PART 3 - OTHER FUNCTIONS AND OPTIONAL ADD-ON MODULES.
------------------------------------------------------

STANDING ORDERS  
---------------
(Also known as Future Transactions or Scheduled Transactions )
(Configurable through the 'Terminology' option in 'Set Preferences')

1.	Select the Standing Orders screen using the MENU key, successive 
presses of the diamond key or <Shift-PSION-O>. (If you have the title
selected to 'Future Transactions' the key will be <Shift-PSION-F> and
if it is set to 'Scheduled Transactions' it will be <Shift-PSION-D>) 

2.	Now use <PSION-E>  or <ENTER> to enter a 
Standing Order.  The date field is the first date when the 
order should be actioned.  Leave it on today's date for the 
demonstration.  You should use 'None' in the FROM or TO 
fields if you are paying or receiving to/from an external 
agency (use <TAB> or cursor keys to select other 
accounts), fill in a description and an amount. Use today's 
date for the demo, 'Current' in the FROM field, 'VISA' in 
the TO field. Specify how regularly you want the order 
actioned.  Unlike other programs, the program can accept, 
for example,  3-weekly Standing Orders, and the 'last day of 
the month'. Note that there has been some confusion over 
the Interval field.  It is simply how often you wish the entry 
to be actioned.  If you want it every 4 weeks then select 
'Weekly' and '4', if you want it quarterly then select 'Month' 
and '3'.  For the tutorial, use 2 weeks (i.e. Weekly and 2) 
as the period.  At this stage leave the 'Advanced Functions' 
set to 'No', these functions are discussed in part 4. 

3.	These Standing Orders will be automatically credited 
to/debited from the appropriate accounts when the initial 
date arrives, and the date reset to the next occurrence.

4.	As usual, you can Update (<PSION-U> or <TAB>) 
or delete (<PSION-D> or <DEL>) entries as required, and 
note the period and number of times are displayed if you 
turn the Status Window off.  

5.	To prove it works, press <Esc> to go back to the 
main screen.  You should see the Standing Order being 
processed, and when complete, the Accounts should have 
been updated.  Go into the Orders screen, and you should 
see the Order date has moved on the appropriate period.

6.	There is also an option to use the Standing Order 
screen to allocate an estimated interest figure automatically.  
Simply use <PSION-I> to specify the first date, which 
account should be actioned, and how often.  In this case, 
because the Interest rate for that account has not been 
specified it will ask you for the Credit and Debit % values 
(for example, my credit card gives me 18% if I run a debit 
and 2% if I am in credit - There has to be a lesson there 
somewhere !!).  The amount to be credited/debited is 
calculated using this figure, and the final balance on the 
account.

7.	Although the Standing Orders are basically sorted by 
date, there is an option to sort those Standing Orders that 
share the same date.  This is for people like me who have all 
their Standing Orders actioned on the 1st of the month 
although they actually occur throughout the month.  Finally, 
there is an option to have a 'Total' window displayed using 
<PSION-T> if you feel it is useful.

8.	In V1.6, I also included an  'Action Now'  option in 
case you want to manually action a transaction at an earlier 
date.

CURRENCIES
----------

1.	The program provides full support for all currencies.  
It caters for what I believe is the most difficult case, of 
someone living in Country A, running some accounts in 
Country B, and occasionally visiting Country C.  (in other 
words, me !!)  It does this by using 3 currency settings:

	a.	The Base Currency is the main currency for 
	the program, and will normally be your country of 
	residence. If you haven't already done it, make sure 
	this is selected from the 'Set Preferences' and 
	'Currency' menu in the Accounts screen.

	b.	The Group Currency is the country where 
	the bank accounts/investments contained in that 
	specific Group are held.

	c.	The Secondary Currency is the country that 
	you are temporarily visiting.

2.	To reduce any possible rounding errors caused by 
currency switching, the Shares (Stocks), Budget, Fuel, 
Home Inventory, Utility and Financial Planning files are held 
on disc in the Base currency, and the Account files are held 
in the appropriate Group Currency.  The Expenses files are 
allocated their own currency.  Although you would normally 
set these currencies at the start, and not change them, the 
program will actually allow you to change them and 
recalculate the values.

