 OVERVIEW
 
   The Loan/Lease Log is used to track loan or lease payments for the
   initial purchase (or lease) of the vehicle. It can also be used to
   track payments for other types of loans.  For example, if you took
   out a loan to pay for tires, a new engine, etc., this log will keep
   track of those loans.
 
   You can choose to include either the payments or the finance charge
   in the Cost Per Mile report.
 
   The last loan/lease record that was added will be displayed when
   you enter the Loan/Lease Log.  Use the TOP, END, BACK and FORWARD
   menu selections to look at different records. TOP takes you to the
   first record and END takes you to the last (current) record.
 
 
 ADD
 
   Press the A key to add a new loan/lease record. Enter the date and
   any other information you want to keep track of. The Loan Amount is
   the beginning unpaid balance or amount financed. The Finance Charge
   is the amount charged for the loan by the lender.  12 "Term" lines
   are available for comments, loan description, etc.
 
 
 CHANGE
 
   Use this option to make corrections or to add items that were not
   included when the record was added.
 
 
 DELETE
 
   Use this to remove a record or to recall (activate) a record that
   was deleted. Deleted records and payments will not be included in
   reports. You should normally not need to use this option.
 
   EXAMPLE of when you might use the Delete option:  you added a Loan/
     Lease record to CAR1 by mistake. It should have been added to
     another vehicle. You can delete the record from CAR1 so that it
     does not show on reports. Then later, when you are ready to add
     a new record to CAR1, instead of using the Add option, you can
     recall the record and Change it.
 
 
 INCLUDE
 
   The Include option lets you toggle (or switch) between including
   either the Payments or the Finance Charge in the Cost Per Mile re-
   port. As far as the Vehicle Record System is concerned, there are
   two types of loans. The first type is for the purchase of the ve-
   hicle and the second type is for everything else (tires, mainten-
   ance, accessories, etc.).
 
   The Cost Per Mile report breaks out all costs into categories, for
   example, Insurance, Tires, etc. When you enter costs for items that
   were purchased with the aid of a loan, you can tell the VRS where
   you want to put these costs. You do this by using a combination of
   Loan Codes and the Include option.
 
     ═════════════════════════════════════════════════════════════════
     VEHICLE PURCHASE LOAN - If you paid cash for the vehicle then you
       will not need to create a loan record, however, you will want
       to set the Include toggle to include the purchase price in the
       Identification/Registration log.  If you purchased the vehicle
       with a loan, you will still enter the purchase price in the
       Identification/Registration but you can wait until the loan is
       paid before including the price in the ID/REG category of the
       CPM report.
 
       ╔════════════╤════════════╗    ╔═════════════════════════╗
       ║   ID/REG   │ LOAN/LEASE ║    ║  Costs are added into   ║
       ╟────────────┴────────────╢ »» ║  these CPM Categories   ║
       ║  By setting the Include ║    ╟────────────┬────────────╢
       ║  toggle to these values ║    ║   ID/REG   │ LOAN/LEASE ║
       ╚═════════════════════════╝    ╚════════════╧════════════╝
       ┌────────────┬────────────┐    ┌────────────┬────────────┐
       │  EXCLUDE   │  INCLUDE   │    │            │            │
     A │  Purchase  │  Payments  │ »» │            │  Payments  │
       │   Price    │            │    │            │            │
       └────────────┴────────────┘    └────────────┴────────────┘
                                   OR
       ┌────────────┬────────────┐    ┌────────────┬────────────┐
       │  INCLUDE   │  INCLUDE   │    │            │            │
     B │  Purchase  │  Finance   │ »» │  Purchase  │  Finance   │
       │   Price    │  Charge    │    │   Price    │  Charge    │
       └────────────┴────────────┘    └────────────┴────────────┘
 
       Selecting the A combinations will give you a more accurate
       cost breakout per time period. When the loan has been paid
       off, you can switch to the B combination if you wish. The
       category totals will be different, but the total amount will
       be the same since payments should equal the purchase price
       plus the finance charge.
 
     ═════════════════════════════════════════════════════════════════
 
     OTHER LOANS - Use the Loan Codes for items you log in the Maint/
       Access/Misc-Log, the Tires Log and the Insurance Log. Items
       purchased with a loan will still show in the totals for the
       individual logs reports.
 
       ╔════════════╤════════════╗    ╔═════════════════════════╗
       ║ M-T-I LOGS │ LOAN/LEASE ║    ║  Costs are added into   ║
       ╟────────────┼────────────╢ »» ║  these CPM Categories   ║
       ║ By setting │  and the   ║    ╟────────────┬────────────╢
       ║Loan Code to│ Include to ║    ║ M-T-I LOGS │ LOAN/LEASE ║
       ╚════════════╧════════════╝    ╚════════════╧════════════╝
       ┌────────────┬────────────┐    ┌────────────┬────────────┐
     A │     L      │  Payments  │ »» │            │  Payments  │
       └────────────┴────────────┘    └────────────┴────────────┘
                                   OR
       ┌────────────┬────────────┐    ┌────────────┬────────────┐
     B │     Y      │  Finance   │ »» │  cost of   │  Finance   │
       │            │  Charge    │    │  the item  │  Charge    │
       └────────────┴────────────┘    └────────────┴────────────┘
 
       Example: You take out a loan for new tires and are logging
         the payments in the Loan/Lease Log. By using the A combin-
         ation, the CPM report will reflect the actual amount you
         paid during a period of time and not the total cost of the
         tires.
 
         When the loan has been paid off, you can change the L codes
         to Y and change the Loan/Lease to include the Finance Charge.
         Now when you run the CPM report, the amount borrowed will be
         added into the Tires category and the Finance Charge will be
         added into the Loan/Lease category.
 
 
 PAYMENTS
 
   Press the P key to record your loan/lease payments. Payments are
   indexed (sorted) by date. This means that your payments can be
   entered out of order and they will automatically be sequenced by
   the date. Additional help is available from the Payment menu.
 
 
 REPORTS
 
   Loan/Lease reports can be created for any period of time. You can
   run reports for just the displayed record or for all loan/lease re-
   cords (enter Y for Print ALL records).
 
   The default values assume that you want to list all payments and
   all Paid Codes for the displayed record. If you want a report that
   shows only Paid Code A, then blank out (enter a Space) all other
   codes. The FROM and TO dates default to the first and last payment
   dates.
 
   NOTE: Ctrl-End takes you to the last entry, Ctrl-Home takes you to
         the first.
 
   Printing to a file will place this report into a file named LON.TXT
   which will be created in the Program Directory (VRS90). This option
   will allow you to import this report into a word processing or a
   spreadsheet program if those programs support ASCII files.
 
   EXAMPLE: You want to create a report showing all payments for 1989.
            To do this, change FROM to 01/01/1989 & TO to 12/31/1989.
            Press Ctrl-End to go to the bottom of the screen, then
            press the Up Cursor and change Print ALL records to Y.
            Press the PgDn key.
 
  * * * * * * * * * * * * * * * * END * * * * * * * * * * * * * * * *
 ALL records to Y.
            Press the PgDn key