$401K Planner for Windows
Version 1.0 README
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 Copyright 1994-1995, Timothy J. Turner
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TABLE OF CONTENTS
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A. INTRODUCTION
B. MINI-USER's GUIDE
C. PRICING
D. CUSTOMIZING THIS PROGRAM
E. HOW TO CONTACT THE AUTHOR
F. REVISION HISTORY/FUTURE ENHANCEMENTS
G. ATTENTION PROGRAMMERS & SOFTWARE COMPANIES
H. ATTENTION WRITERS/PUBLISHERS/GRAPHIC ARTISTS
I. ATTENTION ANYONE WANTING TO ADVERTISE ON THE INTERNET
J. DISCLAIMERS
K. COPYRIGHT/TRADEMARK NOTICES
L. ACKNOWLEDGEMENTS
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NOTE: If this file appears improperly formatted, then
be sure to select the "Word Wrap" option if using Notepad.

Also, you need VBRUN300.DLL to run this program, which is 
available at most ftp sites and online services (generally
many sites prohibit authors from including it in their ZIP
files (saves disk space)).
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A. INTRODUCTION
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401(k) plans are growing as the retirement plan of choice by 
employers and employees. $401K PLANner will help you in your 
$401K decision making process by calculating the future value 
of your current $401K account balance, as well as the future 
value of your future $401K contributions.  It is extremely 
flexible since it allows the user to control the rate of inflation, 
rate of return (interest rate), number of years until retirement, 
amount of contributions, etc.

By changing the values the user can easily see how $401K decisions 
made today will affect your retirement future.  Every employee with 
a 401(k) account should have this program.  This program can be 
customized to fit the needs of businesses, financial institutions, 
and corporations for mass distribution to all employees and 401K plan 
participants. Please inquire by e-mail for further info (tturner@awa.com). 

This application is protected by the SoftLock registration system.   
You must register your copy in order to access the full calculation 
ability of the program. Feel free to share this program with friends, 
neighbors, colleagues, and any other users.  
But you must include this document with the program when you pass copies 
along to others.  This program can be freely distributed on CD-ROMs and 
other "shareware" collections, provided I'm notified in advance.

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B. MINI-USER's GUIDE
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-Once you launch $401K PLANNER, you will see the splash screen briefly,
then the main screen will appear.  

- Help for each field is available from the Help menu.  There are also
tips on how to effectively use the program.

-Next, fill in your current 401(k) balance,
interest rate, # of years until retirement, inflation, etc.  The calculations 
will be updated automatically as you edit the values.  Also, be sure to check 
with your personnel or human resources representative about what your 
company's maximum matching percentage is. $401K PLANNER does not cap the 
matching funds since it varies by company.  It is up to you to know your 
plan's details and fill in the values accordingly (i.e. how much your 
company matches your funds and what the maximum matching percentage is).
If you are unsure, contact someone in personnel or human resources
at your company and they will help you.    

-Trying changing your values and watch the results.  You'll be amazed at 
how small changes can have a big effect on your retirement funds!

- you can view the results as a spreadsheet, a graph of your growing/
shrinking 401(k) balance, or a graph of just your retirement income.
Just click on the button for the method you desire, and it will appear
automagically on the main screen.

A NOTE ON WHAT THIS PROGRAM SHOWS:
- Prior to registering $401K Planner the default values show that your
401(k) balance will go into the negative during retirement.  What does 
that mean?  Well, before you retire, you are working, contributing 
to your 401(k) plan, and living off of your salary.  When you retire, you 
will be living off of your 401(k) balance (and perhaps other sources of 
benefits like social security and any other investments you have), so each
year you will begin withdrawing funds from your 401(k) to live on.  When your
401(k) balance hits zero, then you've run out of money.  The negative values
on the spreadsheet show how badly you've run out of money.

- Think about this scary fact... The only way for you to guarantee that you
will not run out of retirement money before you die is to live solely off
the interest in your account.  Once you start "dipping into principal", then
you run the risk of still being alive and without any money. If you can save 
enough so that you can just live off the interest in your account, then you 
can live as long as you want (yeah!) and not have to worry about a declining 
standard of living (assuming your balance is invested somewhere that can 
make an annual return (interest) that exceed inflation).