3.	To show the capability, select the Currency  screen 
(<Shift-PSION-C>).  If you want, enter a few more 
currencies (<PSION-E>) (France for example), specifying 
the Country,  Symbol (i.e. FF) and the exchange Rate 
relative to the Base Currency.  Note the usual update and 
delete options are available, as well an 'Update All' option if, 
like me, you do them all at once from the evening paper.  
Ignore the 'Allowances' field, it is described later.

4.	You will see there is a 'B' against your  currency, 
which shows the Base Currency in use, and a 'G' against the 
Group Currency.  There should also be a '*' against the  
currency you selected as the secondary currency.  The 
purpose of the secondary currency is to allow you to enter 
transactions in a different currency to the Base Currency if 
you are temporarily there on holiday or business.  The next 
few steps  should demonstrate this.

5.	Select a secondary currency different to the Group 
Currency.  (Either via the MENU, <PSION-S>, or selecting 
it and pressing '*' or <ENTER>.  Press <ESC> again, then 
<ENTER> to go into the Transactions screen for the 
Current Account.  (From V1.6, you can have this selected 
automatically from the  'World'  setting for Home City.  Use  
'Set Preferences'  to set it.  My thanks to Roger Burton for 
the code segment to do this.)

6.	Now select the Foreign Currency option <PSION-
F>.  This will now remain in force for this Account, until 
reversed, even if you exit the program (Note that it only 
affects this Account, not the whole Group, if you want the 
whole Group to be affected, use the <PSION-C> option 
from the main screen.).  Now enter a new transaction 
(<ENTER>).  The difference is that the Reference field is 
now replaced by a Currency field.  This defaults to your 
secondary currency, but can actually be set to any currency 
you like.  When you enter the transaction, using the local 
currency value, you will find that the amount has 
automatically converted to the Group Currency.  (If you 
press CTRL-MENU, you will see that the original value has 
been  stored in the Reference field.)  Once you are happy, 
deselect the Foreign Currency option <PSION-F> before 
you quit.

7.	Back in the Currency screen, there are 'Set 
Preferences' options to set the number of  decimal places, 
inverting the method of displaying/entering/updating 
exchange rates and, for those like me who have fixed 
overseas allowances, an optional allowances column to 
enter daily allowances.  (This is for info only and is not used 
in any calculations.  Use the Update option to set the figure)  
There is also a repeat of the 'Currency' setup dialog from the 
main screen.

8.	Finally, there is a conversion option (<PSION-C>), 
which is quite straightforward, and can actually be accessed 
from any screen by pressing <CTRL-C>.  The default 'From' 
and 'To' currencies are configurable through the Set 
Preferences menu.

9.	It is probably worth pointing out at this stage that a 
number of people have asked for a method by which the 
values could be changed retrospectively if an exchange rate 
changes.  This is not possible at the moment, because of the 
memory shortage, so all that happens is that the entry is 
converted at the time of entry and a record kept in the 
Reference field in case you wish to change it manually later.  
I also have to say from a personal viewpoint that I believe 
the practicality of doing this retrospective change is 
questionable.  In my experience my Visa company uses a 
different rate every day, so when I am reconciling my entries 
at the end of each month, I cannot predict what rate has 
been used.  I accept this argument does not apply to 
Expense Accounts, where companies may suddenly change 
rates and a whole trip could be updated, and that facility 
may appear in  a later version.

BUDGET
------
(Needs BANKSBUD.OVL to be loaded)

1.	This optional module allows you to keep track of 
how much you are spending for various categories (Oil, 
Gas, Holiday, Car etc)
 
2.	Select the Budget screen using the MENU, the 
diamond key or  <Shift-PSION-B>.  

3.	Now use <PSION-E> (or <Enter>) to enter a 
category.  Use Electricity as an example, and any numbers 
you fancy for the Estimate and start date, as these are purely 
for information. Press <ENTER> to put it in, and add a 
couple more, such as 'Car' and 'Phone' for interest.  Then 
note that, as usual, you can Update (<PSION-U>) or Delete 
(<PSION-D>) or Move (<PSION-M>) the entries later.  
There is also an alphabetical sort if that is how you would 
like them displayed.  When you try updating, <PSION-U> 
(or <TAB>), you will see I have programmed it to allow a 
change to the Spend/Income, (Credit/Debit) or to input an 
absolute value, whichever is most convenient. 

