Cash for Kids User's Manual
------------------------------------------------------------


Contents
--------
License Agreement

Cash for Kids Order Form

Getting Started
- What You Need
- Installing Cash for Kids
- Re-Installing Cash for Kids
- Entering and Exiting Cash for Kids
- Getting Help
- The README.TXT File

Basic Operations
- Keeping Your System Date Accurate
- International Dates
- Creating a Bank Account
- Using the Kid's Register
- Depositing Money
- Withdrawing Money
- Editing Transactions
- Deleting Transactions
- Viewing the Graph
- Printing a Report
- Using the Calculator
- Using the Calendar

Using the Memorized List
- Adding Memorized Transactions
- Editing Memorized Transactions
- Deleting Memorized Transactions
- Recalling Memorized Transactions

Setting Goals
- Graphing and Goals

Account Security
- Passwords
- Setting Permissions

Account and File Management
- Editing an Account Name
- Deleting an Account
- Changing the Account Order
- Backing Up Your Data File
- Cash for Kids Files


License Agreement
------------------------------------------------------------

Cash for Kids Version 1.0T is a Shareware Program.  Shareware 
is a form of software marketing that allows you to "try 
before you buy". Shareware has low advertising costs that 
result in lower software prices.

You are encouraged to freely copy Version 1.0T and distribute 
to friends, etc. 

You may not alter the program or documentation in any way.  
It must be left in its original form.

 
Cash for Kids Order Form
------------------------

Fill out this form and mail it to:
   Adrian-Thomas                 Make Check or Money Order
   782 Harlequin Crescent        payable to Adrian-Thomas
   Orleans, Ontario, Canada
   K1E 2P3

Name    ____________________________________________________
Address ____________________________________________________
City    _____________________ Prov/State ___________________
Country _____________________ Postal Code / Zip ____________
Phone   (      ) ______ - ________

 DESCRIPTION                                           PRICE
------------------------------------------------------------
 Cash for Kids Commercial Version (all funds in U.S dollars)
  Windows version  $29.95 each ...................... $ ____
  DOS version      $29.95 each ...................... $ ____
 Shipping and Handling
  $3.00 US and Canada  (Other countries $10.00) ..... $ ____
                                          Total ..... $ ____
------------------------------------------------------------

Cash for Kids includes both 3.5" and 5.25" diskettes

How did you hear about Cash for Kids? ______________________
____________________________________________________________

THANK YOU for your order!


Getting Started
------------------------------------------------------------

What You Need
-------------
- a Microsoft Windows compatible computer.
- Microsoft Windows Version 3.0 or later running in Standard
  or Enhanced modes.
- a VGA or compatible display adapter or better.
- a Windows compatible mouse, trackball or other pointing device.
- a Windows compatible printer.
- Windows Operational Knowledge
    Cash for Kids is very easy to learn if you know how to 
    operate Microsoft Windows. If you don't, it is recommended
    that you learn the basics of operating Windows first. Refer
    to your Windows Manual or the many books available on 
    operating Windows.

Installing Cash for Kids
------------------------
Follow these directions to install Cash for Kids on your PC's 
hard disk:  
1. Insert the Cash for Kids diskette in your diskette drive 
   and close the door. 
2. Open the Windows Program Manager and choose File / Run. 
3. Type A:INSTALL.
   (If you are installing from drive B, type B:INSTALL) 
4. Choose OK.
5. Specify the complete path to the directory where you want
   to install Cash for Kids. C:\CFK is the default path.
6. Choose OK. The Cash for Kids files are copied to your hard 
   disk.
7. At the Create Cash for Kids Icon dialog box, choose Create 
   Icon to add an icon on the Main group of the Program 
   Manager. Choose skip to skip this step.
 
Re-Installing Cash for Kids
---------------------------
If you are installing over a previous copy of Cash for Kids,
the installation program will not alter your data file. 
Install to the same directory and skip the creating of a 
Cash for Kids icon. 

