Motley Fool design memo

Lynn Anderson

6 May 2002

David and Tom Gardner: The Motley Fool Personal Finance Workbook:

Your Foolproof Guide to Organizing Cash and Building Wealth

FINAL DESIGN MEMO

Note 1: This is a very complicated manuscript with many tables, boxes, and worksheets, most of which will have to be designed individually.

Note 2: As I finished going through the manuscript, and as I reread it, I added some elements and changed my mind about others, which appeared to be the same elements although typed differently from one chapter to the next. All additions, deletions, and corrections are indicated in RED and boldface.

Note 3: There are some TKs (I have flagged them): pp. vi (Acknowledgments), vii (Dedication), 61 (chart), 273 (table), 306 (table)

Note 4: There are some notes to "production" (i.e., the designer) in the text (I have flagged them): pp. 38, 72, 79, 96, 254, 256, 370

Ad Card

ACH (Ad card head): ii

AD (Ad card book titles): ii

Title Page

BT (Book title): iii

BST (Book subtitle): iii

AN (Author's name): iii

ASN (Additional author's name): iii

IM (Imprint): iii

IM2 (Imprint second line): iii

IM3 (Imprint third line): iii

Copyright Page

CR (Copyright body): iv

CRA (Copyright A head): v (but goes onto copyright page)

CRA1 (First paragraph of text): v

CRTX (Second paragraph of text): v

Dedication (TK)

DED (Dedication body): vii

Contents Page

FMH (Frontmatter head): 1

CFMH (Frontmatter and backmatter head entries): 1

CCT (Chapter title entry): 1

Frontmatter Section

FMH (Frontmatter head): vi (TK), 1a ~~(TK)~~

FMH1 (First paragraph after frontmatter head): vi (TK), 1a ~~(TK)~~

FMA: 1d, 1f

FMA1: 1d, 1f

TX (Text): 1a, 1d, 1f, 1g

Backmatter Section

BMH: 555

BMAA: 555

BMA (always followed by NPB, except 574): 557, 558, etc. (to 571), 574

BMA1: 555

TX: 555

Chapter Opener

CN (Chapter number): 1, 28, 55, etc.

CT (Chapter title): 1, 28, 55, etc.

Note that all CTs are followed by an AA; thus there is no CT1.

TX: 4, 30, 58, etc.

Subheads

Notes:

1. The authors have indicated certain heads as numbered heads. I don't see that the number is always necessary (see, e.g., pp. 145, 146, 237, 238, 239, 240, 300, 303) and have deleted it.

2. Heads of the same level are often formatted differently in the manuscript. This is particularly true of the A heads.

3. Every chapter has an AA head under the CT (although it is not in fact typed on pp. 2 and 540, it should be there).

4. Many of the subheads are typed initial cap only. I am marking them for c/lc except for B heads and QHs (question heads).

A (First-level subhead; c/lc): 3, 5, 6, 9, 10, 13, 14, 16, 17, 20, 21, 24, 25, 29, 31, 32, 33, 35, etc.

AA (First-level subhead directly under CT; c/lc): 2, 28, 55, etc.

A1 (First paragraph following an A head): 2, 4, 5, 7, 9, 10, 13, 14, 16, 17, 20, 21, 25, 29, 31, 32,

33, 35, etc.

B (Second-level subhead; c/lc; sometimes numbered): 117, 123, 125, 133, 135, 139, 142, 144,

145, etc.

BB (Second-level subhead directly under A head): 188, 525 (A head added)

B1 (First paragraph following an B head): 117, 123, 125, 134, 135, 139, 142, 144, 145, etc.

C (Third-level head; c/lc; no number EXCEPT for p. 476): 32-4, 118, 124, 125, 140, 141, 145,

146, 476

C1 (First paragraph following a C head): 32-34, 124, 125, 140, 141, 145, 146, 476

D ("Sixty-Second Guide" subheads; these appear at the beginning of each chapter; initial cap

only): 2-3, 5-6 ("Discovery" subheads), 28-9, 55-57, etc.; also on pp. 196-8

D (First paragraph following a D head): 2-3, 5-6, 28-9, 55-7, etc.