- Note the entries for your "Raise" and for "Estimated Inflation".  If these
two fields are equal, then neither one really affects the real growth of
your 401(k) funds... they essentially cancel each other out. This is why
most people call their raise a "cost of living" increase.  

OH NO! I'M GOING TO RUN OUT OF MONEY IN RETIREMENT:
- Don't panic.  Hopefully you still have time to do something about this.
Here's some things that will help increase your balance
(in no way am I advocating any of these or suggesting any specific course
of investment; I'm just specifically stating the obvious... what you can do
to increase your retirement funds and help your funds last)
- begin saving earlier
- increase your contributions to your 401(k) plan
- retire at a later age (this has a dramatic double effect... you continue
contributing to your 401(k) plan, and you aren't living off of your 401(k)
funds.  You'll still be on salary).
- invest in the funds that give you a higher rate of return
(of course, there may be more risk involved in these investments).

REGISTERING WITH SOFTLOCK SERVICES: Click on the REGISTER menu. This will 
bring up the Registration Form window.  Detailed instructions are
given on that screen. Write down the Product Number and the SoftLock ID shown 
in the registration screen.  Then call 1-800-SoftLock 
and give them the information requested including your credit card number 
(VISA and Mastercard accepted).  You will be given a password which you will 
then enter into the password field.  This will unlock the full program for you 
to run on your computer.   IMPORTANT: WRITE DOWN YOUR PASSWORD AS SOON AS YOU 
GET IT FROM SOFTLOCK AND KEEP IT IN A SAFE PLACE.  In case you lose data on 
your computer, you may need the password again to unlock your backup copy.
- you can also register via the SoftLock Web site at:
	 http:\\www.awa.com\softlock\passwords\

- Your data will be saved automagically.  Hopefully we'll have true File Save 
and Open in the next version. This version also supports printing!

-To quit the application, click on the EXIT button.  Your password will be 
saved at this time so you don't have to re-enter it each time.

NOTE: Do not run $401K PLANner from a floppy disk.  You must run it from a 
hard drive. Otherwise, you won't be able to purchase a password that unlocks 
all of the program's functionality.

BUG REPORTS and SUGGESTIONS: If you have a bug or problem to report, 
please send me the version number of $401K Planner that you are using, 
and details about your PC (i.e. brand, speed, processor, amount of RAM, 
system software, etc.).  And send any other relevant info or feedback to 
me at tturner@awa.com.

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C. PRICING
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When I release this version onto the 'nets, I intend to sell it for 
$14.95 per copy. To find out the current price just call 1-800-SoftLock 
and enter the product number: 30034. (I don't intend to change the price 
anytime soon, but these files linger around the 'nets for years, so if 
this is a really old version, the price may have changed).

For a mere $14.95 you will get:
- the most amazing spectacular 401(k) retirement plan calculator around
- FREE lifetime upgrades (your password will be good for a long time)
- FREE e-mail technical support
- added to my e-mail list and will be notified when new versions are available
(if you want to get on the list, though, you must e-mail me w/ your name, 
address, and e-mail address requesting to get on the list.... SoftLock Services 
does not at this time collect e-mail addresses, only snail mail.  So if you 
don't e-mail me, you won't be notified of new versions.)

For volume purchase discounts or site licenses, contact me by e-mail with 
the following info:
		Your Name, Company Name, address, etc.
		Number of Employees at the site
		A Proposal if you have one
We can try to work out a deal for you to purchase SoftLock vouchers in bulk 
and/or I can create a special customized version to meet your needs.  SoftLock 
vouchers are basically like gift certificates...each one is good for one 
SoftLock password.

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C. CUSTOMIZING THIS PROGRAM
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This program can be customized with your company/business name, logo, and 
other contact information.  Once customized, you can then distribute the 
program to your employees, customers, and potential customers as a promotional 
item.  You may buy SoftLock vouchers for your customized version which would 
allow those recipients to call in and get a valid SoftLock password without 
paying for it.

I'm willing to customize this program for free in exchange for volume purchases.
Bottomline: send me an e-mail with what you're interested in, and I'll get 
back to you as soon as I can.