Entering and Exiting Cash for Kids
----------------------------------

Running the Program
-------------------
From the Windows Program Manager, double-click the Cash 
for Kids icon to run the program.

Exiting the Program
-------------------
While viewing the Cash for Kids Main Menu, choose the Exit 
button to exit the program. Another way is by choosing 
Close from the Control Menu.

Getting Help
------------
You can view help by choosing Help on the menu. Context 
sensitive help is available by pressing F1 while viewing 
most screens and dialog boxes.

The README.TXT File
-------------------
The README.TXT file in your Cash for Kids directory contains
last minute changes made after the manual was printed. You 
can view it using the Windows Notepad program.



Basic Operations
------------------------------------------------------------

Keeping Your System Date Accurate
---------------------------------
Cash for Kids uses your system date to determine when to add 
recurring transactions like allowances. It is important that the
date is correct. A warning message reminds you whenever the 
system date is more than a month apart from the date of your 
Cash for Kids data file. If the system date is incorrect, exit
Cash for Kids and correct it at the Windows Control Panel.

International Dates
-------------------
Cash for Kids allows you to use the default Month-Day-Year 
format   or  the   Day-Month-Year   format.   Choose 
Administration / Program Options from the Main Menu and 
choose the format.

Creating a Bank Account
-----------------------
The Cash for Kids Main Menu is the screen with a picture 
of a bank. Buttons for each account appear to the right of 
this picture.

While viewing the Main Menu, choose Administration / New 
Bank Account to view the Create a New Bank Account dialog 
box. Type the Account Name and Starting Balance and choose OK.

Adding More than 6 Accounts
---------------------------
Cash for Kids can have 6 accounts per DOS subdirectory. If 
you need more, install Cash for Kids again. This time choose 
another path like C:\CFK2.

Using the Kid's Register
------------------------
After adding one or more Kid's accounts, choose an account 
name button to view the Kid's Register. 
 
...With Register Screen Keys
  Cursor Up     Move the Gray Rectangle up one transaction.
  Cursor Down   Move the Gray Rectangle down one transaction.
  Home          Move to the first transaction in the register.
  End           Move to the last transaction in the register.
  Page Up       Page backwards through the register.
  Page Down     Page forwards through the register.

...With the Mouse
  Click	        Move the Gray Rectangle to the transaction 
                under the mouse pointer.
  Double-click  Move the Gray Rectangle to the transaction
                under the mouse pointer and edit this 
                transaction.
  Scrollbar     Control movement through the Kid's Register.

100 Transactions per Kid's Register
-----------------------------------
Each Kid's Register holds 100 transactions. When you need to 
add more than this, Cash for Kids throws away the oldest to 
make room available. This keeps account management simple. 
Cash for Kids shows your child the future rather than 
dwelling on the past.

No Account Reconciliation Required
----------------------------------
While the Kid's Register looks similar to that of adult 
checkbook programs, no reconciliation or balancing of 
accounts is needed. 

Depositing Money
----------------
Choose the Deposit button to view the Deposit dialog box. 
Type in the Description (e.g. "Gift") and Amount of the 
transaction.

Use the keys to the right of the Date to change the date.

Choose OK to add this transaction to the Kid's Register.

Withdrawing Money
-----------------
Choose the Withdraw button to view the Withdraw dialog box.
Type in the Description and Amount of the withdrawal in the
same way as for Deposits (see above).

Editing Transactions
--------------------
Choose the Edit button to edit or change the transaction 
marked by the Gray Rectangle. You can change the transaction's
Date, Description or Amount in the same manner as in the 
Deposit dialog box.

Deleting Transactions
---------------------
Choose the Delete button to delete the transaction marked 
by the Gray Rectangle. A confirmation box appears. You can 
perform the delete or cancel. Choose OK to delete the 
transaction.

