# Copyright 2009 Uwe Hollerbach # # This file is part of umm, Uwe's Money Manager. # # $Id: sample1.dat,v 1.4 2009/11/09 23:07:22 uwe Exp $ # Sample ledger file: a small investment club with 6 people, # investing 50 dollars each twice per month # NAMES AND VALUES OF SECURITIES ARE TOTALLY FAKE AND MADE UP todo 2009-10-15 Search for "run" in the ledger file, then run each command todo 2009-10-15 as indicated, and follow along with the numbers. The club todo 2009-10-15 doesn't begin until 2150, so you'll see all [empty] here! ################################################################ # actual ledger begins here # The format of the club will be: # # 1) at each meeting, we determine the value of a share, # initially 50 US$ # # 2) from cash, we put money into each member's account, # then transfer that cash into the club account # then transfer the appropriate number of shares back to each member # # 3) the club account will therefore contain cash and/or securities # and a negative number of club shares: its net value will always # equal 0, which determines the value of a share; # member accounts will contain increasing numbers of club shares # and temporarily # # 4) periodically, the club invests, turning cash in the club account # into securities ccs US$ "The Almighty Buck" income cash income interest expense cash # This is the source of contribution cash. This is slightly convoluted, # we're doing it this way to easily track the total contributions over # time. If desired, we could have an individual contributions account for # each member, cont-Al, cont-Barb, etc, but that would be even worse. # With macros, this would be a lot easier: a one-line macro could expand # to several transactions. account contributions 2150-1-1 "The source of contributions" account Al 2150-1-1 "Alfred the Butler" account Barb 2150-1-1 "Barbarella, Queen of the Galaxy" account Chas 2150-1-1 "Karolus Magnus, Imperator Romanorum et Rex Francorum" account Deb 2150-1-1 "Debutante Smashingella" account Ed 2150-1-1 "AEthelraed the Unready" account Frank 2150-1-1 "Dr Frank N Furter" account club 2150-1-1 "Le Club d'Investment" ccs share "A share of Le Club" # Exclude contributions from this so that we see just the value of # the club as a whole and of each member's shares, not also the # contributions. group all Al Barb Chas Deb Ed Frank club # meeting 1 xfer 2150-1-1 contributions Al 50 xfer 2150-1-1 Al club 50 xfer 2150-1-1 club Al 1 share xfer 2150-1-1 contributions Barb 50 xfer 2150-1-1 Barb club 50 xfer 2150-1-1 club Barb 1 share xfer 2150-1-1 contributions Chas 50 xfer 2150-1-1 Chas club 50 xfer 2150-1-1 club Chas 1 share xfer 2150-1-1 contributions Deb 50 xfer 2150-1-1 Deb club 50 xfer 2150-1-1 club Deb 1 share xfer 2150-1-1 contributions Ed 50 xfer 2150-1-1 Ed club 50 xfer 2150-1-1 club Ed 1 share xfer 2150-1-1 contributions Frank 50 xfer 2150-1-1 Frank club 50 xfer 2150-1-1 club Frank 1 share # run "umm sample1.dat bal 2150-1-14" # to find that share price is 300/6 = 50 # meeting 2 xfer 2150-1-15 contributions Al 50 xfer 2150-1-15 Al club 50 xfer 2150-1-15 club Al 1 share xfer 2150-1-15 contributions Barb 50 xfer 2150-1-15 Barb club 50 xfer 2150-1-15 club Barb 1 share xfer 2150-1-15 contributions Chas 50 xfer 2150-1-15 Chas club 50 xfer 2150-1-15 club Chas 1 share xfer 2150-1-15 contributions Deb 50 xfer 2150-1-15 Deb club 50 