<?xml version="1.0" encoding="UTF-8"?>
<chapter id="details.accounts">
<chapterinfo>
  <authorgroup>
    <author
>&Michael.T.Edwardes; &Michael.T.Edwardes.mail; </author>
    <author
>&Roger.Lum; &Roger.Lum.mail; </author>
  </authorgroup>
  <date
>2011-07-21</date>
  <releaseinfo
>4.6</releaseinfo>
</chapterinfo>
  
<title
>Rekeningen</title>

<sect1 id="details.accounts.view">
<title
>De weergave van rekeningen</title>

<para
>De rekeningweergave biedt een samenvatting van alle rekeningen. Er zijn vier verschillende categorieën rekeningen: Vermogen, Schulden, Inkomen en Uitgaven. Typische vermogensrekeningen omvatten bankrekeningen, kasgeld en investeringen, terwijl typische creditrekeningen creditcards en leningen zijn. </para>

<para
>There are two ways to view the accounts: List or Icon view, which may be selected by clicking on the appropriate tab at the top of the view. </para>

<para
>In the List view, the accounts are grouped under four headings: Asset, Liability, Income, and Expense. List view shows the name and balance or value of each account. Income and Expense list the categories that each transaction is filed under, and provide similar functionality to the Categories screen. The options and features involving Income and Expense accounts are described in detail in the <link linkend="details.categories"
>Categories</link
> chapter. The rest of this chapter will focus on Asset and Liability account functionality. </para>

<para
>In the Icon view, the Asset and Liability accounts are shown with icons indicating the account type. &kappname; initially places the icons alphabetically, but you can move the icons to any position you want, just by dragging the icon with the mouse. Note, however, that just moving an icon does not currently trigger &kappname; to think that any data has been changed. This means that you need to make some other change, such as editing an account or a transaction and saying OK (even without actually changing any data) so &kappname; allows you to save the file. The saved file will include the new icon positions. </para>
</sect1>

<sect1 id="details.accounts.create">
<title
>Een rekening aanmaken</title>

<para>
  <emphasis
>OPMERKING: U moet een bestand openen voordat u een nieuwe rekening kunt openen. Als u geen bestaand bestand hebt, dan is het nodig om een <link linkend="firsttime.3"
>nieuw bestand</link
> aan te maken. </emphasis>
</para>

<para
>To create a new account, you can either select <menuchoice
><guimenu
>Account</guimenu
><guimenuitem
>New account...</guimenuitem
></menuchoice
> from the menu or choose the <guiicon
><inlinemediaobject
><imageobject
><imagedata fileref="newacct.png" format="PNG"/></imageobject
><textobject
> <phrase
>New</phrase
></textobject
></inlinemediaobject
></guiicon
> icon from the toolbar. </para>

<para
>Alternatively, to create an account using the accounts view, click on the Accounts icon in the view selector and then right click on the Asset tree icon in the right hand view and select <guimenuitem
>New account...</guimenuitem
> from the popup menu. The Asset tree holds all of your accounts that are an asset. Assets, and all the other account types, are discussed in more detail later in this manual. </para>

<sect2 id="details.accounts.create.institution">
<title
>De naam van de bank</title>

<para>
  <screenshot>
    <mediaobject>
      <imageobject>
        <imagedata fileref="accwiz1.png" format="PNG"/>
      </imageobject>
      <textobject>
        <phrase
>Accountassistent</phrase>
      </textobject>
    </mediaobject>
  </screenshot>
</para>

<para
>The first step involves selecting an institution for the account. If this is an account for an institution you have already created, you can select the institution from the dropdown list. If you want to create a new institution, click on the <guibutton
>New Institution</guibutton
> button. This will bring up the New Institution Dialog, as described in the previous section. If this is not a bank account, or if you do not want to use online banking, you do not need to specify an institution. </para>

<para
>The Account Number and the <acronym
><ulink url="http://en.wikipedia.org/wiki/International_Bank_Account_Number"
>IBAN (International Bank Account Number)</ulink
></acronym
> are not currently used by &kappname;. These fields may be left blank and filled in at a later time; they are only required for online banking. </para>

<para
>Om door te gaan naar de volgende stap klikt u op <guibutton
>Volgende</guibutton
>. </para>
</sect2>

