Continuum AdvancedFunds Overview :

This is the Advanced Funds screen in Continuum. Here you are free to view,
create, edit, and delete Funds in any way which Continuum allows. The list
on the left shows all Funds contained in the continuum. Clicking on one of
them will display its details in the editor shown on the right. You can
then edit that fund, delete the fund, or create a new fund.
Fund Classifications :
Spending Accounts - These accounts basically act as your own 'clearinghouse' such as checking
account. These funds are high traffic, and hard to classify and quantify since they are
typically used for discretionary spending and paying bills. In continuum, these spending
accounts do not count toward value or debt totals. They are used for calculating 'waste'.
Waste is unaccounted, discretionary spending. So in continuum spending accounts
typically rise over time that is not accurate to real life balances and so they are
relegated to calculation of this waste.
Savings - As in real life, these accounts are interest accruing. In continuum, the interest
accurual is done with a paired actor which performs the interest accrual. Aside from that
difference, savings accounts -are- quantifyable since they are lower traffic and their
balance is implicit 'value'. So savings accounts in continuum do count toward value and
do affect your overall Projected Index.
Debt - These accounts are loans such as auto loans, where you pay an interest rate to
finance a loan. You make payments for a specific loan duration, pay interest, and
eventually pay off. For the purposes of continuum, these funds add no value. When you
pay off an auto loan you probably will have value but these assets are hard to quantify
depreciation values, etc.
Debt Equity - Similar to debt accounts, however the more you pay down a mortgage, the more
value (equity) you are credited with. These funds affect total debt, total equity, total
value, and your projected index. Currently, at least, continuum does not support the
concept of appraisal value, so value is determined according to loan amount. Any attempt
to adjust this to current market values should be done with another fund used to
counterbalance those effects (such as a fund of type savings).
Fund flags/designations :
Benchmark Fund - This designation means the fund is conceptual and is not included in any
totaling or projected index. Usually funds with benchmark designations are for
comparative purposed only. If you intend to pay off a loan early you might add a
benchmark fund for the same loan to compare to.
Hide fund from graphs - This designation on a fund will hide it from the activity graph
yet still include it in totals (unless it is also a benchmark fund). For example, once
you have observed the waste growth of a spending account you might want to hide it from
the Activity Graph.