4.	Now press <ESC>, select 'Current Account' and 
press <ENTER>.  Enter a transaction, pretending you are 
paying an Electricity bill (<PSION-E>).  Fill in the usual 
details , then move to the 'Update Budget Category' field 
and select 'Yes'.  (If this field is not present, then either 
deselect the 'foreign currency' option, or select the 
'Advanced Functions' field to 'Yes' and access it on the 
second screen.  See Part 4 for instructions on configuring 
the dialog).  Use the <TAB> key or the cursor keys (or press 
'E') to select 'Electricity' (Ignore the 'Split Categories' 
option, that is covered later) then <ENTER> the 
transaction.  Note that there is also a 'New' option so you 
can enter a new category directly from this dialog.

5.	Now go back into the Budget screen (<Shift-
PSION-B>), and you should see that the Electricity entry 
shows an appropriate increase in current spend.  (Negative 
to show that it is a spend).  If you have the Status Window 
removed, you will also see the spend expressed as a 
percentage, to enable you to see how you are doing.

6.	Note that if you prefer, you can reverse the logic of 
the display (using <PSION-T>) and have amount remaining, 
rather than amount spent, displayed and, of course, you can 
use it for Income as well as spend.  (After much discussion I 
have standardised on +ve for Income and -ve for Spend)

7.	Note that this module is common across all Groups, 
unlike the Standing Orders, which are specific to a Group.  
Any subsequent updates to account transactions, or deleting 
entries, will amend the Budget reading accordingly (unless 
the 'Split Categories option was used, in which case I didn't 
have enough memory to keep a record of it for later 
updating) .  Also, it can be used retrospectively to include 
existing entries, if the Budget Field is amended during an 
update from 'NONE' to the Budget item.  Please note that 
the date is used only for information.  The program also 
does not keep a record of where the 'Spend' came from, so 
don't expect a change in date to affect the total figure.  It is 
purely to act as a guideline if, like me, you run your budget 
on an annual cycle.
 
8.	Once the checking cycle is complete (I use it 
annually), you can quickly reset the 'Budget' column to the 
previous spend using <PSION-R> for each entry, or 
<PSION-L> for all of them.

FINANCIAL PLANNER
-----------------
(Needs BANKSPLN.OVL loaded)

1.	This is an extension to the existing Budget module, 
and allows for accurate future budgeting.  It basically works 
on 3 different levels:

Level 1. 	To start up the module, use the 
Menu, diamond key or <PSION-SHIFT-N>.  Now 
use <PSION-E> to enter a couple of agencies who 
send you bills, such as Electricity and Phone (The 
usual Update, Delete and Move options are available 
as always).   You can now move the vertical 
highlight to the required agency, and the horizontal 
highlight to the required month, and use <PSION-
C> to enter the estimated bill.  (Note that this 
defaults to a single month, but you can actually put 
in multiple payments.) The bottom line will show the 
total for each month.  Note that, although it starts 
up with January as the first month, you can use the 
horizontal cursor to make any month the first to be 
displayed.  All the settings you have will be 
remembered between sessions.  Once a payment has 
been made, you can use <PSION-R> (or the Space-
Bar) to show a cost in Bold as a reminder.  The 
default is for a 12-month display, which is usable for 
costs up to 999.  If you need more than 3 figures, or 
some decimal places, there is an option to reduce the 
number of months on display to prevent overlap.

Level 2.	If, like me, you run a separate 
account to pay the bills, you can use the planner to 
decide how much to transfer into the account each 
month.  Press <PSION-W> to switch the bottom 
line to 'Transfer' and use <PSION-T> to put an 
initial estimate in for the amount.  Note that you can 
put the amount in for individual months, to the end 
of the screen (if you have less than 12 months in the 
display it will fill up the remaining months as though 
they are displayed), or for all months.  Now press 
<PSION-W> again, and the line will show the 
Balance for each month.  You can now increase or 
decrease the transfer accordingly, depending on how 
much in debt (or minimum credit) you are willing to 
go.  There is also an option to adjust the initial 
balance in case you are not starting from zero.

