`DSPMONEY        DISPLAY MONEY                          TAAMONA`
```
The Display  Money commands provide  the typical types  of calculations
relative to  accumulating money, borrowing  money, paying money  out of
a  fund, etc.   See  CVTMONEY for CVT  commands that  will allow return
variables with the  same information.   Several commands are  provided.

GO    DSPMONEY

A command may also be invoked to access the menu:

DSPMONEY

The commands are as follows:

DSPMONGROW    How  much  will  an initial  amount  grow  to  that is
invested for a certain number of years?

DSPMONLOAN    What is  the  periodic  payment amount  if  a  certain
amount is  borrowed for  a specific  number of  years?
This is the typical mortgage calculation.

DSPMONPV      What  is  the  present  value  of  money?    You  will
receive an amount in the  future.  What would  someone
pay you  today  for the  promise to  receive the  full
amount in the future.

DSPMONLVL     How much  money will be accumulated if  you make level
payments for a certain number of years?

DSPMONANU     How  much money will you  need to establish an annuity
that will  pay  you a  level income  for  a period  of
years?

DSPMONFUND    You want  to accumulate a  certain amount of  money at
a  specific date in the future.   How much do you need
to invest each period?

DSPMONDIST    You have a sum of  money today and want to  distribute
it  with   fixed  amount  distributions.     How  many

The  commands prompt you for  the typical information such  as how many
years, interest rate,  frequency of payment  etc.  Most  of the  output
shows a  summary  by year.   Where  appropriate,  you may  enter a  tax
percent to show the impact of being taxed on the interest.

The answers are displayed using DSPSPLF or may be printed.

When  GO DSPMONEY  is used,  a data  area named  DSPMONEY is  placed in
QTEMP.   It will  include the values  for the last  command entered for
each option.   This allows  the same  option to be  requested again  so
that  the parameter  prompts will  contain the  last  values specified.
This is very useful if you are trying different alternatives.

The following are a few typical commands:

**   How  much is 10,000.00 invested  today at 8%  worth in 10 years?

DSPMONGROW  INLAMT(10000) INTRATE(8)

**   What is the monthly payment  if 50,000 is borrowed for 25  years
at 10%?

DSPMONLOAN  LOANAMT(50000) INTRATE(8)

**   How much money  do you need to  invest to receive an  annuity of
1000 a month for 10 years at 8% interest?

DSPMONANU   AMTRCV(1000) INTRATE(8)

Display Money Growth - DSPMONGROW                     *CMD
---------------------------------

DSPMONGROW shows  how much an initial amount  will grow after a certain
number of  years.   The  money  is considered  to  be invested  at  the
beginning of the year.

INLAMT        The initial amount of money to be invested.

INTRATE       The interest  rate to  be earned.   Six  and one  half
percent should be entered as 6.5.

COMPOUND      The   frequency  in   which  the   interest   will  be
compounded.    The  default  is  *MTHLY.    The  other
values  which  may be  entered  are  *DAILY,  *WEEKLY,
*QTRLY, *SEMIAN, and *ANN.

YEARS         The number  of years that the money  is to accumulate.
Only  full years are  considered.  The  default is 10.

STRYEAR       The year  to  start.   The  default  is *CUR  for  the
current year.

TAXRATE       The  tax  rate   to  be  considered  for   the  earned
interest.   The  default is  0.   Entering a  tax rate
lets  you  see   the  net  interest   that  is   being
accumulated.

OUTPUT        How  to  output  the  results.    *  is  the  default.
*PRINT   may  be   specified.     This  is   the  same
definition as most DSP commands.

Display Money Loan - DSPMONLOAN                      *CMD
-------------------------------

DSPMONLOAN  will describe what the periodic  payment will be to pay off
a loan of a specific amount of  money over a period of years.   This is
the typical  mortgage calculation.  The  payment is made at  the end of
the  period.  There is an optional  parameter (ADDPRN) which allows you
to pay additional principal  each period to  pay the loan off  earlier.

LOANAMT       The amount to be loaned.

INTRATE       The interest  rate to  be charged.   Six and  one half
percent should be entered as 6.5.

YEARS         The  number of years  to repay.   Only full  years are
used.  The default is 10.

STRYEAR       The year to start.   The default  is *CUR which  means
the current year.

STRMTH        The month  to  start.   The default  is  *CUR for  the
current month.

PAYFREQ       The  payment  frequency.     The  default  is  *MTHLY.
Other   values  which  may   be  entered  are  *BIMTH,
*QTRLY, *SEMIAN, and *ANN.

This amount  does not reduce the regular  payment.  It
allows  you to  pay off the  loan earlier  by paying a
fixed  amount  every  period   (in  addition  to   the
regular payment)  to reduce the  principal.   This has
the effect  of reducing the number  of pay periods and
causing the last  payment to be  less than the  normal
amount.   For  example,  if  your monthly  payment  is
312.45,  you can  pay an  additional 100.00  per month
to  help  reduce the  principal and  thus pay  off the
loan earlier.