<sect2 id="details.accounts.create.account">
<title
>Rekening</title>

<para>
  <screenshot>
          <mediaobject>
            <imageobject>
              <imagedata fileref="accwiz2.png" format="PNG"/>
            </imageobject>
            <textobject>
              <phrase
>Accountassistent</phrase>
            </textobject>
          </mediaobject>
  </screenshot>
</para>

<para
>This page is used to configure the type of account. </para>

<para
>First, enter a name for the account. This name will be used to identify it. </para>

<para
>Next, select the type of account from one of the types available from the dropdown list: </para>

<variablelist>
  <varlistentry>
    <term
>Betaalrekening</term>
    <listitem>
      <para
>Een normale betaalrekening, het type dat u bij elke bank kan krijgen. </para>
    </listitem>
  </varlistentry>

  <varlistentry>
    <term
>Spaarrekening</term>
    <listitem>
      <para
>Een normale spaarrekening, het type dat u bij elke bank kan krijgen. </para>
    </listitem>
  </varlistentry>

  <varlistentry>
    <term
>Creditcard</term>
    <listitem>
      <para
>Een rekening behorend bij een creditcard </para>
    </listitem>
  </varlistentry>

  <varlistentry>
    <term
>Kasrekening</term>
    <listitem>
      <para
>A general purpose account, typically used for accounts not held at a bank, such as the cash in your wallet. </para>
    </listitem>
  </varlistentry>

  <varlistentry>
    <term
>Lening</term>
    <listitem>
      <para
>An account to manage a loan for money either borrowed or lent. With a Loan account &kappname; automatically calculates interest payments to help you track the remaining principal on the loan. Loans with no interest might use the plain Asset or Liability type below, depending on whether the money is lent or borrowed. </para>
    </listitem>
  </varlistentry>

  <varlistentry>
    <term
>Investering</term>
    <listitem>
      <para
>An account to manage an investment such as stocks or investment funds. </para>
    </listitem>
  </varlistentry>

  <varlistentry>
    <term
>Vermogen</term>
    <listitem>
      <para
>An account to manage an asset that does not fit in one of the above types. </para>
    </listitem>
  </varlistentry>

  <varlistentry>
    <term
>Verplichtingen</term>
    <listitem>
      <para
>An account to manage a liability such as money you borrowed or a future expense. If interest needs to be calculated, you might be better using the Loan type above. </para>
    </listitem>
  </varlistentry>
</variablelist>

<para
>Select the currency to be used for the account from the dropdown list. </para>

<para
>Enter the date the account was opened or select it from the calendar using the icon to the right. </para>

<para
>Enter the opening balance for the account. If this is an existing bank account this information can be found on your statement. If it is a new account, the opening balance can be left at zero. </para>

<para
>Selecting the <emphasis
>Preferred Account</emphasis
> check box will allow preferred access in some dialogs and views of &kappname;. </para>

<para
>To proceed to the next step click on Next. </para>
</sect2>

<sect2>
<title
>Credit Card Accounts</title>

<para
>When creating a Credit Card account, you can optionally have &kappname; create a <link linkend="details.schedules"
>scheduled transaction</link
> for you. </para>

<para>
  <screenshot>
            <mediaobject>
              <imageobject>
                <imagedata fileref="accwiz6.png" format="PNG"/>
              </imageobject>

              <textobject>
                <phrase
>Accountassistent</phrase>
              </textobject>
            </mediaobject>
  </screenshot>
</para>

<para
>If you want such a transaction generated, make sure the tick box is checked and enter the required information. </para>

<para
>Click on <guibutton
>Next</guibutton
> to continue. </para>
</sect2>

<sect2>
<title
>Investment Accounts</title>

<para
>For Investment accounts, you have the option to create an associated Brokerage account. For more information see <link linkend="details.investments"
>Investments</link
> </para>

<para>
  <screenshot>
            <mediaobject>
              <imageobject>
                <imagedata fileref="accwiz7.png" format="PNG"/>
              </imageobject>

              <textobject>
                <phrase
>Accountassistent</phrase>
              </textobject>
            </mediaobject>
  </screenshot>
</para>
</sect2>