Level 3.	This is the fully automatic mode that 
I operate.  Use <PSION-A> to enter the mode once 
you have completed all the entries.  From now on, 
the present month will always appear in the second 
column, leaving the previous month in case there is 
an outstanding payment.  All future payments will be 
de-reconciled, and the bottom window will show the 
predicted balance based on the previous months 
total.  This total is shown in bold, and can be 
changed if required.  Once the next month arrives, 
everything will move one column to the left, so you 
continually have a prediction for 11-months ahead.

2.	Because it is difficult to satisfy everyone's 
requirements, the display is configurable through 'Set 
Preferences' so that you can design your own display.  See 
Part 4 for more details.

3.	There is also a 'Mark Entry' option if you wish a 
specific monthly payment to be always highlighted for any 
reason.

SHARES (STOCKS)    
---------------
(Needs BANKSSHA.OVL loaded)

1.	If you have a small shares (stocks) portfolio, you 
can use this optional module to keep track of their value, 
and their history.

2.	Select the Shares screen (<Shift-PSION-S> or the 
MENU or  the Diamond key).

3.	Enter a couple of example shares. (<PSION-E> or 
<Enter>).  Note that the currency in use is shown on the top 
line, if you wish to change it, then go into the Module from 
a Group which has the correct Base currency.  If you just 
want to enter or update in a different currency, just select 
the 'Foreign Currency' option.

4.	The usual update, delete and move options are 
available, as well as a Sort option, plus an  'Update All' 
option (<PSION-L>).  I use this once a week to update 
every share at once.  Try this, and then say 'Yes' to  the 
'Update History' question (Later, if you decide you will 
always Update the History, you can configure the program 
to remove this dialog).  Now select a share and press  
<PSION-V> and you will see the history display.  Once you 
start updating regularly, the values will be tabulated on the 
left, and a graph of performance will be drawn on the right.   
(While you are in this screen, you can set the X-Scale 
Factor (<PSION-A>) to  the number of pixels/day; and the 
Y-Scale factor (<PSION-Y>) to the max/min values of the 
scale or, probably the best way, you can set both axes to 
automatic scaling.  In this mode, you can also change the 
start date, if the history file starts to get a bit long and 
Enter/Update/Delete entries if so required, and configure 
the Gain/Loss figure to various options.

5.	This option to update the history file is also available 
if you update individual shares and, if you make a mistake, 
you can delete entries.  If you use this module to track Unit 
Trusts, you can specify non-integer share numbers via the 
Config menu, and also, as shares are often quoted to 3 
decimal places, I have allowed you to overwrite the Global 
decimal places setting for the share price, again through the 
Config Menu.  Finally you can switch Shares using the hot-
key or the right/left arrows.

6.	<ESC> gets you back to the Shares screen, where 
you can see there is also an option to view the History of 
your Total Portfolio value, which has similar Menu options 
to those already described for ordinary histories.  I suggest  
you now delete the history file <PSION-K>, as this was 
only a  demo.

7,	Finally, I personally have the Shares included as a 
separate Account inside my Savings Group, and it is 
programmed to automatically update the total if I change 
the Shares screen.  This option is offered to you if you 
generate a new Account in any Group with a short title 
called 'Shares' (or 'Stocks').

PETROL (GAS)
------------
(Needs BANKSPET.OVL loaded)

1.	I have included this option to keep track of my fuel 
consumption.  Initially it was just for one vehicle, but some 
of my friends asked if it could cope with more than one.  It 
will now accept 10, which should be enough for anyone. 

2.	Go into the Petrol screen using <Shift-PSION-P> or 
Menu or Diamond (If the title has been set to 'Gas', the key will
be <Shift-PSION-G>)  Note that it defaults to Litres and 
Miles, if you want to use UK or US Gallons, or kilometers, 
press <PSION-G> and <PSION-K> to change the defaults.

3.	Type <PSION-N> to add the first vehicle, calling it 
anything you like, although the type is probably a logical 
choice.  Don't worry, you can always change it later.