DETAIL        The amount of output  to be produced.  The  default is
*YEARLY for one  line per year.  You  may also specify
*PAYFREQ   to  see  one  line   of  output  for  every
payment.  The  intent of this  parameter is to  reduce
the  amount of  output.    The *PAYFREQ  value  should
only be needed when you want a detail schedule.

OUTPUT        How  to  output  the  results.    *  is  the  default.
*PRINT  may   be  specified.     This   is  the   same
definition as most DSP commands.

Display Money Present Value - DSPMONPV                *CMD
--------------------------------------

DSPMONPV determines the  present value of  money that will  be received
in  the future.    For  example, assume  you  are to  receive  a 10,000
payment  at the end  of the year.   If you  go to the  bank today, they
will not  give you  the  full 10,000  but rather  a discounted  amount.
This is the inverse of DSPMONGROW.

AMT           The amount of  money to be received at  the end of the
period.

INTRATE       The  interest  rate to  be  used.   Six  and  one half
percent should be entered as 6.5.

COMPOUND      The  frequency   in  which   the  interest   will   be
compounded.    The  default  is  *MTHLY.    The  other
values  which  may  be  entered  are *DAILY,  *WEEKLY,
*QTRLY, *SEMIAN, and *ANN.

YEARS         The  number  of  years  that   the  money  is  to   be
discounted.   Only  full years  are  considered.   The
default is 10.

OUTPUT        How  to  output  the  results.    *  is  the  default.
*PRINT   may  be   specified.     This  is   the  same
definition as most DSP commands.

Display Money Level - DSPMONLVL                       *CMD
-------------------------------

DSPMONLVL shows how much  money will be accumulated by  making periodic
payments for  a number of  years.  The payments  are to be  made at the
beginning of each period.

LVLAMT        The amount you plan to invest per period.

INTRATE       The  interest rate  to be  earned.   Six and  one half
percent should be entered as 6.5.

LVLFREQ       The frequency  in  which  you  plan to  invest.    The
default  is *MTHLY.   The  other values  which may  be
entered  are   *QTRLY,  *SEMIAN,  and  *ANN.    It  is
assumed that the  interest will be  compounded at  the

YEARS         The number of  years that the money is  to accumulate.
Only full  years are considered.   The default  is 10.

STRYEAR       The  year  to  start.   The  default is  *CUR  for the
current year.

STRMTH        The month  to  start.   The default  is  *CUR for  the
current month.

INLAMT        The  initial  amount  of   money  that  exists.    The
default  is 0.  This value  assumes you already have a
lump  sum  and  want  to  add  to  it  with   periodic
investments.  This is the lump sum amount.

TAXRATE       The  tax  rate   to  be  considered  for   the  earned
interest.   The  default is  0.   Entering a  tax rate
lets  you  see   the  net  interest   that  is   being
accumulated.

OUTPUT        How  to  output  the  results.    *  is  the  default.
*PRINT   may  be   specified.     This  is   the  same
definition as most DSP commands.

Display Money Annuity - DSPMONANU                     *CMD
---------------------------------

DSPMONANU  shows how much  you will need  to invest today  to receive a
level amount of  money over  a period of  years.   For example, if  you
want to  receive 1,000 a  month for 20  years, how much would  you need
to  invest.   This  is a  fixed length  annuity  and does  not consider
mortality.

AMTRCV        This  is the  amount  you  want  to  receive  at  each
period.

INTRATE       The interest  rate to  be earned.   Six  and one  half
percent should be entered as 6.5.

RCVFREQ       The  frequency in  which you  will receive  the money.
The default is  *MTHLY.   The other  values which  may
be  entered  are  *QTRLY,  *SEMIAN,  and  *ANN.    The
frequency you  receive the money is assumed  to be the
same   as   the   frequency  that   the   interest  is
compounded.

YEARS         The number  of  years that  the money  is  to be  paid
out.   Only full  years are  considered.   The default
is 10.

OUTPUT        How  to  output  the  results.    *  is  the  default.
*PRINT  may   be  specified.     This   is  the   same
definition as most DSP commands.

Display Money Fund - DSPMONFUND                       *CMD
-------------------------------

DSPMONFUND will describe  the periodic payment amount that  needs to be
made to  accumulate a specific amount of money  over a period of years.
For example, you want  to have 10,000 accumulated  after 5 years.   How
much do you need to invest each period to achieve this.

TOTAMT        The total amount of money to be accumulated.

INTRATE       The interest  rate to  be earned.   Six  and one  half
percent should be entered as 6.5.

YEARS         The  number  of  years to  pay  into  the  fund.   The
default is 10.

STRYEAR       The  year  to  start.   The  default is  *CUR  for the
current year.

STRMTH        The month  to  start.   The default  is  *CUR for  the
current month.

PAYFREQ       The  payment  frequency.     The  default  is  *MTHLY.
Other   values  which  may   be  entered  are  *QTRLY,
*SEMIAN, and *ANN.

TAXRATE       The  tax  rate  to   be  considered  for  the   earned
interest.   The default  is 0.   Entering  a tax  rate
lets  you  see  the  impact  of  paying taxes  on  the
earned interest.

