Category : Lotus and other Spreadsheets
Archive : COFFERS.ZIP
Filename : COFFERS.WK1
Output of file : COFFERS.WK1 contained in archive : COFFERS.ZIP
! ! " / ÿ q H
d G AGE + + G BIRTHDAY + + G CHANGE G CHOOSE # # G CONTRIB + + G DATA G EXPLAIN Ô G FORECASTS G GROWTH + + G HIGH3 } G INPUT 1 Z G INTEREST + + G MENU
G OUTPUT c c G PROJECT G RATES ) + G RETIREMENTYR G SALARY + + G SERVICE + + G TOTCONT c G TOTSERV , , G VARIABLES G YEAR 2 2 G YOURCONT c G \0 G \C G \M % % G \P
!
! G \R G \V ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ 1 Z c c *
+ 0 2 Z ÿÿ ÿÿ ÿÿ ÿÿ # ÿÿ ÿÿ g ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ i ( ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ f ÿÿ ÿÿ ÿÿ ÿÿ $ % ò & ò ' ( (
L B ) '* ÿÿ ÿÿ ÿÿ ÿÿ - ·ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ ÿÿ qq ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \#
ÿ 'SALARY ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# " ÿ ' Input without $ or commas ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ 'C O F F E R S: ÿ \# ÿ \# ÿ \# ÿ 'YEAR OF BIRTH ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ ' Input four digits ÿ \# ÿ \# ÿ \# % ÿ ' Comprehensive, Foolproof ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ' ÿ ' Federal Employees Retirement ÿ \# ÿ \# ÿ \# ÿ 'CONTRIBUTIONS ÿ \# ÿ \# ÿ \# ÿ 'System Planner ÿ \# ÿ \# ÿ \# 1 ÿ
' Input 0-10% contribution to Thrift Fund ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \#
ÿ "By ÿ 'Richard J. Thaxter ÿ \# ÿ \# ÿ \#
ÿ 'GROWTH ÿ \# ÿ
\# ÿ
\# ÿ
\# ÿ
\# ÿ
\# : ÿ
' The annual percentage growth (raises, inflation) ÿ
\# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# % ÿ 'for future salary (Default=4%) ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ
\# ÿ
\# ÿ
\# ÿ
\# ÿ
\# ÿ
'INTEREST ÿ
\# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ( ÿ ' % interest rate on Thrift Fund ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# % ÿ ' investments (default=6.1%) ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \#
ÿ 'AGE ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ) ÿ
' Age at which you wish to retire ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# ÿ \# & ÿ "(You may try more than one age) ÿ \# ÿ '\0 j ÿ '{let AGE,55}{let GROWTH,.05}{let INTEREST,.061}{home}{wait @now+@time(0,0,5)}{goto}j1~/xgVARIABLES~ ÿ \ ÿ 'Forecasts C ÿ 'Change default economic forecasts (interest rate, inflation) ÿ 'Variables 3 ÿ '/wgrm/xnEnter current annual salary ~SALARY~ U ÿ '/xnEnter salary growth rate ~GROWTH~/xiGrowth>1~/xnMUST BE IN PERCENT ~GROWTH~ ( ÿ '/xnEnter year of birth ~BIRTHDAY~ V ÿ '/xnEnter interest rate ~INTEREST~/xiINTEREST>1~/xnMUST BE IN PERCENT ~INTEREST~ 5 ÿ '/xnEnter total years federal service ~SERVICE~ , ÿ '/xnEnter desired retirement age ~AGE~ r ÿ '/xnEnter contributions (% salary invested) ~CONTRIB~/xiCONTRIB>.1~/xnMUST BE LESS THAN 10 PERCENT ~CONTRIB~ 3 ÿ '/xi@sum(age)<55~/xnGET REAL, TRY AGAIN ~AGE~ ÿ '/xgCHANGE~ ÿ '/xgDATA~
ÿ 'Change 4 ÿ '/xlCHANGE ECONOMIC FORECASTS? y or n ~choose~ ÿ ' Data , ÿ '{calc}{query}{goto}output~{end}{down} ÿ
ÿ 'Age ÿ 'Contributions ÿ 'Economy? ÿ 'Restart ÿ 'Blurb ÿ 'Quit " ÿ '/xiCHOOSE="y"~/xgFORECASTS~ $ ÿ '/rncRETIREMENTYR~{bs}~{right} ) ÿ
'Print the projections just created ÿ 'Try another age ( ÿ 'Try a different contribution rate , ÿ 'Change projections (interest, growth) 4 ÿ 'Restart the program with new salary, birthday ! ÿ 'Print explanatory material , ÿ 'Quit the menu (and read explanations) ÿ ! '/xgDATA~ & ÿ ! '/rncHIGH3~{bs}.{up 2}~{right 4} # ÿ
! '/pprRATES~agq/pprProject~agq ÿ ! '/xgg28~ ÿ ! '/xgB29~ ÿ ! '/xgCHANGE~
ÿ ! '/xg\r~ ÿ ! '/pprEXPLAIN~agq 1 ÿ " '/rncTOTCONT~{bs}.{end}{up}{down}~{right 2} ÿ
" '/xmMENU~ ÿ " '/xmMENU~
