925 ? "ENTER DATA,ALSO ENTER # OF VAL
UES:"
1926 ?
1930 TRAP 1930:? "NUMBER OF VALUES (PA
IR5):";:INPUT A
1935 ?
1936 LET S=0
1937 LET V=1
1939 ? "VALUE:";:INPUT B
1940 ? "UNITS:";:INPUT C
1941 ?
1942 ?
1951 LET F=B*C
1953 LET S=S+C
1955 LET T=T+F
1957 IF V=A THEN 1970
1960 LET V=V+1
1965 GOTO 1939
1970 LET Z=INT((T/S)*100)/188
1975 ? "WEIGHTED AVERAGE IS ";Z
1976 ?
1977 ?
1980 ? "ANY MORE CALCULATIONS";:INPUT
X$
1981 IF X$="Y" THEN 1905
1984 GO TO 180
2000 REM START
2005 ? ""
2010 REM -----------------------------
2020 ? "          PAYMENT CALCULATION"
2022 REM -----------------------------
2823 ?
2024 ?
2025 ?
2030 ? "ENTER DATA:"
2031 ?
2035 TRAP 2035:? "AMOUNT BORROWED:";;:I
NPUT A
2040 ? "ANNUAL INTEREST RATE:";:INPUT
B
2045 ? "TERM OF LOAN (YRS):";:INPUT C
2046 ?
2047 ?
2050 LET B=B/100
2055 LET I=B/12
2860 LET T=INT((A/((1-((1+I)^-(C*12)))
/I))*100)/100
2070 ? "PAYMENT IS $";T
2075 ?
2076 ?
2080 ? "ANYMORE CALCULATIONS:";:INPUT
X$
2085 IF X$="Y" THEN 2005
2090 GO TO 180
2100 REM START
2105 ? ""
2111 REM ----------------------------
2112 ? "           MORTGAGE SCHEDULE"
2113 REM ----------------------------
2121 ?
2122 2
2123 ?
2130 ? "ENTER DATA:"
2135 ?
2140 TRAP 2140:? "AMOUNT BORROWED:";:I
NPUT A
2145 ? "ANNUAL INTEREST RATE:";:INPUT
B
2150 ? "TERM OF LOAN (YRS.):";:INPUT C
2155 ? "YEAR FOR SCHEDULE:";:INPUT D
2160 ?
2165 ?
2166 LET L=1
2167 LET D=(D-1)*12
2168 LET B=B/100
2169 LET B=B/12
2170 LET MP=INT((A/((1-((1+B)^-(C*12))
)/8))*100)/100
2175 LET T=INT((MP*((1-((1+B)^-((C*12)
-D)))/B))*100)/100
2185 ? "MONTH","PRINC.","INTEREST","BA
LANCE"
2189 LET Z=INT((T*8)*100)/100
2190 LET X=MP-Z
2198 ?
2199 LET T=T-X
2200 ? D,X,Z,T
2218 LET D=D+1
2222 IF L=13 THEN 2300
2223 LET L=L+1
2230 GO TO 2189
2300 ? "ANY MORE CALCULATIONS";:INPUT
X$
2310 IF X$="Y" THEN 2105
2320 GO TO 180
2600 REM START
2605 ? ""
2610 REM -----------------------------
2615 ? "            REMAINING BALANCE"
2620 REM -----------------------------
2622 ?
2623 ?
2524 ?
2630 ? "ENTER DATA:"
2632 ?
2635 TRAP 2635:? "AMOUNT BORROWED:";:I
NPUT A
2640 ? "ANNUAL INTEREST RATE:";:INPUT
B
2645 ? "TERM OF LOAN (YRS):";:INPUT C
2650 ? "PAYMENT NUMBER:";:INPUT D
2658 ?
2660 ?
2666 ?
2670 LET I=B/100
2673 LET I=I/12
2675 LET T=INT((A/((1-((1+I)^-(C*12)))
/I))*100)/100
2680 ? "MONTHLY PAYMENT $";T
2685 LET S=INT((T*((1-((1+I)^-((12*C)-
D)))/I))*100)/100
2690 ? "BALANCE AFTER ";D;" PAYMENTS I
S $";S
2693 ?
2694 ? "ANYMORE CALCULATIONS";:INPUT x
$
2695 IF X$="Y" THEN GO TO 2685
2699 GO TO 180
2900 REM START
2905 ? ""
2910 REM -----------------------------
2915 ? " MORTGAGE PAYMENT WITH SECOND"
2920 REM -----------------------------
2921 ?
2922 ?
2923 ?
2925 ? "ENTER DATA:"
2926 ?