E (Numbered head; initial cap): 75-6, 158

E1 (First paragraph following an E head): 75-6, 158

F (Fourth-level head; c/lc): 312, 313

QH (Question head; initial cap only, "Q" is followed by a colon): 20, 21, 83, 84, 86, 122, etc.

QH1 (First paragraph following a question head): 20, 21, 82, 83, 84, 86, 122, etc.

RUNA (First-level run-in head; c/lc or initial cap only) (NOTE: I decided to change almost all

of these to BPs and NPs; I think they were simply typed inconsistently from one chapter

to another): 85, ~~182,~~ 274, ~~282-4, 295-6, 314-15, 316-17, 329, 332, 334, 338~~

Prose Extracts

EXT: 245

EXT2 (I have marked to center these): 234 ("Invest early . . ."); 324, 326 ("Don't do it!");

507 ("No.")

Spacebreaks

SB (Spacebreak): 3, 29, 34, 115, 159, etc. (always after the "Sixty-Second Guide")

SB1 (First paragraph following a spacebreak): 3, 29, 34, 115 (drop the head "Insurance"), 159,

etc.

Lists

Notes:

1. Some lists have bold lead-ins, as on pp. 14-15, 49-50, 84, 91-2, 108-10, 136-7, 164, 192, etc. These are sometimes typed on a separate line, as on pp. 136-7, 287-8, 292-3, but I have run them in.

2. Some lists immediately follow a head, as on pp. 24, 91, 98, 102, 297, 299, etc.

3. Some lists are checklists and are preceded by short underscores, as on p. 157.

4. Some entries in the NPBs are more than one paragraph (pp. 68, 70-1, 248-54, 292, etc.).

5. I have changed the "checklists" on pp. 441-459 to BPs as I don't feel that they are really checklists.

LH: 170, 302, 330-1, 351 (added), 355, 356

NPLH (LH within NP): 330, 331

BLB (Bulleted list, first entry): 16, 79, 102, ~~118,~~ 141, 145, 149, etc.

BLM (Bulleted list, second entry): 16, 79, ~~118,~~ 141, 145, 149, etc.

BLE (Bulleted list, last entry): 17, 79, 102, ~~118,~~ 142, 145, 149, etc.

BLEX (Extract within bulleted list): 323

CLB (Checklist, first entry): 157, 351, 355, 356, 378-81, 391

CLM (Checklist, second entry): 157, 351, 355, 356, 378-81, 391

CLE (Checklist, last entry): 157, 355, 356, 358, 379-82, 393

(NOTE: The lists on pp. 441-459 are BPs, not CLs.)

2CLB (2-column list, first entry): 170, 302

2CLM (2-column list, second entry): 170, 302

2CLE (2-column list, last entry): 171, 302

NLB (Numbered list, first entry): 144, 420, 424, 537

NLM (Numbered list, second entry): 420, 537

NLE (Numbered list, last entry): 144, 420, 424, 538

UL (Unnumbered list, only entry): 11, 12 ("List five uses . . ."; followed by NUSB); 541 (the

quotes)

ULB (Unnumbered list, first entry): 65, 245, 397, 401

ULM (Unnumbered list, second entry): 65, 245, 397, 401

ULE (Unnumbered list, last entry): 65, 245, 397, 398, 401

BPB (Bulleted paragraph, first entry): 1f, 37, 61, 84, 88, 98, 102, 118, 124, 136, 143, 164, etc.

BPM (Bulleted paragraph, second entry): 37, 61, 88, 99, 102, 137, 143, 164, 300, etc.

BPE (Bulleted paragraph, last entry): 37, 61, 84, 88, 100, 102, 118, 124, 125, 137, 143, 164, 300,

etc.