4.	You can now enter the details manually, or 
automatically.  First try a manual entry:  type <PSION-E> 
and fill in the details.  The cost in the first screen is how 
much you spent.  Note that in the second screen it will 
actually allow you to enter the total in litres or gallons,   or 
the price per litre/gallon (but not both).  It will always 
default to your last selection, (NOT the screen selection, as 
I personally like to enter the total in litres and have the 
screen show Miles/Gallon)  If you called the screen from an 
account where the foreign currency option was selected, or 
the global foreign currency option is selected, or the petrol 
foreign currency option is selected you will also be offered a 
foreign currency.  Put in a representative mileage for the 
first entry  (Please Note:  this first entry MUST be the total 
distance read directly off the odometer, NOT the distance 
since the last entry.  For future entries you can choose 
between the 2 systems.).  After entry, the screen will 
indicate the baseline entry.

5.	Now type in another value, using either elapsed or 
total distance. You should see that the spot MPG (or KPL 
etc) has now been evaluated, and that the average MPG is 
the same as the spot.  (Logical, of course, because it has 
only 1 entry to work on. Once there are a number of entries 
a genuine average MPG will be calculated.)

6.	This method of entering is really only for the case 
where you pay cash for petrol.  If you pay by cheque or 
plastic, you can enter it automatically.  To demonstrate this, 
press <ESC> and then go into the Current Account.  Enter 
a new transaction, filling in the details, but select the 
'Display Advanced Options' to 'Yes'.  In the second screen 
select the name of the vehicle in the 'Update Petrol 
Manager' field.  After pressing <ENTER> you will be 
presented with the 'Update History' dialog.  Fill in the details 
as before.  Note that the cost is transferred as well, in case 
you bought a newspaper or some chocolates on the same 
VISA bill and you want to change it!!  On completion, go to 
the Petrol screen and you should see that it has been 
entered, and the MPGs/MPLs have altered accordingly.  (If 
you call the entry 'Petrol' or 'Gas', it will automatically put 
you into this mode.)

7.	Now try entering a second car (<PSION-N>) (don't 
worry if you don't have one, you can delete it later).  The 
screen will now display the new car, and you can repeat a 
similar exercise as for the first car.  If you now enter a 
petrol transaction you will see that an extra field has 
appeared, allowing you to specify which car the purchase 
relates to.   For this demo use the second car.  Pressing 
<PSION-S> or the left arrow key in the Petrol screen will 
give you the opportunity to return to the original car. 

8.	Finally, go back to the petrol screen, select the 
second car using <PSION-S> or the right arrow, and delete 
it using <PSION--> (and the first one as well, if you don't 
want to use this option). 

9.	As of V1.5, I have incorporated a history display 
exactly the same as that used in the Shares Module.  Rather 
than have to explain it all again, use <PSION-V> to access 
the screen, and see the instructions for the Shares History 
for an explanation of the functions.  This screen also 
includes a Statistics screen which gives you a breakdown of 
your costs etc..

HOME CONTENTS
-------------
(Needs BANKSHOU.OVL loaded)

1.	This optional module is used to allow you to keep 
track of the value of your possessions for the purposes of 
insurance policies.  The module is very easy to use, and 
simply contains details of every one of your possessions, 
based on a description, a value, a serial number for your 
electrical goodies such as the Series 3A, a room location 
and a category.  The rooms and categories can be added, 
updated and deleted from their individual screens, and can 
be included (default) or excluded from the total value.  The 
items can be entered either from the main room screen or 
from the item description screen.   There is an option to 
allow all the items to be uprated for inflation, (or 
depreciation) (<PSION-L>) but if you do not want the Item 
to be affected, simply select 'Purchase price' in the 
'Replacement' field and the value will stay constant during 
the uprating process.  From V1.6 you can also do this just 
by Category.

2.	If you enter the 'Items' screen from the 'Rooms' 
screen, then it will show the Items in that Room.  If you 
enter the screen from the 'Categories' screen it will show the 
Items in that Category.  You can quickly switch 
rooms/categories using the hot key or the right/left arrows 
and find an Item using the 'Find Item' option..

3.	You can have up to 10 different houses defined, 
each with its own title.  Personally I have a house in the UK, 
I am renting a house in the USA and have some other items 
in long-term storage, so I need 3 Houses.  There is an option
available to Move/Copy Items between houses.

4.	The Print Routine allows you to print either all the 
Items, or just those associated with a Room or a Category, 
and in the Item screen you can sort the entries by a number 
of parameters.