2930 TRAP 2930:? "PURCHASE PRICE:";:IN
PUT A
2935 ? "CASH AVAILABLE:";:INPUT B
2940 ? "FIRST MORTGAGE:";:INPUT C
2945 ? "FIRST RATE (%):";:INPUT D
2950 ? "FIRST TERM (YRS):";:INPUT E
2960 ? "SECOND RATE (%):";:INPUT G
2962 ? "SECOND TERM:";:INPUT V
2963 ?
2964 ?
2970 LET D=D/100
2971 LET I=D/12
2975 LET G=G/100
2976 LET K=G/12
2980 LET X=A-B
2985 LET P=INT((C/((1-((1+I)^-(12*E)))
/I))*100)/100
2990 ? "FIRST PAYMENT  $";P
2995 LET L=X-C
3000 LET M=INT((L/((1-((1+K)^-(V*12)))
/K))*100)/100
3005 ? "SECOND PAYMENT $";M
3007 ?
3010 LET T=P+M
3015 ? "TOTAL PAYMENTS $";T
3016 ?
3017 ?
3818 ?
3020 ? "ANYMORE CALCULATIONS";:INPUT N
$
3025 IF N$="Y" THEN 2905
3333 GO TO 100
5000 GRAPHICS 2+16
5010 PLOT 0,0:DRAWTO 19,0:DRAWTO 19,11
:DRAWTO 8,11:DRAWTO 0,0
5020 POSITION 1,1:? #6;"PRACTICAL PROG
RAMS"
5030 POSITION 5,3:? #6;"DESIGNED BY:"
5040 POSSTZON 1,6:? #6;"STEPHEN C. EVE
RETT"
5050 POSITION 3,10:? #6;"COPYRIGHT 198
4"
5060 GOTO 5060
10000 GRAPHICS 2+16
10005 COLOR 4
10010 PLOT 0,0:DRAWTO 19,0:DRAWT0 19,1
1:DRAWTO 0,11:DRAWTO 0,0
10020 POSITION 1,1:? #6;" HOME AND BUS
INESS"
10030 POSITION 6,3:? #6;"PROGRAMS."
10040 POSITION 5,5:? #6;"DESIGNED BY"
10050 POSITION 1,7:? #6;"STEPHEN C. EV
ERETT"
10060 POSITION 3,10:? #6;"COPYRIGHT 19
84."
10070 IF PEEK(53279)=6 THEN RETURN
10080 GOTO 10070
15000 ? ""
15010 ? °***** FUTURE VALUE OF A DEPOS
IT *****"
15020 ?
15021 ?
15030 $ "     THIS PROGRAM ALLOWS THE
USER TO FIND THE FUTURE AMOUNT OF A D
EPOSIT."
15040 ? "ALL THAT IS NEEDED IS THE AMO
UNT OF   THE DEPOSIT,THE ANNUAL INTERE
ST RATE,"
15050 ? "PERIODS PER YEAR, WHICH IS TH
E NUMBER OF TIMES INTEREST IS CALCULAT
ED EACH"
15055 ? "YEAR, ALSO THE NUMBER OF YEAR
S THE    INTEREST WILL BE CALCULATED F
OR."
15060 ?
15061 ?
15062 ? "*****************************
********"
15064 ?
15065 ? "PRESS THE KEY WHEN READ
Y."
15070 IF PEEK(53279)=6 THEN 300
15071 GOTO 15070
16000 ? ""
16010 ? "***** FUTURE VALUE OF AN ANNU
ITYY *****"
16012 ?
16013 ?
16020 ? "    THIS PROGRAM PERMITS THE
USER TO"
16025 ? "RESOLVE THE FUTURE VALUE OF A
SERIES"
16030 ? "OF DEPOSITS.  ALL THAT IS REQ
UIRED IS THE SIZE OF EACH PAYMENT,THE
ANNUAL"
16040 ? "INTEREST RATE, THE NUMBER OF
YEARS THEDEPOSITS WILL CONTINUE FOR, A
ND THE   NUMBER OF PAYMENTS PER YEAR."
16050 ?
16052 ?
16055 ? "*****************************
*********"
16060 ? "PRESS THE KEY WHEN READ
Y."
16070 IF PEEK(53279)=6 THEN 1000
16080 GOTO 16070
17000 ? ""
17010 ? "***** PRESENT VALUE OF AN AMO
UNT *****"
17020 ?
17021 ?
17025 ? "     THIS PROGRAM ALLOWS THE
USER TO DETERMINE HOW MUCH MONEY IS N
EEDED"
17030 ? "PRESENTLY TO HAVE A CERTAIN S
UM IN THEFUTURE. ALL THAT IS NEEDED IS
THE"
17040 ? "AMOUNT NEEDED IN THE FUTURE,
THE      ANNUAL INTEREST RATE, PERIODS
/YEAR,"
17050 ? "WHICH IS THE NUMBER OF TIMES
THE      INTEREST IS CALCULATED EACH Y
EAR, AND"
17060 ? "THE NUMBER OF YEARS UNTIL THE
SUM OF   MONEY I5 REQUIRED."