ÿ # 'choose ÿ # 'y / ÿ # '/rncYOURCONT~{bs}.{end}{up}{down}~{calc} Q ÿ $ '/xiRetirementyr<1990~{pgdn}{pgdn}RETIREMENT YEAR MUST BE AFTER 1990/xgG28~ # ÿ % '{calc}{goto}project~/xmMENU~ ÿ ) 'VARIABLES ÿ ) 'FORECASTS ÿ
) 'Criterion range
ÿ * "SALARY ÿ * "BIRTHDAY ÿ * "CONTRIB ÿ * "SERVICE
ÿ * "AGE
ÿ * "GROWTH ÿ * "INTEREST ÿ * 'Year
ÿ
* "salary ÿ * "contrib ÿ * "uscontrib ÿ
* "total
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ÿ T æ ! T c
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þ¿ {®Gáz¤?þ¿ ;; U ÏV BÉÈ@ þ¿ ÿ¿
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þ¿ {®Gáz¤?þ¿ ;; Y 4ø"V¥åË@ þ¿ ÿ¿
ÿ Z ì ! Z @
ÿ a 'OUTPUT ÿ b 'FERS THRIFT ÿ b 'CSRS THRIFT ÿ c 'Year
ÿ c "salary ÿ c "contrib ÿ c "uscontrib ÿ c "total ÿ c 'total + interest ÿ c 'total + interest
d Ä
d æ@
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d ¡@
d ±@ K d ѳZÙ@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
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f X9´¨°²@ K f Êòp® ×@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
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ÿ g Ç
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g m9â2@£@
g m9â2@£@
g m9â2@³@ K g îío>yÎÖ@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
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h á s Ô£@
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h á s Ô³@ K h ìm·Û)Ö@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
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i yD¨ySl´@ K i pì,Ý@Õ@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
K i pì,Ý@Å@< û¿ + row lrow û¿ ÿ¿ l
ÿ j Ê
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j í¬ü- ¥@
j í¬ü- ¥@
j í¬ü- µ@ K j v %ÍTÔ@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
K j v %ÍTÄ@< û¿ + row lrow û¿ ÿ¿ l
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k 2`+»ªµ@ K k ´réTÎÓ@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
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l ìÆ®"Q¶@ K l }£ Ó@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
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m @ÜWíü¶@ K m ®»øuÒ@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
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ÿ n Î
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n 8²M·@ K n ~ÙB3NÑÑ@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
K n ~ÙB3NÑÁ@< û¿ + row lrow û¿ ÿ¿ l
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o 4èÊåb¸@ K o Ã2@3Ñ@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
K o Ã2@3Á@< û¿ + row lrow û¿ ÿ¿ l
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p þP}. ¹@ K p îAÎ@¬Ð@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
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q ÁHß¹@ K q ÃK(ÈaÐ@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
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r ·½Ç¥º@ K r ÅcòÎ@< ÿ¿ + row lrow ÿ¿ ÿ¿ l
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K t up8ÜÖ¼@< û¿ + row lrow û¿ ÿ¿ l
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'(lump sum) lBì-± A c P ÿ '(lump sum) T ÿ ðE + ©?***max contribution = 5% for those electing CSRS ;3 ÿ J ÿ ' These projections give approximate comparisons between the Civil I ÿ 'Service Retirement System and the new Federal Employee Retirement J ÿ 'System. Projections are based on the data you input for your age, M ÿ 'your current service, etc. The program is designed for those who must J ÿ 'choose between CSRS and FERS. For those only eligible for the new N ÿ '(FERS) plan, the projection for FERS pension will be slightly off. FERS H ÿ 'pensions are equal to 1% per year of service. The calculation of H ÿ ¡ 'Social Security benefits is a very rough estimate but is included L ÿ ¢ 'to show that a substantial