Viewing the Graph
-----------------
Choose the Graph button to view the graph showing the 
expected cash growth for this account. The graph displays 
a projection of the money expected to accumulate in this 
account. It includes memorized deposits (e.g. allowances).
It also shows the effect of withdrawals for purchasing 
"Goals". See "Goals" for more information.

Graphs show important trends. The graph bars should increase 
over time. Otherwise your child is spending more than he or
she is receiving. Perhaps spending will need to be decreased. 
Otherwise, your child must negotiate for a larger allowance.

Printing a Report
-----------------
While viewing the Kid's Register, you can print out a handy 
report by choosing Print from the menu. Cash for Kids prints 
to the default printer defined by the Windows Control Panel. 
Choose OK at the Print dialog box to start printing.

If the message "An active printer is not set up" appears, 
go to the Windows Control Panel and correct the problem.

Using the Calculator
--------------------
Choose the Calculator button when visible to run the Windows
Calculator. You can return to Cash for Kids by closing or 
minimizing the Calculator. Another way is by clicking on 
the Cash for Kids window. 

You can Copy and Paste numbers between the Calculator and 
Cash for Kids. Use Ctrl+Insert to Copy from one and 
Shift+Insert to Paste to the other.

Using the Calendar
------------------
Choose the Calendar button when visible to view the Calendar. 
Use the < > keys to change months. Choose Current to view the 
current month. Choose OK to exit the Calendar.


Using the Memorized List
-----------------------------------------------------------------
Use the Memorized List to remember frequently used transactions 
like Allowances. You can have as many as 20 memorized 
transactions per account.

While viewing the Kid's Register, choose Memorized to view the 
Memorized List dialog box.

Some memorized transactions have information in the Next and 
Frequency columns. These transactions are automatic deposits 
or withdrawals. 

Automatic transactions may occur weekly, bi-weekly, monthly, 
bi-monthly, quarterly, semi-annually, annually or only once. 
Any time you use weekly, the actual day of the week will 
appear instead of the word Weekly. For example, if you have 
a weekly allowance that is deposited on Saturday, you will 
see the word Saturday in the Frequency column.

Adding Memorized Transactions
-----------------------------
Select Add Deposit or Add Withdrawal to add a transaction to 
the Memorized List. The Add Memorized Deposit or Add Memorized 
Withdrawal dialog box appears. 

  Description   Type the Description of this memorized 
                transaction.
  Amount        Leave this as "0" if the amount of this 
                transaction varies whenever it is used. 
                Otherwise, type in a fixed amount.
  Auto Insert   Choose On to automatically insert this 
                transaction in the Kid's Register at regular 
                intervals. Set the Next Date for this 
                transaction to occur and set the Repeat 
                Frequency. For example, to set a weekly 
                allowance of $5, enter the following:
	          Description      = Allowance
                  Amount           = 5
                  Auto Insert      = On
                  Next Date        = next date of occurrence
                  Repeat Frequency = Weekly

Press the OK button to add this transaction to the Memorized
List.

If you set the Next Date value of a memorized transaction to
a date that is the same or earlier than the System Date, 
the message "Next Date is on or prior to the System Date 
so transactions will be added to the register" appears. 
This message alerts you that Cash for Kids will add one or 
more transactions to the Kid's Register. Choose OK to accept
this.

One-Time Insertions
-------------------
Set the Repeat Frequency to One-Time if the transaction is 
to be inserted only once. After this memorized transaction 
is inserted in the Kid's Register, Auto Insert is turned off. 


Editing Memorized Transactions
------------------------------
Select a transaction and choose the Edit button to edit a 
memorized transaction.


Deleting Memorized Transactions
-------------------------------
Select a transaction and choose the Delete button to delete 
a memorized transaction. Choose OK at the confirmation dialog 
box to confirm the delete request.