BPTX (Second paragraph within BL): 88, 447

BPBLB (Bulleted list within BP, first entry): 99, 100, 418

BPBLM (Bulleted list within BP, second entry): 99, 419

BPBLE (Bulleted list within BP, last entry): 99, 100, 419

BPBPB (Bulleted paragraph within BP, first entry): 442, 443, 444, 457

BPBPM (Bulleted paragraph within BP, second entry): 442, 443, 444, 457

BPBPE (Bulleted paragraph within BP, last entry): 442, 443, 444, 458

BPBPTX (Second paragraph within BPBP): 446, 452

NPB (Numbered paragraph, first entry): 14, 24, 37, 49, 52, 65, 68 (2 paragraphs), 91, 101, 108,

151, etc.

NPM (Numbered paragraph, second entry): 14, 24, 38, 50, 52, 68, 91, 101, 108, 151, etc.

NPE (Numbered paragraph, last entry): 15, 25, 38, 50, 52, 65, 70-1, 92, 101, 110, 151, etc.

NPBLB (Bulleted list within NP, first entry): 248, 330, 331, 425, 426

NPBLM (Bulleted list within NP, second entry): 248, 330, 331

NPBLE (Bulleted list within NP, last entry): 248, 330, 331, 426

NPUL (Unnumbered list within NP, only entry): 331 (note that these are preceded by

NPLHs; i.e., "Radio Option (U1C)" and "Wheels (V2C)" are NPLHs and the text

then goes on a separate line as UL); 547-549 ("Your ideas:")

NPUS (Underscore within numbered paragraph): 547-549

NPULB (Unnumbered list within NP, first entry): 330, 331

NPULM (Unnumbered list within NP, second entry): 330, 331

NPULE (Unnumbered list within NP, last entry): 330, 331

NPTX (Second paragraph within NP): 68, 69, 70, 248, 251, 253, 254, 288, 292, 334,

337, 338, 426, 569

NPEXT (Extract within NP): 303 (only occurrence)

NPSB (Spacebreak within NP): 253 (only occurrence)

NPSB1 (First paragraph of text after NPSB): 253 (only occurrence)

NPLD (Letter date within NP): 332 (only occurrence)

NPLS (Letter salutation within NP): 332 (only occurrence)

NPL1 (First paragraph of letter within NP): 332 (only occurrence)

NPLTX (Letter text within NP): 332 (only occurrence)

NPLSIG (Letter signature within NP): 332 (only occurrence)

UPB: 420, 421 (follow a B head); 441 (follows an A head); 479

UPM: 479

UPE: 420, 421, 441, 479

NUSB (number followed by underscore, first entry): 11, 12, 13, 21, 43

NUSM (number followed by underscore, first entry): 11, 12, 13, 21, 44

NUSE (number followed by underscore, first entry): 11, 12, 13, 21, 44

Boxed Copy (BX)

Notes:

1. The authors have called these sidebars, but I have used BX for all of them, especially as many are quite long and it would be impossible to run them as sidebars in a book. It seems to me that there are way too many boxes, so occasionally, to simplify the design a bit and where it seemed appropriate, I changed a box into running text (pp. 86-88, 264-5, 282-4, 296-8, 340-9, 386-90).

2. Some of the box lists have bold lead-ins.

BXH (Box head): 15, 23, 47, 50-1, 73, 77, 93, 96, 131, etc.

BX1 (First paragraph of box text): ~~Same~~ 15, 23, 47, 51, 73, 77, etc.

BXTX: ~~All boxes~~ 51, 74, 77, 89, 93, 185, 423

BXA: 23, ~~87,~~ 93, 94, 421

BXA1 (First paragraph after a BXA): 93, 95, 421

BXB: 74, 95, 421, 422

BXB1 (First paragraph after a BXB): 421, 422

BXQH (Box question head): 178

BXQ1 (First paragraph after a BXQH): 178, 179

BXALB (Box address list, first entry): 95-6

BXALM (Box address list, second entry): 95-6

BXALBE (Box address list, last entry): 95-6

BXBLB (Box bulleted list, first entry): 404, 523, 530

BXCLB (Box checklist, first entry): 198 (only occurrence)

BXCLM (Box checklist, second entry): 198 (only occurrence)

BXCLBE (Box checklist, last entry): 198 (only occurrence)

BXNLB (Box numbered list, first entry): 15, 375

BXNLM (Box numbered list, second entry): 15, 375

BXNLE (Box numbered list, last entry): 15, 375

BXUL (Box unnumbered list, only entry): 489 (only occurrence)