If you are interested in generating revenue for yourself by selling this 
program, then contact me.  Here's one example:  I recompile the source with 
a unique SoftLock Product # just for you.  Now whoever calls in to register 
copies you've given away, will purchase your "product".  In which case, I'll 
know what revenues you've generated and be able to give you your share.  
Proposals welcome.  Again, send me an e-mail message, and I'll get back to 
you as soon as I can.

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E. HOW TO CONTACT THE AUTHOR
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Any questions, comments, suggestions, bug reports, etc. can be sent to: 
	Internet: tturner@awa.com

Please send me your ideas.  I can't improve this product without feedback 
from you... the customer.  And please send me your e-mail address if you 
want to be notified of new versions when I upload them online.

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F. REVISION HISTORY/FUTURE ENHANCEMENTS
===========================================================
Version 1.0 (August 1995): This is the first Windows version of $401K Planner.  
There has been a Mac version available since 1994.  


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G. ATTENTION PROGRAMMERS & SOFTWARE COMPANIES
===========================================================
SoftLock is for you if you want a powerful sales and distribution system for 
your software.  With SoftLock, you can distribute your complete program as 
SoftLocked shareware or as a demo copy, and be assured that users will register 
their program with you.  

In order to use the "advanced features of your program (whatever you define 
those to be), the user must obtain a unique password to "unlock" your program's 
advanced features on that user's computer (and no one else's computer).  With 
SoftLock, programs and encrypted data need not be copy-protected.  They can be 
distributed over the internet, BBS, Online services, etc, but you still get paid!  
The beauty of SoftLock is that each computer requires a different password to 
unlock your program.  Thus, if you copy an unlocked version of your program to 
another computer, it will revert to "demo" mode.

With SoftLock you can program a business operation as easily as you program 
your computer.  By incorporating the SoftLock tools into your program, you 
enable SoftLock to sell your customers the unique Password they need to unlock 
your product.  SoftLock Services' fully automated order fulfillment/password 
generation system allows you to receive the user's payment 24 hrs./day, 7 days/week 
via the 1-800 phone number, internet e-mail, FAX, and secure connections to our web 
site. Thus, you get a WORLD-WIDE sales and distribution system. SoftLock does all 
of the credit card processing for you, which frees you to do what you do best... 
create software.

If you're interested in preventing piracy, increasing your revenues, and 
reducing your distribution costs by using the SoftLock system, please contact 
me by e-mail for more info (tturner@awa.com).

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H. ATTENTION WRITERS/PUBLISHERS/GRAPHIC ARTISTS
===========================================================
Read the previous section on SoftLocking software because all of that can 
apply to you as well.  You can earn money by electronically publishing your 
books, newsletters, or whatever "information" you have to sell, using the 
SoftLock toolkits.  Basically, you can use SoftLock to distribute your info 
electronically via online services etc.  Only those users who pay for your 
product can actually view the full text of your product.

If interested in making money by publishing your books, poems, newsletters, 
recipes, info or whatever using the SoftLock system,  please contact me by 
e-mail for more info (tturner@awa.com).

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I. ATTENTION ANYONE WANTING TO ADVERTISE ON THE INTERNET
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Do you want to advertise your goods or services on the internet?
Downtown Anywhere is currently one of the premiere Web sites on the 
glorious WWW.  At the time I wrote this, Downtown Anywhere was receiving 
over 1900 hits per hour round the clock.  DA has been featured in PC WEEK 
and PC TODAY.  It's been on Ventana Media's short list of best internet sites.  
So if you want a lot of exposure at reasonable prices, contact me and I'll 
fill you in...

Downtown Anywhere is a virtual city on the Web with a thriving economy and 
social culture.  If you'd like to visit or to do business on the internet 
through Downtown Anywhere, please contact me via e-mail, and I'll fill 
you in.  

Downtown Anywhere's WWW internet address is:
http://www.awa.com/

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J. DISCLAIMERS
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By using this program or trying it out, you agree to the following:
1. GRANT OF LICENSE:  This license agreement permits you to keep and 
store this program for your use.  It also allows you to pass along 
copies to friends and colleagues, etc. who may be interested in 
using the software. You may not attempt to remove the SoftLock or 
circumvent it by any means other than actual registration with SoftLock 
Services.