UTILITY MODULE
--------------
(Needs BANKSUTI.OVL loaded)

1.	This optional module is designed to allow you to 
keep track of those Utilities you have that are metered, i.e. 
Electricity, Water, Gas etc..  In my case I pay the bills 
quarterly and I like to keep track of the figures weekly, so 
that is how the module is designed.  I have allowed for 3 
different utilities to be tracked, each of which can have 2 
different meters (to allow for dual-meters with cheaper 
overnight use),

2.	I believe the use of the module is fairly obvious, with 
one exception, covered later.  Use <PSION-A>, 
<PSION-B> and <PSION-C> to set up the 3 utilities, with 
titles, Standing Charges, costs for each meter and any
applicable tax rate.

3.	Each week, you can enter the meter readings, and 
the display will show the weekly usage as well as a running 
total.  The only oddity is that when you first start the 
program, it will calculate the total as though the previous 
meter reading was zero.  Simply use the 'Initial Balance' 
field in the Setup dialog to give the correct starting total.  
This may take some trial and error to get right, but it 
seemed the simplest solution to cover the possibility that 
someone will start using this program part-way through a 
billing cycle.

4.	Once a bill is received, this can be entered and will 
be deducted from the running total.  (Enter the full amount 
of the bill, including tax and the standing charge)

5.	All the usual keys are available, plus the extra one 
that the right and left arrows move between the 3 utilities.  
Also, I have given you the option of displaying more than 1 
utility at a time by setting the number of windows.  In this 
case, although you can still enter a meter reading for any of 
the  utilities, if you wish to amend or delete a line, the 
associated utility must be in the top 'Edit' screen.  Finally, 
there is a 'Swap' facility in case you want to change the 
order that the utilities appear in as you cycle through them 
with the arrows.

EXPENSES MODULE
---------------
(Needs BANKSEXP.OVL loaded)

1.	Initially, a number of users (including me) tried to 
use 'dummy' accounts and the Budget Categories to run 
Expense Accounts, and we have all come to the conclusion 
it doesn't work.  I have therefore, implemented a specially 
designed module which is similar to the Transaction screen, 
but optimised for an Expense Account.  I would like to 
thank Andy Waller, who gave me the basic outline for what 
was required and has spent a great deal of time making sure 
I get it right.  

2.	To use the module, enter it by using the Diamond 
key, the Menu or <Shift-Psion-E>.  Start a new trip with 
<PSION-N>, allocating a title and, if appropriate, an overall 
expense allowance (total or per-diem), a vehicle/distance 
rate (i.e. $0.11 a mile) and a currency.  Now we need to 
build up some Categories.  Use <PSION-M> and enter 
some representative Categories such as Food, Petrol, Hotel 
etc.  (I did wonder about using the main Budget Categories 
but decided it would be more flexible to hold a separate 
set.)

3.	Now enter a couple of expenses (<PSION-E> or 
<Enter>), selecting appropriate Amounts and Categories.  
The screen displays the results.  Now enter a vehicle journey 
(<PSION-J>).  The spend will be automatically calculated 
from the distance and the distance rate.  The total distance 
traveled is shown at the bottom of the screen, and if you 
want to see the individual distances, then remove the Status 
Screen (<CTRL-MENU>).

4.	Now, you can select a Category (or Distance) filter, 
and only those entries which match the category are 
displayed.  In this way you can find out individual totals for 
each category.  Also, once the travel claim has been 
submitted, entries can be reconciled in the same way as for 
the Transaction screen and archived to a file, which can then 
be viewed in the same fashion as the main archive.   Both 
the main screen and the archive screen can be printed.

5.	The final column can either be 'Total Spent', or 
'Amount Remaining' and can be set to show positive or 
negative.

6.	Following some discussion with advanced users, we 
decided to allocate each trip its own dedicated currency, to 
avoid problems with exchange rates.

PRINTING MODULE
---------------
(Needs BANKSPRT.OVL and S3APRINT.DYL loaded)

1.	I believe the printing functions are relatively 
straightforward, as they use similar routines as those 
contained in the  built-in applications.  Use the Printer 
Configuration option in Set Preferences to select Parallel, 
Serial or File (This simply mirrors the function available in 
the main System Screen), the Print Setup option to define 
the page layout, headers and footers etc. , the Print 
Preview option to check it, and then the Print function to 
output the details.
