Category : Databases and related files
Archive   : RETIRE.ZIP
Filename : RETIRE.DOC

RETIRE.DOC

RETIREMENT ANALYSIS, is a series of three programs designed to assist
you in achieving your financial goals. The program requires an I.B.M.
PC/XT/AT or compatible, 80 column monitor and for a hard copy a
printer configured as LPT1.

Upon entering RETIRE at the DOS prompt, you are presented with a menu
of three programs. Enter the number of the program that you want to
run and press ENTER.

The ANNUITY program will tell you how much money you would have to
save each month until you retire in order to receive a stated amount
of money each month for either the rest of your life or for a certain
specified period of time.

You will be prompted to enter the amount of money that you would like
to receive, whether it is to be for a specific length of time or
indefinitely, what interest rate you expect to earn on the money, and
for how many years prior to receiving the first installment will you
contribute.

After entering these figures the program will calculate how much money
you will need to save each month in order to receive the amount that
you specified. Since you do not know what the interest rates will be
in the future, you will have to make an educated guess at what you
think the average will be.

SAVINGS ANALYSIS is used for comparing interest rates offered by
different financial plans. The program can be used for comparing CD's,
savings accounts etc.

To use the program, first enter the number of plans that you want to
compare. You will be prompted to enter the name of each of the plans.
Keep the names as short as possible. Use just enough of the plan's
name to distinguish it from the others. Then enter the interest rate
offered by each of the plans and whether it is compounded daily,
quarterly or monthly. At the next prompt, enter the amount that you
intend to invest, and the number of years that you plan on leaving it.
The program will then give you the option to send the results to your
printer or screen. The display will list the plan name, the interest
rate, the annualized yeild, your total return on the investment for
the number of years selected and your net profit on the investment.

The final program will give you a discounted cash flow or net-present
value analysis. It is primarily useful for variable return financial
opportunities. The program assumes that the original investment is
returned as part of the annual receipts; and provides for additional
investments.

You will first be prompted to enter the amount of your investment;
followed by the number of years of the investment. Finally enter the
expected rate of return (annual percentage) that you expect to gain
from the investment. For each year of the investment enter the
expected cash flow. If you invest more into the investment during this
period, enter it as a negative amount. After you enter the amount for
the last year, the program will ask you wether you want the display
sent to the printer or to the screen. After answering this prompt, the
program will display a table consisting of the cash flow in and out of
the investment, the net present value for each year of the investment
and tell you if this investment would be profitable or not.

SHAREWARE/LICENSE AGREEMENT
SHAREWARE
It is extremely expensive to bring a software product to the market
in today's environment. The user supported software concept known as
SHAREWARE provides a method whereby individual authors and small
companies can market their products without incurring staggering
advertising and promotional costs.
The user benefits in two ways. First, the user may test the
product before purchasing and second, the user receives a quality
product at low cost.
This concept can only work with your support. If you find that you
can use this product (or any other user supported software package),
then we would appreciate a contribution to help defray the cost of
this product and further development of new products.
We suggest a contribution of $5.00 per machine, but any amount
will be greatly appreciated.
Please note, that only registered users will be notified of updates.

Please send contributions to:

R. KUPFER
c/o INTREX CORPORATION
P.O. BOX 1056
STURBRIDGE, MA. 01566


A registration form has been provided at the end of this document
for your convenience.


SOFTWARE LICENSE AGREEMENT

YOU MAY:

- Use the program on any microcomputer for which this package was
designed to operate.

- Copy the program and documentation into any machine-readable or
printed form for backup purposes.

- Freely copy and share unmodified copies of the product. You must
reproduce and include the copyright notice on any copies.

- You must include this license agreement and registration form with any
copies that you distribute to others.

- Write us with any problems that you've encountered with this
program.

- Write us with any suggestions as to improvements that you would
like to see in updates.


YOU MAY NOT:

- Sell the product for a fee and/or distribute the product along with
other products without express written permission.

- Grant sublicense, leases, or other rights in the software to others.

- Make verbal or media translations of the user's manual.

- Modify or remove the Copyright notice from the program, diskette or
it's manual.

- Modify the program, diskette or manual and/or merge it into another
program for any machine.


LIMITED WARRANTY

THIS PROGRAM IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER
EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED
WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE PROGRAM IS
WITH YOU. SHOULD THE PROGRAM PROVE DEFECTIVE, YOU ASSUME THE ENTIRE
COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. SOME STATES DO

NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES SO THE ABOVE EXCLUSION
MAY NOT APPLY TO YOU. THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS
AND YOU MAY ALSO HAVE OTHER RIGHTS WHICH MAY VARY FROM STATE TO STATE.

WE ARE NOT LIABLE TO YOU FOR ANY DAMAGES TO YOUR COMPUTER OR
PERIPHERAL EQUIPMENT ARISING OUT OF YOUR ATTEMPT TO COPY OR DUPLICATE
THE PROGRAM DISK, EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVE HAVE
BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIM BY
ANY OTHER PARTY.
YOU MAY NOT USE, COPY, MODIFY, OR TRANSFER THE PROGRAM, DOCUMENTATION,
OR ANY COPY, MODIFICATION OR MERGED PORTION OF THE PROGRAM OR
DOCUMENTATION IN WHOLE OR IN PART, EXCEPT AS EXPRESSLY PROVIDED FOR IN
THIS LICENSE.
We do warrant, as the only warranty provided to you, that the media on
which the program is furnished is free of defects in material and
workmanship under normal use for ninety (90) days from the date of
delivery to you as evidenced by your registering your copy with us.

LIMITATIONS OF REMEDIES:
Our entire liability and your exclusive remedy shall be as follows:

We will replace defective media which is returned to the address
indicated with a copy of your registration.

GENERAL:
You may not sublicense, rent, or lease this program. Any attempt to
sublicense, rent, or lease or except as expressly provided for in this
agreement, to transfer any of the rights, duties or obligations
hereunder is void.

This agreement will be governed by the laws of the Commonwealth of
Massachusetts.








REGISTRATION

Name: ---------------------------------------------------------------

Company: ------------------------------------------------------------

Address: ------------------------------------------------------------

City: --------------------------- State: ---- Zip: ------------

Program Title: ------------------------------------------------------

Version Number: ---------- Telephone Number: --------------

Comments:










Contribution: $ ----------- Number of Machines: ------

(Suggested payment is $5.00 per machine; but any amount is appreciated)

Mail to:

INTREX CORPORATION
P.O. BOX 1056
STURBRIDGE, MASSACHUSETTS 01566