xfer 2150-1-15 club Deb 1 share xfer 2150-1-15 contributions Ed 50 xfer 2150-1-15 Ed club 50 xfer 2150-1-15 club Ed 1 share xfer 2150-1-15 contributions Frank 50 xfer 2150-1-15 Frank club 50 xfer 2150-1-15 club Frank 1 share xfer 2150-1-30 interest club 3 # run "umm sample1.dat bal 2150-1-30" # to find that share price is 603/12 = 50.25, # so each member buys $50/$50.25 = 0.995025... shares # meeting 3 xfer 2150-2-1 contributions Al 50 xfer 2150-2-1 Al club 50 xfer 2150-2-1 club Al 0.995025 share xfer 2150-2-1 contributions Barb 50 xfer 2150-2-1 Barb club 50 xfer 2150-2-1 club Barb 0.995025 share xfer 2150-2-1 contributions Chas 50 xfer 2150-2-1 Chas club 50 xfer 2150-2-1 club Chas 0.995025 share xfer 2150-2-1 contributions Deb 50 xfer 2150-2-1 Deb club 50 xfer 2150-2-1 club Deb 0.995025 share xfer 2150-2-1 contributions Ed 50 xfer 2150-2-1 Ed club 50 xfer 2150-2-1 club Ed 0.995025 share xfer 2150-2-1 contributions Frank 50 xfer 2150-2-1 Frank club 50 xfer 2150-2-1 club Frank 0.995025 share # run "umm sample1.dat bal 2150-2-14" # to find that share price is 903/17.97015 # so each member still buys 0.995025... shares # but AEthelraed doesn't contribute, # and Frank can only afford $40 this time # meeting 4 xfer 2150-2-15 contributions Al 50 xfer 2150-2-15 Al club 50 xfer 2150-2-15 club Al 0.995025 share xfer 2150-2-15 contributions Barb 50 xfer 2150-2-15 Barb club 50 xfer 2150-2-15 club Barb 0.995025 share xfer 2150-2-15 contributions Chas 50 xfer 2150-2-15 Chas club 50 xfer 2150-2-15 club Chas 0.995025 share xfer 2150-2-15 contributions Deb 50 xfer 2150-2-15 Deb club 50 xfer 2150-2-15 club Deb 0.995025 share todo 2150-2-15 AEthelraed misses, Frank partial! xfer 2150-2-15 contributions Frank 40 xfer 2150-2-15 Frank club 40 xfer 2150-2-15 club Frank 0.79602 share xfer 2150-2-28 interest club 6 # run "umm sample1.dat bal 2150-2-28" # to find that share price is 1149/22.74627 = 50.513777 # so each member buys $50/$50.513777 = 0.989829... shares # meeting 5 xfer 2150-3-1 contributions Al 50 xfer 2150-3-1 Al club 50 xfer 2150-3-1 club Al 0.989829 share xfer 2150-3-1 contributions Barb 50 xfer 2150-3-1 Barb club 50 xfer 2150-3-1 club Barb 0.989829 share xfer 2150-3-1 contributions Chas 50 xfer 2150-3-1 Chas club 50 xfer 2150-3-1 club Chas 0.989829 share xfer 2150-3-1 contributions Deb 50 xfer 2150-3-1 Deb club 50 xfer 2150-3-1 club Deb 0.989829 share xfer 2150-3-1 contributions Ed 50 xfer 2150-3-1 Ed club 50 xfer 2150-3-1 club Ed 0.989829 share xfer 2150-3-1 contributions Frank 50 xfer 2150-3-1 Frank club 50 xfer 2150-3-1 club Frank 0.989829 share # members determine to buy shares in Insatiable Enterprises, # which is currently trading about $44 per share; # transaction gets executed a couple of days later ccs IE "Insatiable Enterprises" xfer 2150-3-4 club cash 9 "commission to broker" buy 2150-3-4 club 32 IE 1415.36 "bought shares at 44.23" # IE has gone down slightly by next meeting price 2150-3-14 IE 43.95 # run "umm sample1.dat bal 2150-3-14" # to find that club owns 32 shares of IE worth $1406.40, plus $24.64 # against 28.685244 shares outstanding: each share is worth $49.887670 # so each member buys 1.002252 shares # meeting 6 xfer 2150-3-15 contributions Al 50 xfer 2150-3-15 Al club 50 xfer 2150-3-15 club Al 1.002252 share xfer 2150-3-15 contributions Barb 50 xfer 2150-3-15 Barb club 50 xfer 2150-3-15 club Barb 