17070 ?
17075 ?
17080 ? "*****************************
*********"
17085 ?
17090 ? "PRESS THE KEY WHEN READ
Y."
17095 IF PEEK(53279)=6 THEN 1200
17099 GOTO 17095
18800 ? ""
18010 ? "**** UNITS OF OUTPUT DEPRECIA
TION ****"
18013 ?
i8O15 ?
18828 ? "    FOR CERTAIN TYPES OF ASSE
TS IT IS MUCH EASIER TO MEASURE DEPREC
IATION"
18030 ? "IN UNITS RATHER THAN TIME.  T
HEREFORE,THIS METHOD OF DEPRECIATION I
S USED."
18040 ? "ALL THAT IS REQUIRED IS THE C
OST OF   THE ITEM, THE RESIDUAL OR SAL
VAGE"
18050 ? "VALUE, AND THE ESTIMATED UNIT
S OF     OUTPUT."
18055 ?
18057 ?
18060 ? "*****************************
*********"
18065 ?
18070 ? "PRESS THE KEY WHEN READ
Y."
18075 IF PEEK(53279)=6 THEN 500
18080 GOTO 18075
19000 ? ""
19010 ? "*** DECLINING BALANCE DEPRECI
ATION ***"
19014 ?
19016 ?
19020 ? "    THIS METHOD OF RAPID WRIT
E-OFF OF DEPRECIABLE ASSETS CONSISTS I
N THE"
19030 ? "DOUBLING OF THE NORMAL RATE.
  WHAT IS REQUIRED IS THE NAME, OPTIONA
L,"
19040 ? "PERCENTAGE BY WHICH YOU WISH
TO       DEPRECIATE BY, THE BOOK VALUE
,NET     AMOUNT AT WHICH THE ASSET IS"
19050 ? "SHOWN IN THE ACCOUNTING RECOR
DS, AND  THE NUMBER OF YEARS YOU WISH
TO       DEPRECIATE IT."
19060 ?
19065 ?
19070 ? "*****************************
*********"
19080 ?
19085 ? "PRESS THE KEY WHEN READ
Y."
19890 IF PEEK(53279)=6 THEN 700
19095 GOTO 19090
20000 ? ""
20010 ? "**** STRAIGHT-LINE DEPRECIATI
ON ****"
20015 ?
20016 ?
20020 ? "    THIS IS THE SIMPLEST AND
MOST     WIDELY USED METHOD OF DEPRECI
ATION."
20030 ? "ALL THAT IS NEEDED IS THE COS
T OF THE ITEM, THE RESIDUAL OR SALVAGE
VALUE,"
20040 ? "AND THE NUMBER OF YEARS YOU W
ANT TO   DEPRECIATE IT BY."
20050 ?
20055 ?
20058 ? "*****************************
*******"
20060 ?
20070 ? "PRESS THE KEY WHEN READ
Y."
20080 IF PEEK(53279)=6 THEN 1500
20085 GOTO 20080
21000 ? ""
21001 ? "******** BREAK-EVEN ANALYSIS
********"
21010 ?
21011 ?
21020 ? "   THIS IS THE STUDY OF PROFI
T-VOLUME RELATIONSHIPS.  IT IS THE POI
NT AT"
21030 ? "WHICH LOSSES TURN INTO PROFIT
S. IT IS A VERY USEFUL TOOL FOR A MANA
GER TO"
21040 ? "CONTROL.  WHAT IS REQUIRED IS
  THE     FIXED COSTS, ie. RENT etc., T
HE COST"
21050 ? "OF EACH UNIT TO THE COMPANY,
AND THE  SALES PRICE."
21060 ?
21065 ?
21070 ? "*****************************
********"
21075 ?
21080 ? "PRESS THE KEY WHEN READ
Y."
21085 IF PEEK(53279)=6 THEN 1780
21090 GOTO 21085
22000 ? ""
22010 ? "****** ECONOMIC ORDER QUANTIT
Y ******"
22011 ?
22012 ?
22022 ? "     THIS PROGRAM ALLOWS THE
USER TO  ESTABLISH THE MOST EFFICIENT
QUANTITY"
22030 ? "TO ORDER.  ALL THAT IS NEEDED
IS THE   COST TO ORDER,ie. SERVICE CHA
RGE,"
22040 ? "THE ANNUAL UNITS THAT ARE USE
D BY THE COMPANY, AND THE COST/UNIT TO
  STORE."