OUTPUT        How  to  output  the  results.    *  is  the  default.
*PRINT  may   be  specified.     This   is  the   same
definition as most DSP commands.

Display Money Distribution - DSPMONDIST               *CMD
---------------------------------------

DSPMONDIST  will describe  how many periods  of a  level amount  can be
distributed  out of a fund.   You describe the  initial amount of money
that  exists and  the  amount  to  be  distributed each  period.    For
example, you  have 50,000 now and want  to withdraw 1000 a  month.  How
many months can you receive the 1000?

INLAMT        The  initial   amount  of  money  that  exists  to  be
distributed.

DSTAMT        The distribution amount  for each period.   This is  a
level amount for each period.

INTRATE       The interest  rate to  be earned.   Six  and one  half
percent should be entered as 6.5.

DSTFREQ       The  distribution  frequency.    How  often  will  the
distribution amount be  distributed.   The default  is
*MTHLY.    Other  values  which  may  be  entered  are
*QTRLY, *SEMIAN, and *ANN.

STRYEAR       The  year  to start.    The default  is  *CUR for  the
current year.

STRMTH        The  month  to start.   The  default  is *CUR  for the
current month.

TAXRATE       The  tax  rate  to   be  considered  for  the   earned
interest.   The  default is  0.   Entering a  tax rate
lets  you  see  the  impact  of  paying  taxes on  the
earned interest.   It  is assumed  the initial  amount
is tax free.

OUTPUT        How  to  output  the  results.    *  is  the  default.
*PRINT   may  be   specified.     This  is   the  same
definition as most DSP commands.

Display Money _ DSPMONEY                              *CMD
------------------------

DSPMONEY invokes the DSPMONEY menu.  No parameters exist.

Restrictions
------------

None.

Prerequisites
-------------

The following TAA Tools must be on your system:

EDTVAR       Edit variable
DSPSRCMBR    Display source member
MOVTODEC     Move to decimal
RTVDAT       Retrieve date
RTVSYSVAL3   Retrieve system value 3
SNDCOMPMSG   Send completion message
SNDESCMSG    Send escape message

Implementation
--------------

None, the tool is ready to use.

Objects used by the tool
------------------------

Object        Type        Attribute      Src member    Src file
------        ----        ---------      ----------    ----------

TAAMONA       *CMD                       TAAMONA       QATTCMD
TAAMONA2      *CMD                       TAAMONA2      QATTCMD
TAAMONA3      *CMD                       TAAMONA3      QATTCMD
TAAMONA4      *CMD                       TAAMONA4      QATTCMD
TAAMONA5      *CMD                       TAAMONA5      QATTCMD
TAAMONA6      *CMD                       TAAMONA6      QATTCMD
TAAMONA7      *CMD                       TAAMONA7      QATTCMD
TAAMONA9      *CMD                       TAAMONA9      QATTCMD
TAAMONAC      *PGM           CLP         TAAMONAC      QATTCL
TAAMONAC2     *PGM           CLP         TAAMONAC2     QATTCL
TAAMONAC3     *PGM           CLP         TAAMONAC3     QATTCL
TAAMONAC4     *PGM           CLP         TAAMONAC4     QATTCL
TAAMONAC5     *PGM           CLP         TAAMONAC5     QATTCL
TAAMONAC6     *PGM           CLP         TAAMONAC6     QATTCL
TAAMONAC7     *PGM           CLP         TAAMONAC7     QATTCL
TAAMONAC8     *PGM           CLP         TAAMONAC8     QATTCL
TAAMONAC9     *PGM           CLP         TAAMONAC9     QATTCL
TAAMONAR      *PGM           RPG         TAAMONAR      QATTRPG
TAAMONAR2     *PGM           RPG         TAAMONAR2     QATTRPG
TAAMONAR3     *PGM           RPG         TAAMONAR3     QATTRPG
TAAMONAR4     *PGM           RPG         TAAMONAR4     QATTRPG
TAAMONAR5     *PGM           RPG         TAAMONAR5     QATTRPG
TAAMONAR6     *PGM           RPG         TAAMONAR6     QATTRPG
TAAMONAR7     *PGM           RPG         TAAMONAR7     QATTRPG

Structure
---------

TAAMONAC8  CL

DSPMONGROW Cmd
TAAMONAC   CL
TAAMONAR   RPG

DSPMONLOAN  Cmd
TAAMONAC2  CL
TAAMONAR2  RPG

DSPMONPV   Cmd
TAAMONAC3  CL
TAAMONAR3  RPG

DSPMONLVL   Cmd
TAAMONAC4  CL
TAAMONAR4  RPG

DSPMONANU   Cmd
TAAMONAC5  CL
TAAMONAR5  RPG

DSPMONFUND Cmd
TAAMONAC6  CL
TAAMONAR6  RPG

DSPMONDIST  Cmd
TAAMONAC7  CL
TAAMONAR7  RPG

DSPMONEY    Cmd
TAAMONAC9  CL
```

Added to TAA Productivity tools April 1, 1995