Retirement Income Calculator
			----------------------------

Description:
-----------

Do you know what your retirement income will be?  Most people spend
more time planning their yearly vacation then they do planning for
the retirement.  The Retirement Income Calculator will help you 
evaluate your retirement finances.  You can use it yearly to 
make sure that your retirement plan is on course.

Instructions:
-------------

1) Retirement Account Balance:  Enter the total of all the retirement accounts
   - IRAs, 401K, Pension Plan etc.

2) Monthly Contributions: Enter the total amount contributed to the retirement
   accounts every month.

3) Rate of Inflation: Select the expected average rate of inflation.

4) Rate of Return: Select the expected average rate of return on your
   retirement investments.

5) Age: Select your current age.

6) Retirement Age: Select the retirement age.

7) Calculate: After entering the above information, click on "Calculate"
   button.

The following results will be shown for the retirement age.  To view the
balance and income for other ages, use the "Age" scroll bar in the result
section.

Retirement Account Balance:  This will display the total retirement account
balance for the selected age.

Inflation Adjusted Retirement Account Balance: Over time, the inflation will
decrease the purchasing power of your dollar. The retirement account value
should be adjusted to reflect this decrease.  The amount displayed here will
show you the real value of your balance.

Monthly Income from Retirement Account: This will display the monthly income
from the retirement account.

Inflation Adjusted Monthly Income: This will show you the inflation adjusted
monthly income.  


Notes
-----

1.  Monthly Contributions: The program assumes that the monthly 
    contributions will increase every year by the rate of inflation.
    For example, if you are contributing $100 a month now and if the
    6% inflation rate is selected, it will assume that you will 
    contribute $106 next year.

2.  Social Security Income: Income from social security is not included.

3.  Retirement Income: The retirement income is solely from the
     return on  the retirement savings. The retirement savings remain
     intact throughout the retirement years and does not directly 
     directly contribute to the retirement income.


How To Register:
----------------

	By Mail:

		Send $10 to:
			
		Preferred Computer Services
		Product #278
		P.O. Box 488
		Atwood, CA 92601-0488
		(CA residence please add $0.78 for sales Tax)

	By CompuServe:

		Register on line. (GO SWREG)
		Registration Id: 6509
		CompuServe Id: 75477,761
		
Registration entitles you to bug fixes and support for six months.