22050 ?
22055 ?
22060 ? "*****************************
********"
22065 ?
22070 ? "PRESS THE KEY WHEN READ
Y."
22075 IF PEEK(53279)=6 THEN 1800
22080 GOTO 22075
23000 ? ""
23010 ? "********* WEIGHTED AVERAGE **
*******"
23020 ?
23022 ?
23030 ? "    THIS IS A VERY BASIC PROD
RAM WHICHGIVES THE WEIGHTED AVERAGE.
IT ASKS"
23040 ? "FOR NUMBER OF VALUES,ie.10 @
$50.00,  AND 5 @ $10.00, THOSE ARE TWO
PAIRS."
23045 ? "IT THEN ASKS FOR THE VALUE WH
ICH IS   THE $50.00,AND THE $10.00, TH
EN IT"
23050 ? "ASKS FOR THE UNITS WHICH IS T
HE 10 ANDTHE 5."
23055 ?
23056 ?
23060 ? ******************************
*******"
23065 ?
23070 ? "PRESS THE KEY WHEN READ
Y."
23075 IF PEEK(C53279)=6 THEN 1900
23080 GOTO 23075
24000 ? ""
24010 ? "******* PAYMENT CALCULATION *
******"
24020 ?
24022 ?
24030 ? "    THIS PROGRAM FIGURES OUT
YOUR     MONTHLY PAYMENT ON A LOAN. A
LL THAT"
24040 ? "IS NEEDED IS AMOUNT BORROWED,
  THE     ANNUAL INTEREST RATE AND THE
TERM IN"
24050 ? " "YEARS."
24060 ?
24065 ?
24070 ? "****************************
******"
24075 ?
24080 ? "PREASS THE KEY WHEN REA
DY."
24085 IF PEEK(53279)=6 THEN 2000
24090 GOTO 24085
25000 ? ""
25010 ? "******** MORTGAGE SCHEDULE **
******"
25012 ?
25015 ?
25020 ? "     THIS PROGRAM GIVES YOU A
N        AMORTIZATION SCHEDULE FOR ANY
  YEAR"
25030 ? "OF THE TERM OF THE MORTGAGE.
  ALL     THAT IS NEEDED IS THE AMOUNT
OF THE"
25040 ? "MORTGAGE, THE ANNUAL INTEREST
  RATE,   THE TERM OF THE LOAN, AND THE
  YEAR"
25050 ? "IN WHICH YOU WANT THE SCHEDUL
E FOR."
25055 ?
25056 ?
25060 ? ******************************
******"
25065 ?
25070 ? "PRESS THE KEY WHEN READ
Y."
25075 IF PEEK (53279)=6 THEN 2100
25080 GOTO 25075
26000 ? ""
26010 ? "******** REMAINING BALANCE **
******"
26020 ?
26022 ?
26030 ? "    THIS PROGRAM FIGURES OUT
HOW MUCH MONEY IS LEFT TO PAY ON YOUR
LOAN OR"
26040 ? "MORTGAGE.  ALL THAT IS NEEDED
  IS THE  AMOUNT BORROWED,ANNUAL INTERE
ST RATE,"
26050 ? "THE TERM OF THE LOAN IN YEARS
, AND    THE PAYMENT NUMBER, WHICH IS
ALL THE"
26060 ? "PAYMENTS THAT HAVE BEEN PAID
ADDED"
26061 ? "TOGETHER."
26064 ?
26866 ?
26070 ? "*****************************
*******"
26075 ?
26080 ? "PRESS THE KEY WHEN READ
Y."
26085 IF PEEK(53279)=6 THEN 2600
26090 GOTO 26085
27000 ? ""
27010 ? "*** MORTGAGE PAYMENT WITH SEC
OND ***"
27011 ?
27015 ?
27020 ? "    THIS PROGRAM FIGURES OUT
YOUR     MORTGAGE PAYMENTS WITH A SECO
ND"
27025 ? "MORTGAGE.  YOU NEED THE FOLLO
WING     INFORMATION, PURCHASE PRICE,
CASH"
27030 ? "AVAILABLE, WHICH IS THE AMOUN
T OF     CASH YOU HAVE AVAILABLE TO PU
T IN"
27040 ? "THE HOUSE.  THE AMOUNT OF THE
  FIRST   MORTGAGE, THE FIRST AND SECON
D RATE"
27045 ? "OF INTEREST, AND THE FIRST AN
D SECOND TERM."
27050 ?
27052 ?
27053 ?
27054 ? "*****************************
*******"
27055 ?
27060 ? "PRESS THE KEY WHEN READ
Y."
27065 IF PEEK(53279)=6 THEN 2900
27070 GOTO 27065