1.002252 share xfer 2150-3-15 contributions Chas 50 xfer 2150-3-15 Chas club 50 xfer 2150-3-15 club Chas 1.002252 share xfer 2150-3-15 contributions Deb 50 xfer 2150-3-15 Deb club 50 xfer 2150-3-15 club Deb 1.002252 share xfer 2150-3-15 contributions Ed 50 xfer 2150-3-15 Ed club 50 xfer 2150-3-15 club Ed 1.002252 share xfer 2150-3-15 contributions Frank 50 xfer 2150-3-15 Frank club 50 xfer 2150-3-15 club Frank 1.002252 share # uh-oh, IE might not have been a good buy! price 2150-3-30 IE 38.11 xfer 2150-3-30 interest club 1.62 # run "umm sample1.dat bal 2150-3-30" # to find that club owns 32 shares of IE worth $1219.52, plus $326.26 # against 34.698756 shares outstanding: each share is worth $44.548571 # so each member buys 1.122370 shares # meeting 7 xfer 2150-4-1 contributions Al 50 xfer 2150-4-1 Al club 50 xfer 2150-4-1 club Al 1.122370 share xfer 2150-4-1 contributions Barb 50 xfer 2150-4-1 Barb club 50 xfer 2150-4-1 club Barb 1.122370 share xfer 2150-4-1 contributions Chas 50 xfer 2150-4-1 Chas club 50 xfer 2150-4-1 club Chas 1.122370 share xfer 2150-4-1 contributions Deb 50 xfer 2150-4-1 Deb club 50 xfer 2150-4-1 club Deb 1.122370 share xfer 2150-4-1 contributions Ed 50 xfer 2150-4-1 Ed club 50 xfer 2150-4-1 club Ed 1.122370 share xfer 2150-4-1 contributions Frank 50 xfer 2150-4-1 Frank club 50 xfer 2150-4-1 club Frank 1.122370 share # members still believe in IE, so decide to buy more xfer 2150-4-4 club cash 9 "commission to broker" buy 2150-4-4 club 16 IE 607.20 "bought shares at 37.95" # IE has recovered a little bit price 2150-4-14 IE 39.50 # run "umm sample1.dat bal 2150-4-14" # to find that club owns 48 shares of IE worth $1896.00, plus $10.06 # against 41.432976 shares outstanding: each share is worth $46.003454 # so each member buys 1.086875 shares # meeting 8 xfer 2150-4-15 contributions Al 50 xfer 2150-4-15 Al club 50 xfer 2150-4-15 club Al 1.086875 share xfer 2150-4-15 contributions Barb 50 xfer 2150-4-15 Barb club 50 xfer 2150-4-15 club Barb 1.086875 share xfer 2150-4-15 contributions Chas 50 xfer 2150-4-15 Chas club 50 xfer 2150-4-15 club Chas 1.086875 share xfer 2150-4-15 contributions Deb 50 xfer 2150-4-15 Deb club 50 xfer 2150-4-15 club Deb 1.086875 share xfer 2150-4-15 contributions Ed 50 xfer 2150-4-15 Ed club 50 xfer 2150-4-15 club Ed 1.086875 share xfer 2150-4-15 contributions Frank 50 xfer 2150-4-15 Frank club 50 xfer 2150-4-15 club Frank 1.086875 share # IE goes up very nicely! price 2150-4-30 IE 51.43 xfer 2150-4-30 interest club 1.54 # run "umm sample1.dat bal 2150-4-30" # to find that club owns 48 shares of IE worth $2468.64, plus $311.60 # against 47.954226 shares outstanding: each share is worth $57.976955 # so each member buys 0.862412 shares... but AEthelraed misses again # meeting 9 xfer 2150-5-1 contributions Al 50 xfer 2150-5-1 Al club 50 xfer 2150-5-1 club Al 0.862412 share xfer 2150-5-1 contributions Barb 50 xfer 2150-5-1 Barb club 50 xfer 2150-5-1 club Barb 0.862412 share xfer 2150-5-1 contributions Chas 50 xfer 2150-5-1 Chas club 50 xfer 2150-5-1 club Chas 0.862412 share xfer 2150-5-1 contributions Deb 50 xfer 2150-5-1 Deb club 50 xfer 2150-5-1 club Deb 0.862412 share todo 2150-5-1 AEthelraed misses! xfer 2150-5-1 contributions Frank 50 xfer 2150-5-1 Frank club 50 xfer 2150-5-1 club Frank 0.862412 share # And so on and on and on... make up your own numbers from here on!