Recalling Memorized Transactions
--------------------------------
Whenever you Deposit, Withdraw or Edit Transactions while 
viewing the Kid's Register, you can use the Recall button 
to enter Descriptions and Amounts quickly. Follow these steps:
1. Choose Deposit, Withdraw or Edit.
2. Choose the Recall button to search the Memorized List 
   for matching transactions. The Select from Memroized List
   dialog box appears:
3. Choose the desired transaction by double-clicking on it
   or selecting it and choosing OK. It is loaded into the 
   Deposit, Withdraw or Edit window.

Other Rules:
- Only transactions in the Memorized List with Auto Insert 
  off will appear in the Select from Memorized List dialog box.
- Only transactions matching the characters in the 
  Description field at the time the Recall button is pressed 
  will appear in the Select from Memorized List dialog box.  
  For example, if the Description field contains the characters 
  "SA" when the Recall button is pressed, only transactions 
  starting with "SA" will appear. Note that Cash for Kids is 
  not case sensitive. If you leave the Description field 
  blank, all transactions will be visible in the listbox.


Setting Goals
------------------------------------------------------------
Setting goals is an important habit for children to develop. 
It encourages planning ahead for major purchases. 

With Cash for Kids, your child establishes the "what, when 
and how much" for each goal. Use the Graph button to view 
the future cash prediction and see if a goal is realistic.

Cash for Kids allows your child to set a maximum of 10 
goals per account.

Don't try to set too many goals. One or two is sufficient 
in most cases. Older children will tend to have more 
goals while younger children may have one goal (or 
perhaps none). 

Viewing the Goals Dialog Box:
From the Kid's Register, choose the Goals button to 
view the Goals dialog box.

Adding Goals:
Choose the Add Goal button to view the Add Goal 
dialog box. Type the Description and the Amount 
of the goal. Select the Date when you want to 
reach this goal. For example, if you want to buy 
a new bicycle in July of 1993 for $200, enter these 
values in the entry fields. Choose OK to add the 
new goal to the Goal List.

Editing Goals:
Choose the Edit button to edit the Description, Amount 
or Date of the selected goal. Make the changes in the 
Edit Goal dialog box and choose OK.

Deleting Goals:
Choose the Delete button to delete the selected goal. 
Choose OK at the confirmation dialog box to confirm 
the delete request.  Remember to delete a goal when 
it has been achieved!


Graphing and Goals
------------------
Choose the Graph button to see if your child can achieve 
his goals.
  
Achievable Goals:
Goals are achievable if the graph bars are far away 
from the zero line. Your child will have enough money 
to purchase the goal items with additional funds 
remaining for miscellaneous expenditures.

Unachievable Goals:
Goals are unachievable if the bars fall below zero. 
Even if the bars are slightly above zero, this means 
that your child must avoid all spending to reach the 
desired goals. Whenever goals look unachievable, your 
child has several options:
1. Reduce the purchase amount. For example, buy a 
   less expensive bicycle.
2. Delay the date of purchase. For example, wait 
   several months longer before buying the bicycle.
3. Eliminate some goals. If there are several goals, 
   keep the more important ones and eliminate the 
   unimportant ones.
4. Negotiate for a higher allowance.
5. Do special chores (ones that the family would 
   normally pay an outsider to do) for additional income.


Account Security
------------------------------------------------------------
Cash for Kids provides optional "account security". When 
you first install Cash for Kids, security is off. 

Turning on security enables you to:
- keep each child's records confidential to prevent 
  siblings from comparing account balances.
- prevent tampering by siblings.
- prevent children from accidentally destroying their 
  data.

Choose Administration / Passwords and Permissions from 
the Main Menu to turn on security. You see the Passwords 
and Permissions dialog box.


Passwords
---------
There are two kinds of passwords:
1. Account Passwords:  When used, your child will need
   to enter an Account Password to view or change the 
   account.
2. Supervisor Password:  There is only one Supervisor
   Password and it is for parental use. The Supervisor 
   Password lets you view or change any account.