<sect2>
<title
>Loan Accounts</title>

<para
>Loan accounts are special accounts used to help you manage Loans with interest and scheduled repayments. By providing &kappname; with information about the loan, &kappname; can help you track interest payments and the remaining principal of the loan. </para>

<para>
  <screenshot>
            <mediaobject>
              <imageobject>
                <imagedata fileref="accwiz8_1.png" format="PNG"/>
              </imageobject>

              <textobject>
                <phrase
>Accountassistent</phrase>
              </textobject>
            </mediaobject>
  </screenshot>
</para>
	
<para
>On the Details page you enter the general information about the loan. </para>

<para
>First, select whether you are borrowing or lending money. If you are borrowing money the loan will be listed in Accounts under Liabilities. If you are lending money the loan will be listed under Assets. </para>
	
<para
>Next, select the payee or payer of the loan. As always, if the name doesn't yet exist in the Payees list, enter it here and &kappname; will create it for you. </para>

<para
>The next three items are for handling Loans on which you've already made payments. If you select Yes in the "Have you made/received any payments yet?" item you can then select whether you want to record all payments or just those from the beginning of the current year. If you want to record from the beginning of the current year, you are than asked to input the current balance. </para>
	
<para
>Then, select how often payments will be made and how often interest is compounded. Compounding is where the interest is added to the amount owed on the loan so that when the interest is next calculated there will be more interest paid on the interest. It's common for interest to be compounded at the same frequency that payments are made. </para>

<para
>Next, enter the date the first recorded payment will be made. </para>
	
<para
>Finally, enter information about how the interest rate varies. If the loan is fixed-rate there is nothing to do. If the rate varies, select Variable in "Type of interest rate" and then enter the interval between interest rate changes and the date the first change of interest rate is due: &kappname; will ask you to update the interest rate when that date arrives. </para>
	
<para>
  <screenshot>
            <mediaobject>
              <imageobject>
                <imagedata fileref="accwiz8_2.png" format="PNG"/>
              </imageobject>

              <textobject>
                <phrase
>Accountassistent</phrase>
              </textobject>
            </mediaobject>
  </screenshot>
</para>
  
<para
>The Payments page is where you enter the payment and interest values for the loan. </para>

<para
>First, select whether the interest rate is calculated when the payment is received or when it becomes due. If you don't know, leave it on the default value. </para>

<para
>Next, enter the following values: </para>

<variablelist>
  <varlistentry>
    <term
>Bedrag van de lening</term>
    <listitem>
      <para
>The amount of the loan.</para>
    </listitem>
  </varlistentry>

  <varlistentry>
    <term
>Rentepercentage</term>
    <listitem>
      <para
>The annual percentage interest rate of the loan.</para>
    </listitem>
  </varlistentry>

  <varlistentry>
    <term
>Looptijd</term>
    <listitem>
      <para
>The length of the loan. Enter a number and select either Months or Years. </para>
    </listitem>
  </varlistentry>

  <varlistentry>
    <term
>Betaling (Aflossing en rente)</term>
    <listitem>
      <para
>The amount paid for each loan payment. This is the total of the principal and interest paid with each payment. </para>
    </listitem>
  </varlistentry>

  <varlistentry>
    <term
>Laatste betaling</term>
    <listitem>
      <para
>Additional final payment made at the end of the term to pay off the remaining principal of the loan. For a repayment loan this is often zero. For an interest-only loan this will be the same as the loan amount. </para>
    </listitem>
  </varlistentry>
</variablelist>

<para
>Finally, use the <guibutton
>Calculate</guibutton
> button to check the values you have entered. You must have entered either all or all but one of the values listed above. If you omit two or more values the button is disabled because it is not possible to check that the entered values are consistent: in that case you will not be able to use the Loan account facility in &kappname; and will instead have to use a Liability or Asset account to track the loan manually. </para>
	
<para
>If you omit one value &kappname; will try to calculate it for you. If you have entered all values &kappname; will check the values are consistent. &kappname; will not adjust entered values other than the "Balloon payment", which it may adjust slightly to deal with rounding. If the values are inconsistent or &kappname; cannot calculate the omitted value &kappname; will let you know so that you can correct any errors and repeat the calculation. </para>
	