BXULB (Box unnumbered list, first entry): 23 (only occurrence)

BXULM (Box unnumbered list, second entry): 23 (only occurrence)

BLULE (Box unnumbered list, last entry): 24 (only occurrence)

BXBPB (Box bulleted paragraph, first entry): 47, 77, 96

BXBPM (Box bulleted paragraph, second entry): 48, 77, 96

BXBPE (Box bulleted paragraph, last entry): 48, 77, 97

BXNPB (Box numbered paragraph, first entry): 185 (only occurrence)

BXNPM (Box numbered paragraph, second entry): 185 (only occurrence)

BXNPE (Box numbered paragraph, last entry): 185 (only occurrence)

BXUPB (Box unnumbered paragraph, first entry): 88 (changed from BXRUNA); 393

BXUPM (Box unnumbered paragraph, second entry): 88 (changed from BXRUNA); 393

BLUPE (Box unnumbered paragraph last entry): 88 (changed from BXRUNA); 394

BX2CL (Box two-column list): 253, 367; 535 (with checkoff lines)

BXTCH (Box table column head): 132, 170, 213

BXTB (Box table body): 132, 170, 213-14

~~BXQU (Box question): 86~~

~~BXAN (Box answer): 86~~

~~BXRUNA (Box run-in head A): 88, 185~~

BXDB (Box dialogue, first entry): 74 (only occurrence)

BXDM (Box dialogue, second entry): 74 (only occurrence)

BXDE (Box dialogue, last entry): 74 (only occurrence)

BXCIT (Box citation): 214, 404

BXSB (Box spacebreak): 93 (only occurrence)

BXSB1 (First paragraph of text after box spacebreak): 93 (only occurrence)

BX2TX (Box 2 text; this is noted in the ms. as a "pull quote"): 84 (only occurrence)

Other Text Elements

Note that the US elements are of different lengths and will have to be spec'd individually.

TX (Text): Throughout

TD ("To do" text): 76 (only occurrence)

US (Underscore within text, not within a Worksheet; they are of different lengths and often take

up several lines): 10, 17, 19, 20, 80, 386

NUSB (Underscore within text preceded by number on same line, first entry): 11, 12, 13, 21, 43

(run number in), 194

NUSM (Underscore within text preceded by number on same line, second entry): 11, 12, 13, 21,

44 (run number in), 194

NUSE (Underscore within text preceded by number on same line, last entry): 11, 12, 13, 21, 44

run number in), 194

EQ (Equation): 180, 273

FN (Footnote): 271 (only occurrence)

~~LD (Letter date): 332~~ (now turned into NPLD, etc.; see above)

~~LS (Letter salutation): 332~~

~~L1 (First paragraph of letter): 332~~

~~LTX (Letter text): 332~~

~~LSIG (Letter signature): 333~~

"Certificate": 79 (only occurrence)

Charts

Chart: 173, 236 (but more TK)

CH (Chart head): 173 (2 in same table); 236

CSH (Chart subhead; initial cap only): 236 (only occurrence, at least so far)

CT1 (Chart text, first paragraph): 173, 236

CTX (Chart text): 236 (only occurrence, at least so far)

CSN (Chart source note): 173 (only occurrence, at least so far)

Worksheets (WS)

Notes:

1. These are basically all different and will have to be designed differently. What they all have in common is blanks that the reader has to fill in. I've marked what I could in the way of heads and so forth, but there are other elements that I'm not sure how to mark, so I have just indicated the whole thing in the ms. as WS.

2. Some of these are called "Worksheets" in the text, some "Cheat Sheets," some "Plans." I have changed them all to "Worksheets" as I think they are all really the same thing.

3. Some of the tables have graphic elements in them, though I'm not sure exactly what they're supposed to mean (pp. 220, 222, 228, 230, 233).

4. I have now indicated in this design memo ALL the pages that worksheets are found on and ALL the elements with each one (at least the ones that I could figure out a code for), to avoid confusion, as some of them are not obviously worksheets from the way they are typed.