Even if Account Passwords are not needed, setting up 
a Supervisor Password will prevent your children from 
using the Administration pull down menu. This means 
only "supervisors" can add or delete accounts and set 
passwords and permissions.

Setting Passwords:
While viewing the Passwords and Permissions dialog 
box,  type in a password. Choose OK when finished. 
If you add or change the Supervisor Password, a 
Confirm Supervisor Password Change dialog box appears. 
Key in the Supervisor Password again and choose OK to 
confirm the change.

DON'T FORGET THE SUPERVISOR'S PASSWORD. Choose a 
password that you won't forget or write this password 
down and keep it in a safe place. 

Change or set passwords only when the children are 
not present. You don't want them to see the passwords.

Removing a Password:
Type in blanks for the password while viewing the
Passwords and Permissions dialog box. You can remove 
the Supervisor Password as well as Account Passwords.

Using Account Passwords:
To view a password protected account:
1. Choose the account button from the Main Menu. An 
   Enter Password dialog box appears.
2. Type the password. Passwords are not case sensitive
   so you can type upper or lower case characters. 
3. Choose OK. You see the Kid's Register if the 
   entered password is correct.

If you forget the Account Password, just look at the 
Passwords and Permissions dialog box.

Using the Supervisor Password
To turn on the Supervisor Mode:
1. Choose the Supervisor menu item. An Enter Password
   dialog appears.
2. Type the Supervisor Password.
3. Choose OK. The Supervisor (key) icon appears. Now 
   you can view any account and use the Administration
   pull down menu.

Turn off the Supervisor icon by choosing the Supervisor 
menu item again.


Setting Permissions
-------------------
Use the Passwords and Permissions dialog box to set 
account permissions.

Supervisor Update Only:
Only Supervisors can add, change or delete transactions 
in this account if you check this box. Your child will 
be able to view this account, but not alter it. You must
turn on the Supervisor icon to make any changes.

Hide Main Menu Balance:
Check this box to prevent the account balance from 
being visible on the Main Menu. Then only the owner 
of the account or the Supervisor can see how much 
money is in the account. 

You should assign an account password for this to be 
effective. Otherwise, anyone can easily click on the 
account button and view the Kid's Register.


Account and File Management
------------------------------------------------------------

Editing an Account Name
-----------------------
1. From the Main Menu, choose Administration / Bank 
   Account Administration. You see the Bank Account 
   Administration dialog box. Note:  If you set up a 
   Supervisor Password, you must turn on the Supervisor 
   icon before  you can choose the Administration menu 
   item.
2. Select the account name in the listbox.
3. Choose the Edit Account Name button. Change the 
   Account Name in the Edit Account Name dialog box.


Deleting an Account
-------------------
1. From the Main Menu, choose Administration / Bank Account
   Administration. You see the Bank Account Administration
   dialog box.
2. Select the account name in the listbox.
3. Choose the Delete Account button.
4. Choose OK at the Delete Account dialog box to confirm 
   the delete.

Changing the Account Order
--------------------------
1. From the Main Menu, choose Administration / Bank 
   Account Administration. You see the Bank Account 
   Administration dialog box.
2. Select the account name in the listbox.
3. Choose either the Move Up in List or Move Down in 
   List buttons to change the account order. 

Order your accounts alphabetically or by the oldest 
child first.


Backing Up Your Data File
-------------------------
All data for Cash for Kids is stored in the file 
KIDSDATA.CFK. You can back this up with your normal
backup procedure. Otherwise, copy this file to a 
diskette periodically.


Cash for Kids Files
-------------------
CFK.EXE         Executable program file
CFK.HLP         Help file
KIDSDATA.CFK    Data file
INSTALL.EXE     Installation program file
README.TXT      Last minute document changes.
MANUAL.TXT      This document.

All files are installed on your hard disk with the 
exception of INSTALL.EXE.