2. COPYRIGHT.  This SOFTWARE is owned by Timothy J. Turner and is protected 
under U.S. copyright laws.   By remitting your registration fee to SoftLock 
Services, you are granted a license to use this program on one computer only.  
You may not run this program over a network or use other means to allow multiple 
users simultaneous access. You may copy the program to "share" with 3rd parties 
as long as you distribute this document along with the program.  You may not 
attempt to remove the SoftLock or circumvent it by any means other than actual 
registration with SoftLock Services.

3. WARRANTIES:  
LIMITED WARRANTY: This SOFTWARE is not warranted to perform to any specification 
or any other express warranty.  This software is meant only as a guide and is 
not meant to be taken as advice as to any investment approach or method.  It 
should be used for estimation purposes only.  Caculations are not warranted 
to be exact.  Any implied warranties on the software are limited to 90 days 
from the time you remit your registration fee.  In no case will an unregistered 
copy be warranted.  Some states do not allow limitations on duration of an 
implied warranty, so the above limitation may not apply to you.

CUSTOMER REMEDIES: The owner's entire liability and your exclusive remedy 
shall be, at my option, return of the registration fee or replacement of 
the software.  The LIMITED WARRANTY is void if failure of the software or 
hardware has resulted from accident, abuse, neglect or misapplication.

NO OTHER WARRANTIES: The owner disclaims all other warranties, either express 
or implied, including but not limited to implied warranties of merchantibility 
and fitness for a particular purpose, with respect to the software and the 
accompanying written materials.  This limited warranty gives you specific 
legal rights.  You may have others, which vary from state to state.

NO LIABILITY FOR  CONSEQUENTIAL DAMAGES:  In no event shall the owner of the 
software's copyright be liable for any damages whatsoever (including, without 
limitation, damages for loss of business profits, business interruption, loss 
of business information, investment losses, inaccuracy in calculating/performing, 
or other pecuniary loss) arising out of the use of or inability to use this software, 
even if the owner has been advised of such damages.  Because some states do not 
allow the exclusion or limitation of liability for consequential or incidental 
damages, the above limitation may not apply to you.  In any case, by using the 
software you agree to limit all damages to no more than the price you paid for 
the SOFTWARE.

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K. COPYRIGHT/TRADEMARK NOTICES
===========================================================
$401K PLANner is a Trademark of Timothy J. Turner.
$401K PLANner and this file is 1994-1995 Timothy J. Turner.
SoftLock is a Trademark of SoftLock Services, Inc.  All Rights Reserved.
Downtown Anywhere is a Trademark of Anywhere Associates.
All other trademarks are trademarks of their respective owners.

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L. ACKNOWLEDGEMENTS
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To my good friend Dave Monty, who at my urging, learned Visual Basic and created 
the Windows version of $401K Planner.  His insight into 401(k) planning helped 
create a windows version that's arguably more user friendly than the original 
Mac version. 

To my family...Thanks for your unending patience as Daddy worked diligently on 
the 'puter.  During the course of this and other projects, my son frequently 
told me "Daddy don't get on the 'puter." And in all of my love for him, I obliged 
his requests (at least until he went to bed).  As for my sweet baby daughter, she 
frequently crawled over to try to chew on my feet or swat at my legs as I worked 
on the 'puter.  That was her way of saying "Daddy get off the 'puter".  And my 
wife was far more straight-forward in the matter and frequently told me to 
"Get off the 'puter" or that she was going to "break that darn 'puter".  I 
haven't yet broken the news to her that the money I make from this program 
will go towards a much needed family vacation AND a newer better faster 'puter 
for Daddy (so we can have two 'puters ) 8-)

To Jon Schull...Thanks for SoftLock and Downtown Anywhere -- hopefully my means 
to the glorious goal of self-employment (or the next best thing - a job as a 
virtual employee working for a virtual corporation - an "Anywhere Associate"?).

To Ed Hazen... for constantly answering my questions about VB and SoftLock,
and for doing a decent job beta testing the Windows version.
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THE END

$401K PLANner for Windows
 Version 1.0 README
--------------------------------
 Copyright 1994-95, Timothy J. Turner