5. According to the authors' note at the top of p. 370, the worksheet on pp. 370-3 should be in the appendix. Also, see the statement on p. 1f: "At the very end of this book is a one-stop shop where all of the relevant worksheets are copied." I don't see these at the end of the book in the manuscript, and I don't know if they are to appear in the text where indicated and ALSO at the end of the book, or what.

Worksheets (complete list): 7-9 (no WSH), 22, 62-3, 63-4, 72-3, 81-2, 103, 105-7, 118-2,

126-31, 147-9, 166-7 (no WSH), 167-8, 179-80 (no WSH), 181-2 (no WSH), 183-4, 199-200

(no WSH), 210 (no WSH), 215-17, 220, 222, 224-8 (I can't figure this one out), 229-30,

232, 256-8, 259-61, 342-4, 344-8 (these last two are NOT boxed, as indicated in the ms.),

362-3 (no WSH), 370-3 (no WSH; but maybe there should be one), 386-7 (no WSH), 396

7, 401-2 (no WSH), 408-9 (no WSH), 429-40, 468 (no WSH), 471-4, 480-5, 490-5, 502-7,

510-15, 526-9, 533-5 (no WSH), 546 (no WSH), 555-7 (no WSH)

WSH (Worksheet head; should set like TH as some are tables, which are coded as such, and

some are fill-in-the-blank forms, but they are all called Worksheets) (some were listed as TH

in the preliminary design memo; each now begins with the word "Worksheet:"): 22, 62,

63, 72 (added), 81, 103, 105, 118, 126, 147, 167, ~~168,~~ 171, 183, 215, 220 (added), 215, 220

(added), 222, 224, 229, 232, 256, 259, 342, 344 (move text above head), 429, 471, 480, 490.

502, 510, 526

WSSH (Worksheet subhead; changed from TSH): 62, 63 (note that "Worksheet: Bad

Debts" is the TH and the rest is the TSH)

WS1 (First paragraph of text following a WSH): 105, 119, 147, 168, 183, 232-3, 471, 490, 502,

510, 526

WSAA (First-level worksheet subhead immediately following a WSH): 126 (only occurrence)

WSA (First-level worksheet subhead): 119; 345, 346 (not run in as typed)

WSA1 (First paragraph of text following a WSA): 345, 346

WSBB (Second-level worksheet subhead immediately following a WSAA): 126 (only

occurrence)

WSB (Second-level worksheet subhead): 119-21, 127, 128, 130, 131, 408, 409

WSB1 (First paragraph of text following a WSB): 126, 127, 128, 130, 131, 215

WSC (Third-level worksheet subhead): 127

WSC1 (First paragraph of text following a WSC): 127

WSTX: ~~All worksheets~~ 127, 128, 220, 222, 228, 233, 224, 396, 402, 471, 480-4, 491-4, 503-6,

510-14

WSBLB (Worksheet bulleted list, first entry): 128, 224, 345

WSBLM (Worksheet bulleted list, second entry): 128, 224, 345

WSBLE (Worksheet bulleted list, last entry): 128, 224, 345

WSBLBLB (Bulleted list within WSBL, first entry): 345 (only occurrence)

WSBLBLM (Bulleted list within WSBL, second entry): 345 (only occurrence)

WSBLBLE (Bulleted list within WSBL, last entry): 345 (only occurrence)

WSCLB (Worksheet checklist, first entry): 167 (only occurrence)

WSCLM (Worksheet checklist, second entry): 167 (only occurrence)

WSCLE (Worksheet checklist, last entry): 168 (only occurrence)

WSNLB (Worksheet numbered list, first entry): 396 (only occurrence)

WSNLM (Worksheet numbered list, second entry): 396 (only occurrence)

WSNLE (Worksheet numbered list, last entry): 396 (only occurrence)

WSUL (Worksheet unnumbered list, only entry): 130 (only occurrence)

WSULB (Worksheet unnumbered list, first entry): 105, 127, 128, 480, 490, 502, 510

WSULM (Worksheet unnumbered list, second entry): 105, 127, 128, 480, 490, 502, 510 WSULE (Worksheet unnumbered list, last entry): 105, 127, 128, 480, 490, 502, 510