<para
>Once the values are consistent the <guibutton
>Next</guibutton
> button is enabled and you can advance to the next page. </para>
	
<para>
  <screenshot>
            <mediaobject>
              <imageobject>
                <imagedata fileref="accwiz8_3.png" format="PNG"/>
              </imageobject>

              <textobject>
                <phrase
>Accountassistent</phrase>
              </textobject>
            </mediaobject>
  </screenshot>
</para>
	 
<para
>The Fees page is where you can enter any fees added to the loan payments. </para>
	
<para
>If there are any fees press the <guibutton
>Additional Fees</guibutton
> button. The Transaction Split editor will be displayed for entry of the fees. Any lines added here will be included in the payment schedule for the loan. When you save the splits the Fees page will display the principal and interest payment, the total additional fees and the total periodic payment. </para>
	
<para>
  <screenshot>
            <mediaobject>
              <imageobject>
                <imagedata fileref="accwiz8_4.png" format="PNG"/>
              </imageobject>

              <textobject>
                <phrase
>Accountassistent</phrase>
              </textobject>
            </mediaobject>
  </screenshot>
</para>
	  
<para
>&kappname; will create a <link linkend="details.schedules"
>scheduled transaction</link
> for your loan. The Schedule page is where you enter the remaining details needed to create the schedule. </para>
	
<para
>First enter the Category to which loan interest will be assigned. Then enter the account from which the loan payment will be made. </para>
	
<para
>The page also displays the first payment date for which the Schedule will be created. </para>
	
<para>
  <screenshot>
            <mediaobject>
              <imageobject>
                <imagedata fileref="accwiz8_5.png" format="PNG"/>
              </imageobject>

              <textobject>
                <phrase
>Accountassistent</phrase>
              </textobject>
            </mediaobject>
  </screenshot>
</para>

<para
>Optionally, &kappname; can create a transaction representing what was received or paid when the loan was created. </para>
	
<para
>If you borrowed or lent cash select the account from which or to which the loan amount was paid. </para>
	
<para
>If you borrowed money to purchase a car you can select or create an Asset account to help you track the value of the new car. </para>
	
<para
>If you re-financed an existing Loan check the "Refinance existing loan" check box, select the Loan account and &kappname; will create a transfer transaction paying off the existing loan. </para>
	
<para
>If you don't want to create the payout transaction, check the "Do not create transaction" check box. </para>
</sect2>

<sect2 id="details.accounts.create.parent">
<title
>Moeder rekening</title>

<para>
  <screenshot>
	<screeninfo
>Moeder rekening</screeninfo>
	<mediaobject>
	  <imageobject>
            <imagedata fileref="accwiz10.png" format="PNG"/>
	  </imageobject>
	  <textobject>
	    <phrase
>Accountassistent</phrase>
	  </textobject>
	</mediaobject>
  </screenshot>
</para>

<para
>This is the penultimate step in creating a new account. A tree of accounts is displayed. The tree will be of your Asset or Liability accounts, depending on the type of account that is being created. </para>

<para
>Select the account you wish contain the new account. If you do not select a parent account, the new account will be created at the top level. </para>

<para
>The Parent Account page is not currently shown for Loans because they cannot be created as subaccounts. Also, Investment accounts cannot contain other accounts so they are not shown in the tree. </para>
</sect2>

<sect2>
<title
>Review and save the account details</title>

<para>
  <screenshot>
          <screeninfo
>Nalezen</screeninfo>
          <mediaobject>
            <imageobject>
              <imagedata fileref="accwiz9.png" format="PNG"/>
            </imageobject>
            <textobject>
              <phrase
>Accountassistent</phrase>
            </textobject>
          </mediaobject>
  </screenshot>
</para>

<para
>This is the final step in creating a new account. A summary of the information entered is displayed. Review it, and if everything is OK press the Finish button. Otherwise, either press the <guibutton
>Back</guibutton
> button to make corrections or the Cancel button to abandon creating a new account. </para>

<para
>NOTE: The Type and Currency cannot at present be changed after the account is created. </para>
</sect2>
</sect1>

