 WELCOME TO CHECK RECORDS AND FINANCIAL OPERATIONS SUMMARY --  CHXOPS  .CAL


                                ABSTRACT 
           This  set  of files enables one to keep a combined
        MONTHLY CHECK RECORD and a  FINANCIAL OPERATING SUMMARY 
      simultaneously whenever any bank transactions are  entered.  
The logic of this program can be learned by just studying the worksheet
which was developed using SuperCalc {SC}.  (SuperCalc is required unless
  the worksheet is rewritten to another format such as Lotus l 2 3).  

                         Each month's check record 
         need only be calculated when your Bank Statement arrives.
      When overdrafts are a consideration, the program can be loaded 
               and recalculated as many times as you choose.   

                A PROJECTION file, in addition to this set
                 is designed to Load (combine) portions of 
          FINANCIAL OPERATING data with estimated future changes
         to enable you to forecast upcoming financial situations.

                         PRINTING THE REPORTS
         Compressed print may be used for the combined report
         `MONTHLY CHECK RECORD & FINANCIAL OPERATING SUMMARY' 
               on 8 1/2 * 11"  paper.  Portions may also be 
                 printed separately using normal print. 



ASSUMPTIONS:
1) SuperCalc  (SC) is being used.
2) User has at least a little familiarity with SC commands.
3) when in doubt, the `/?' command can be used to show command options.
4) User knows `/X' can execute files with extensions other than `.XQT'

CONSTRAINTS:
A.  `/Global,Manual' should remain activated.  Otherwise, both 
    time, and accurate results will be sacrificed by automatic recalculation
    after each entry.   
B.  The toggle `/GNext' must be in the OFF mode.  The automatic cursor
    advancement after each entry, can move it to the wrong place.
C.  Certain transient data cells should be left unprotected, unless they
    contain repeatable material for next month's worksheet file.

                               TO BEGIN:
         For orientation, either load the file named "CHXOPSOV.CAL" 
         or "CHXOPS.CAL" and then /Xecute "OV01.TUT" or "OVEX.TUT"
                  for a general overview of the worksheet.

     For a list of tutorials to lead you through the various procedures,
                            /Xecute "CHKLST.TUT"

                              Glen Stinnett      
                         2124O Canyon View Drive
                           Saratoga, CA 95O7O     
		         Phone: (4O8) 867-O972
                2124O Canyon View Drive
            