WSNPB (Worksheet numbered paragraph, first entry; NOTE: these are preceded by WSB,

which I have moved up from the vertical head indicated in the text): 119. 120 (these have

blanks to fill in)

WSNPB (Worksheet numbered paragraph, first entry): 119. 120 (these have blanks to fill

in)

WSNPB (Worksheet numbered paragraph, first entry): 119. 120 (these have blanks to fill

in)

WSQ (Worksheet question; on separate line, followed by WSTX): 480-4, 491-4, 503-7,

510-15

WSQB (Worksheet question, first entry; followed by underscore): 105 (only occurrence)

WSQB (Worksheet question, first entry; followed by underscore): 107 (only occurrence)

WSUS (Worksheet underscore; on separate line): 480-4, 491-5, 503-8, 511-15

WSAN (Worksheet answer; enclosed in brackets): 397, 407, 409

WSEQ (Worksheet equation): 128, 131

Tables

Notes:

1. Like the worksheets, these come in many different formats and will have to be designed individually. Some are regular tables, while others are fill-in charts for the reader. The latter should perhaps retain the boxes, as shown in the manuscript, as I think these are meant to make filling in the blanks easier. Otherwise perhaps underscores of appropriate width could be used where the answers are to be filled in.

2. I started to call out the table bodies by number of columns, but then I noticed that tables with the same number of columns often had very different spatial divisions, so I have just called them out as TB, as they will have to be spec'ed individually.

3. Some of the tables have TH, some don't. Note that in each table called a "Bit-by-Bit Budget," that phrase should be a TH, not a TCH as typed. These appear on pp. 26, 52, 112, 152, 206, 268, 358, 415, and 550.

4. Some of the tables are called "Worksheets," but if they are in table format I have coded them as tables (pp. 72, etc.).

~~5. Some of the tables have graphic elements in them (pp. 220, 222, 228, 233).~~ (See Worksheets, above.)

6. Two tables are TK (pp. 273, 306)

7. I think the shading in the tables on pp. 129, 256-8, and 429-40 is unnecessary. Also, I have turned the vertical heads in the table on pp. 429-440 into normal horizontal ones.

TH (Table head; c/lc): ~~22,~~ 26, 38, 40, 52, ~~62, 63, 72 (added), 81, 103,~~ 112, ~~118, 126,~~ 152, etc.

~~TSH (Table subhead):~~ ~~62, 63 (note that here "Worksheet: Bad Debts" is the TH and the~~

~~rest is the TSH)~~ (changed to WSH)

TSTH (Table straddle head): ~~251, 254, 255~~ (changed to NPTSTH) 129, 429, 432, 433, 435, 436, 438

TSTSH (Table straddle subhead; initial cap only): 432, 433, 436, 438

TCRH (Table cross head): 433, 434, 435, 436

TCH (Table column head): 22, 26, 45, 52, 62, 72, 82, 103, 112, 129, 147, 152, 398, etc.

TBSH (Table body subhead): 38 ("Month"); 550 ("Income" and "Expenses")

TB (Table body): 22, 26, 30, 34, 38-40, 41-3, 45, 53-4, 62-3, 63-4, 73, 82, 103, 112, 129, 147-9,

152-3, 398, etc.

TTX (Table text): 399 (it's the first line at the top of the page)

TAN (Table answer; enclosed in brackets): 366, 399

TFN (Table footnote): 45, 63, 64, 129 (to be broken up into 4)

NPTH (Table head within NP; c/lc): 71, 251

NPTSTH (Table straddle head within NP; c/lc): 251, 254, 255

NPTCH (Table column head within NP; c/lc): 71, 249, 251, 254, 255, 569

NPTB (Table body within NP): 71, 249-50, 251-3, 254-5, 255, 569

There are also tables on pp. 162, 174, 175, 179, 181-2, 183-4, 206, 212-13, 215-17, 220, 222, 225-28, 233, 249-50, 251-3, 263-4, 268, 281, 298-9, 305, 327-8, 358, 365, 366, 415-16, etc., that have the same elements.