<sect1 id="details.accounts.viewing">
<title
>Opening / viewing accounts</title>

<para
>To open an account in the Ledger view you can either click on the link to the account from the Home view, or click on the <guiicon
><inlinemediaobject
> <imageobject
> <imagedata fileref="ledgers_view.png"/> </imageobject
> </inlinemediaobject
>Ledgers</guiicon
> icon in the view selector and select the account in the drop down box at the top of the view. Alternatively, in the <guiicon
>Account</guiicon
> view, either double-click the account entry or right click and select <guimenuitem
>Open ledger</guimenuitem
>. </para>
</sect1>

<sect1 id="details.accounts.edit">
<title
>Editing Account Information</title>

<para
>To edit a particular account, right-click that account and choose <menuchoice
><guimenuitem
>Edit account...</guimenuitem
></menuchoice
> or with that account open in the ledger, select <menuchoice
><guimenu
>Account</guimenu
><guimenuitem
>Edit Account...</guimenuitem
></menuchoice
>. A window will pop-up with several tabs, each allowing you to view and change certain information about the account. For more information on any of these details, see the section on <link linkend="details.accounts.create"
>creating a new account</link
>. </para>

<para>
  <screenshot>
        <screeninfo
>Edit an account</screeninfo>

        <mediaobject>
          <imageobject>
            <imagedata fileref="account_edit.png" format="PNG"/>
          </imageobject>

          <textobject>
            <phrase
>Edit account information</phrase>
          </textobject>
        </mediaobject>
  </screenshot>
</para>

<formalpara
><title
>General</title>
<para
>View the general information about the account, and change the name, start or opening date, as well as some of the other basic settings of the account. </para>
</formalpara>

<formalpara
><title
>Institution</title>
<para
>View and change the associated banking institution and account numbers. You can also create a new institution here. </para>
</formalpara>

<formalpara
><title
>Hierarchy</title>
<para
>You can change the parent account by clicking on another parent account in this view of the account hierarchy. </para>
</formalpara>

<formalpara
><title
>Grenzen</title>
<para
>This tab is only present for asset and liability accounts. If you enter amounts in the available fields, &kappname; will warn you when the account balance reaches those values. </para>
</formalpara>

<formalpara
><title
>Belasting</title>
<para
>Here you can check whether this is a VAT account, and whether to include this account on tax reports. </para>
</formalpara>

<formalpara
><title
>Online Settings</title>
<para
>This tab is only be present if the account has been mapped to an <link linkend="details.impexp.ofxdirectconnect"
>online account</link
>. It has three subtabs. </para>
</formalpara>

<itemizedlist>
<listitem>
<para
><emphasis
>Account Details</emphasis
> This shows the status of the online connection, the bank/broker and account number, and allows you to store or change the password for the online account. </para>
</listitem>

<listitem>
<para
><emphasis
>OFX Details</emphasis
> Here you can adjust certain details &kappname; uses when it establishes an OFX connection with the institution. This should only be necessary if you get certain errors when you first set up the online account, or perhaps if your institution changes its OFX server software. </para>
</listitem>

<listitem>
<para
><emphasis
>Import Details</emphasis
> Here you can tell &kappname; what to use as the start date for the import. In addition, starting with version 4.6, you can choose whether the payee's name is based on the PAYEEID, NAME, or MEMO field of the imported transaction. </para>
</listitem>
</itemizedlist>
</sect1>

<sect1 id="details.accounts.delete">
<title
>Deleting accounts</title>

<para
>To delete an account, first remove all the transactions from that account in the ledger. Next, find the account in the accounts view and after right clicking on the entry to show the popup menu select <guimenuitem
>Delete account...</guimenuitem
> from the popup menu. </para>

<para
>If you are unable to delete an account which looks like it has no transactions in it, check your filter. See <menuchoice
> <guimenu
>Settings</guimenu
> <guimenuitem
>Configure &kappname;</guimenuitem
> <guimenuitem
>General</guimenuitem
> <guimenuitem
>Filter</guimenuitem
> </menuchoice
>. Clear all filters. Set the start date to 1.1.1900 or so. </para>

<para
>There may be transactions in your ledger that are not shown, for example, if you have inadvertently typed in the wrong year when making an entry so that an entry remains outside the opening date of &kappname;. This appears beneath the ledger page as remaining funds. </para>
</sect1>
</chapter>
