#!/bin/sh

if [ $# -ne 1 ]
then
	echo "Usage: $0 <help number>"
	exit 1
fi

if [ $1 -eq 1 ]
then
	cat <<EOF
Guiding Principle: Rom. 13:8 -- Owe no man any thing, but to love
one another ...

Email: qjpe@aol.com

Version: 1.0

Copyright (C) 1997 John Paul Eldreth

Refer to the COPYING file distributed with this release for the full
liscensing agreement. For brevity's sake, however, this software is
distributed under the GNU GENERAL PUBLIC LICENSE Version 2.

EOF

else
	cat <<EOF
The basic premise of computing an amortization schedule herein is to
specify loan parameters [including any pre-payments made] and press
the Compute button. An amortization schedule will be displayed containing
things like date of a payment, payment amount, how much of the payment
will go to principal, how much to interest, cumulated interest and
principal amounts, and remaining principal balance. More than one
amortization can be computing at a time; just fill out the form, press
Compute, change the form, press Compute again, etc. This allows
comparison of multiple pre-payment/loan scenarios side-by-side. As of
this release, a print button is not provided. It should be possible to
copy contents to an editor which can print ... I know it's a pain
however, :-(. If you have useful comments/suggestions, feel free to
email me at the address listed in the Help About box.

Following is a description of the File menu actions:

- New -- clears the form fields.

- Open -- allows the selection of a set of previously saved form field
values. These values are contained the .tkloan directory created
in your home directory.

- Save -- allows the current set of form field values to be saved for later
recall. The values are placed in a file whose name you supply. The file
is stored in the .tkloan directory which is automatically created
in your home directory on application startup.

- Exit -- terminates the tkloan application.

The form fields (i.e. loan parameters) are described next:

1) Base Parameters

- Principal -- loan amount (e.g. 140000).

- Interest -- loan interest (e.g. 7.375).

- # Years -- number of years the loan will be outstanding (e.g. 30).

- Start Date -- date [month-year] the first payment is due (e.g. 03/95).

2) Early Payments (not required to be filled out)

- Monthly Amount -- if you are having an extra amount applied to principal
on a monthly basis until the end of the loan and that amount is always
the same, enter that amount here (e.g. 250.75).

- Monthly Start Date -- enter the month-year you started applying the
monthly pre-payment. Note this is the month your pre-payment actually
started being deducted from the principal before the interest calculation
for that month (e.g. 06/96).

- Yearly Amount -- if you are having an extra amount applied to principal
on a yearly basis until the end of the loan and that amount is always
the same, enter that amount here (e.g. 1250.75).

- Yearly Start Date -- enter the month-year you started applying the
yearly pre-payment. Note this is the month your pre-payment actually
started being deducted from the principal before the interest calculation
for that month (e.g. 06/96). Also note the pre-payment will then be
applied on that month from then on.

3) Extra Payments (not required to be filled out)
This is where you can add ad hoc pre-payments to be applied to the loan
balance (i.e. principal). The Add button is used to add a pre-payment.
Note you enter the month-year (e.g. 11/97) the pre-payment will actually
be applied to the balance (i.e. the month-year your pre-payment will
actually be deducted from the principal before the interest calculation
is performed). The Del button allows you to remove a pre-payment from
the list of pre-payments. The Upd button allows you to change the date
or amount of a previously specified pre-payment.

4) Line Consolidation (not required to be filled out)

- Start Date -- the month-year you want amortization schedule lines start to
be consolidated (e.g. 01/98). Up until that date is encountered, the
amortization schedule will contain the normal monthly lines.

- # Months in a Line -- this is where you specify how many months you wanted
aggregated into a single amortization line. This is where you can see
for the life of the loan, for example, how much interest you have [or
will pay] each year for the life of the loan. Or see, yearly, how fast
the principal will drop given a certain pre-payment strategy (e.g. 12).

EOF
fi

exit 0