portion of benefits under the new plan are O ÿ £ 'provided by Social Security coverage if you work long enough to qualify. M ÿ ¥ ' EXPLANATIONS OF TERMS USED ABOVE (use the arrow keys to read down) ÿ § 'CSRS PENSION I ÿ ¨ ' The % rate and annual $ amount of pension earned if you remain G ÿ © 'under CSRS. Formula is 1.5% for first 5 years service, 1.75% for F ÿ ª 'next 5 years, and 2.0% for each year over 10. The pension rate J ÿ « 'is multiplied by the "high three" average to obtain annual pension. ÿ 'FERS PENSION L ÿ ® ' The % rate and annual $ amount of pension earned if you switch to H ÿ ¯ 'FERS. Those who change plans will retain credit for old service J ÿ ° 'under the CSRS formula; service after switching is credited at 1.0% K ÿ ± 'per year (the FERS formula). Pension amount is calculated as above. ÿ ³ 'CSRS THRIFT PLAN H ÿ ´ ' The Thrift Plan is a voluntary, tax-deferred savings plan into G ÿ µ 'which you may elect to contribute a percentage of annual salary. L ÿ ¶ 'If you remain under CSRS you may contribute up to 5% --the government H ÿ · 'does not match contributions for persons under CSRS. The program H ÿ ¸ 'assumes that you would voluntarily participate in the Thrift Plan ' ÿ ¹ 'even if you remain under CSRS. ÿ » 'FERS THRIFT PLAN L ÿ ¼ ' Under FERS you may contribute up to 10% of salary into the Thrift F ÿ ½ 'Plan. The government contributes 1% to your plan regardless of M ÿ ¾ 'your participation. Your first 3% of contributions are matched by the L ÿ ¿ 'government dollar-for-dollar. The next 2% are matched at 50 cents on M ÿ À 'the dollar. Therefore, if you contribute 5%, the government also puts N ÿ Á 'in its maximum contribution of 5% The amount shown is the total value J ÿ Â '(including interest earned) in your fund at the time of retirement. " ÿ Ä 'WHAT THE PROGRAM DOESN'T DO I ÿ Å ' The earliest retirement age that the system will accept is 55. H ÿ Æ 'It does not calculate the combination of age and service at which I ÿ Ç 'you are eligible for retirement. Under FERS the 55 and 30 formula K ÿ È 'is basically retained, but the minimum age will go up gradually for H ÿ É 'persons born after 1948. Projections cannot be made beyond 2028. K ÿ Ê ' The projection for Social Security benefits is a very simplistic M ÿ Ë 'formula calculating either $8760 (the current maximum) or if after the I ÿ Ì 'year 2000, calculating 15% of high three average. This may not be M ÿ Í 'correct but is based on graphs provided by CRS on percentage of salary O ÿ Î 'replaced by SS for the year 2030. The program does not calculate whether I ÿ Ï 'you will have worked long enough under SS to qualify for benefits. M ÿ Ð ' Tax advantages of one plan versus the other are not compared. Note J ÿ Ñ 'that under FERS the combination of pension and SS benefits (some of M ÿ Ò 'which may not be taxable) may yield a lower taxable retirement income. I ÿ Ó ' Your thrift fund account may be paid in various ways, including E ÿ Ô 'lump-sum payment, rollover to an IRA, or paid as an annuity. K ÿ × 'TO RESTART THE PROGRAM FOR ANOTHER INDIVIDUAL WITH DIFFERENT YEAR OF B ÿ Ø 'BIRTH, SALARY, ETC., hold down the "Alt" key and press "R". J ÿ Ú 'TO RESTART FROM THE MENU (ALLOWING) YOU TO CHANGE AGE AT RETIREMENT G ÿ Û 'OR ECONOMIC FACTORS, ETC., hold down the "Alt" key and press "M" MENU (ALLOWING) YOU TO CHANGE AGE AT RETIREMENT
Very nice! Thank you for this wonderful archive. I wonder why I found it only now. Long live the BBS file archives!
This is so awesome! 😀 I’d be cool if you could download an entire archive of this at once, though.
But one thing that puzzles me is the “mtswslnkmcjklsdlsbdmMICROSOFT” string. There is an article about it here. It is definitely worth a read: http://www.os2museum.com/wp/mtswslnk/